23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I launched a dispute against Equifax on XX/XX/XXXX regarding the below accounts : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, NY XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. To speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

On XXXX XXXX, XXXX, Equifax indicated that they had no record me previously filing a complaint regarding the above accounts. And indicated that I would received a notice within 30 days. After reading the response, I logged into the Equifax website and download proof that indicate my previous attempts regarding the above accounts. I have attached proof that Equifax did not investigate my concern properly, and I want these account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to pay for food items at XXXX XXXX in XXXX California on XX/XX/19 for $ XXXX.They ran the check through Telecheck who declined the check do to possible fraud.I then phoned Telecheck at ( XXXX ) XXXX at was told that they declined my check because their system had no information on me and that I had not written a check to this merchant since XX/XX/2019.This made no sense to me and I then talked to a supervisor who told me the same thing. I then told the Telecheck supervisor that this checking account has been open since XX/XX/XXXX and has an average balance of {$5000.00} and that we write over 300 checks per year.She could not give me any other answer other then their systems algorithm reconized my {$42.00} check as a possible fraud. She further stated that now that I had given Telecheck   my name ( and spouse ), mailing address and telephone number this decline should not happen again, but only after seven days which their system needed to refresh.I have always known Telecheck as a negative date base for bank accounts that merchants could use to cut down on bad checks.It now appears that they decline checks without any negative report of an issue in order to have people give them their personal information.My hunch is that they then market this information.
Product: Debt collection

I have submitted at least 8 disputes this year to XXXX and XXXX regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with Pro Collect is for the same amount to report it twice the company XXXX XXXX changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and PC they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from Pro Collect and the agencies refuse to properly investigate it.
Product: Credit card

On XX/XX/XXXX someone open a fraudulent account and my name and I have been fighting to get it off ever since! They are reporting the dates wrong to the agencies, they are making it look like the account was just opened!! They are reporting it to the agencies as if the account was just open as of XX/XX/XXXX when this account was open back in XXXX to no knowledge of my own! The amount they're seeking is {$1.00}, XXXX!! These inaccuries are not allowing me to purchase a home.! Someone please help me! I never, ever made a payment because it was not mine!
Product: Checking or savings account

My husband and I recently filed a complaint against capital One for unethical business practices. The day after they froze my checking account for " fradulant activity '' when there was none at all. Now they are refusing to give me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Investigation Request Letter To Whom It May Concern I've recently receive my consumer report in attempt to improve my credit to better my livelihood and i noticed an account that i would like more explanation on i am not saying they are reporting right or wrong im saying im not 100 % sure if they are. As it states in the Fair Credit Reporting Act by law i have the rights to callenge anything i am not sure is 100 % accurate. It also states in 15USC 1681 i ( a ) if you caint provide proof this account must be deleted. Well i want this account deleted if it is not 100 % accurate. And by law you have 30 days to complete this investigation. Please investigate this account and remove if anything is incorrect or missing thank you. 

XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Please delete this account immediately.
Product: Debt collection

In XXXX of XXXX, a company called XXXX XXXX took us to Court and placed a Lien on our home, in the amount of {$26000.00}. A payment plan of {$50.00} a month, was granted and was paid every month, until XXXX of XXXX, which exceeds the Statute of XXXX year Limitation. 

Real Time Resolutions , Inc., sent us a letter, dated XX/XX/XXXX, stating that they purchased this XXXX from First Plus and that we owed them {$36000.00}. 

I spoke with a XXXX XXXX regarding this letter in XX/XX/XXXX and gave him the XXXX File # XXXX and he at first, told me to disregard the letter, because the account was over XXXX years old, put me on hold, then came back and asked me did I want to send in a payment. 

I explained to him that payments had been made through the Courts, since XXXX, the payments were over XXXX years and if they bought this Lien from XXXX XXXX I wanted a Lien Release. 

XXXX XXXX told me they could not send a Lien Release, until {$36000.00} was paid to them. I told him that was not going to happen. 

I do not understand how this Company can try to get money from us and why they are refusing to send a Lien Release. 

XXXX XXXX XXXX Real Time Resolutions , Inc . 
Companys Address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Student loan

I co-signed the loans for my daughter. They send a reminder via email monthly-before the payment is due. They have misapplied payments numerous times in the past 2 yrs and drive you insane trying to get somebody on the phone to fix it. The woman yesterday blamed my daughter for them not applying the payment correctly. She was rather insistent that my daughter do a phone payment ( bear in mind she was n't even past due ) and urged her to do auto-draft. My daughter told her she would pay online, while she was on the phone. Her letter has XXXX amount-the woman on the phone is telling her a completely different amount due and can not justify why the difference. My daughter hung up on her, after giving her the information for her phone payment. Today they have started the day off at XXXX on my phone with an automated message to call a person that is non-existent. I know that is illegal in the collection agency world so I do n't see how they get away with that. They called my daughter at almost the exact time. She called and got somebody that informed her that the woman yesterday did n't code the account correctly. My daughter explained that she paid online yesterday and the money has already been taken from her checking account. They said the calls would continue for up to 48 hours! That is outrageous-total harassment! They have since called my phone XXXX more times by XXXX. Sallie Mae is going above and beyond to harass my daughter when she has proof that payment was made and the account is XXXX up-to-date. And unfortunately I can not check all XXXX boxes below, but they are NOT handling payments correctly, phone calls persist after we have confirmation they have received them and Customer Service is poor ( at best ).
Product: Debt collection

Subject : Request for Removal of Accounts Included in Bankruptcy from Credit Report I am writing to formally request the removal of certain accounts from my credit report. These accounts were included in my bankruptcy filing in XXXX  and should no longer appear on my report, in accordance with the Fair Credit Reporting Act guidelines. 

