23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my credit report with XXXX, it shows no data for two months. As I dispute the debt, the company refuses to take it off and generates a different payment history. The company still has not verified any debt owed. XXXX has not removed the account. I have written several letters. I have spoken to a representative, and I have disputed online. The name of the creditor XXXX Capital systems.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unauthorized and fraudulent inquiries I do not recognize. 
Fraudulent inquiries listed : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Equifax never received any written permission or consent from me as the consumer, which is a violation of the XXXX XXXX XXXX Section 1681 b ( c ). This is a breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Amex XXXX Credit Card on XX/XX/2020. I was declined online with no explanation. The Amex website stated I would received a letter in the mail. On XX/XX/2020 I received the letter stating the reason for being declined. The explanation states : " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts ''. This is not accurate information. I called American Express at XXXX on XX/XX/2020. The person on the phone could not tell me which of my accounts the declination statement applied to. They also suggested to call the credit bureau XXXX. I also called XXXX  on XX/XX/2020. They could not tell me which of my accounts had the statement and recommend to pull my annual credit report. I pulled my free annual credit report and on the file, no accounts have this statement.
Product: Debt collection

I, XXXX XXXX XXXX, am writing to reiterate my position regarding the outstanding invoice for ambulance transportation services rendered to me on XX/XX/year>. 
As previously conveyed, I wish to emphasize that I am not liable for the expenses associated with the aforementioned ambulance transportation service. On the specified date, I was involved in a vehicular accident that resulted in injuries necessitating immediate medical attention. It is crucial to note that the accident was not caused by any negligence on my part, but rather due to the actions of the other driver, who holds full responsibility. 
While I acknowledge the crucial role played by the ambulance services in promptly transporting me to the hospital, I must reiterate that I am unable to assume financial responsibility for these services given the circumstances surrounding the incident.
Product: Credit card

I was at a Zale 's XXXX in XXXX, SC at XXXX XXXX shopping for engagement rings. I asked the saleswoman if she can see what I would qualify for to finance a ring. She said sure and took my information and ran the numbers for me. I told her thank you and I would have to think about what I wanted to do, so I left. About a week later I received an activated Zales Credit Card in the mail, even though I never gave consent to sign up for XXXX. I feel as though the saleswoman was misleading in the service she provided for me in that she gave no indication whatsoever that I was signing up for XXXX of their credit cards. When I called Zales they told me that they could n't do anything about it except close the account, which hurt my credit score. I would like this account to be removed from my report due to the misleading conduct of the saleswoman at the store.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave permission to the XXXX XXXX to initiate a background check on XX/XX/2020. The company First Advantage would be conducting my background check. The results of my criminal history came back with a felony instead of a misdemeanor, I have never been charged with a felony. I believe this misleading information would significantly hinder my ability to work for this employer.
Product: Checking or savings account

A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. 
Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : - XXXX XXXX account XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates.

My rights was violated a few times.

According to 15 U.S.C section 602 A STATES, I have the right to privacy.

According to 15 U.S.C 1681 section 604 A Section ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

After examining my credit report, I observed inaccuracies in the listed accounts.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Inaccurate and Unverified Negative Items RE : Credit Report Dispute Report XXXX XXXXXXXX ( Experian ) To Whom It May Concern : I am writing to formally dispute the following inaccurate, incomplete, and unverified negative items on my credit report under Section 611 of the Fair Credit Reporting Act ( FCRA ). These items have not been properly investigated despite previous disputes, and their continued reporting violates my rights under the FCRA. 

As you are aware, ExperianXXXX is currently subject to litigation for failing to investigate disputes in good faith. I demand the immediate removal of the following items, as they are either erroneous, outdated, or lack sufficient verification : XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XXXX XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$300.00} Highest Balance {$350.00} Terms -
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX  XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

I am trying to modify my loan with Bank of America. However, they have filed a lawsuit for a " relief of Stay '' so that they an start the foreclosure process on my house. They filed this lawsuit without offering me a loan modification.
Product: Debt collection

I never received a notice of debt or communicated with this debt collection company. I never paid this debt collection company any money. I satisfied my debt with the original debtor XXXX XXXX prior to this debt being reported on my credit reports. I disputed this debt and the company reported it as paid with a {$0.00} balance but did not remove the collection. I do not owe this company nor have I had any communication with them.
Product: Student loan

This company ( NAVIENT ) calls everyday, multiple times a day from MANY different numbers. 

They have contacted third-party persons that have no affiliation with the financials of the loan. I have asked that they do not contact anyone that was not financially responsible for the loan. They have up-to-date contact information and do not need to contact anyone else. 

They have failed to stop contacting the