The following accounts were discharged through the bankruptcy process : - Prosper - XXXXXXXX XXXX  - JPMCB Card ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Chase - Credit XXXX XXXX XXXXXXXX Please investigate and remove any references to these accounts from my credit report. Additionally, I would like to address the issue of any attempts to collect on these discharged accounts, as I am prepared to pursue legal action if necessary. 

Enclosed is the documentation of my bankruptcy discharge, confirming that these accounts were part of the filing. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, [ Enclosures : Bankruptcy Discharge Documentation ]
Product: Checking or savings account

On XX/XX/23, I faxed to Capital One Bank a handwritten cover letter with directions, a completed and notarized Fiduciary Agent Instruction Form, my very elderly mother 's power of attorney, and my notarized Affidavit that Power of Attorney is in Full Force. 

On XX/XX/23, I received an email from XXXXcapitaloneXXXX stating that my " request was declined because we're unable to verify your identity. '' On XX/XX/23, I wrote back requesting " additional information about why my mothers power of attorney has been declined? The application was notarized, and the notary ( at a local bank ) checked my identification and confirmed my identity. '' On XX/XX/23, XXXX of Capital One 's fiduciary services responded by email : " Capital One uses a verification system to identify and verify all of our customers. Unfortunately, while processing your request to be added as Agent/Attorney-in-Fact for [ Mother 's name ], our identification system was unable to approve and complete the verification process.that would allow us to add you as Agent/Attorney-in-Fact. We are unable to change this decision. We apologize for any inconvenience this may cause. [ para. ] You do have the option of closing out the account payable to [ Mother 's name ] by sending in a signed letter of direction requesting the account to be closed. The letter should include the mailing address where the funds should be sent and emailed to XXXXcapitaloneXXXX Have a great day. '' Within minutes, I emailed back : " I thank you for your form email. Unfortunately, it still provides no explanation of your ill-advised decision to dishonor my mothers power of attorney. Please provide me with details behind such decision and the methods used in such determination. Thank you. XXXX '' I have heard nothing since.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX   XXXX not mine XXXX  XXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX {$180.00} not mine XXXX XXXX XXXX   XXXX {$140.00} not mine XXXX XXXX   XXXX {$3000.00} not mine XXXX  XXXX XXXX XXXX {$820.00} not mine XXXX  XXXX XXXX XXXX {$580.00} not mine XXXX XXXX XXXX   XXXX {$1000.00} not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

I have tried to communicate through different means and I never get a direct response with an agent or employee. They report different Names where it affects me relatively to obtain lines of credit in any company. Therefore I want the error to be corrected and only my correct Name appears
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was open with TRUIST BANK without my knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}. Please remove.
Product: Checking or savings account

Earlier this year I had found out that my Identity had been stolen, I Immediately began auditing all of my bank accounts and credit cards to determine if any had been affected. My Discover Bank Checking account was infact affected, so I reached out to them and notified them of the exact transactions on my account that were fraudulent ( meaning they were not authorized by me, and I had no knowledge of them whatsoever ). At first Discover was very helpful, they disputed most of the transactions I provided them, I uploaded the police report and other documents as evidence, then they issued me a provisional credit for each of the transactions, and then a few weeks later ruled the disputes in my favor and closed the cases. Unfortunately once I received all of the letters in the mail from Discover outlining exactly which transactions they had disputed I noticed that they had missed some of the transactions I had initially reported. So I figured the right thing to do was to call them and notify them of the missing transactions so they could fix the issue. I was told that we would need to open a new dispute for each transaction missed. Well they immediately denied the disputes, and have continued to deny the disputes no matter what documentation I provide, or that I point out that these transactions were reported the first time and those disputes were ruled in my favor, these are the same transactions as the ones ruled in my favor so why are they being denied? If the representative would have submitted all of the transactions I provided then I wouldn't 've have had to call back and file more disputes. The transactions are with the same merchant, many on the same date as the ones ruled in my favor. So why is it that these transactions are being denied when the same exact type of transactions were approved only a few weeks prior? I have explained myself to management, and anyone who will listen about this issue and no matter what I do or say it never gets resolved or fixed. I am not sure if the department that investigates the disputes is aware that I am only asking for the fraudulent transactions that were missed by mistake to be corrected or not. I have been trying to get Discover to fix this mistake for months and months but to no avail. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out certified letters to all 3 credit bureaus ( Experian ) ( XXXX ) ( XXXX ) requesting that they send me information that was validated. All Credit Bureaus failed to validate all information that was requested in 30 days. These accounts continue to reappear without any validation. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed another complaint against XXXX ( complaint # XXXX ) stating that XXXX XXXX is fraudulently reporting incorrect information on my credit report and that XXXX is not conducting a proper investigation into my claims. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 

Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect. 

Despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is incorrectly reporting an erroneous chapter XXXX bankruptcy with accompanying negative accounts ( included in said bankruptcy ) on my credit report. Trans Union has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 6 months. Transunion maintains the United States Bankruptcy Court of XXXX Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have all deleted the erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, while Trans Union has repeatedly refused.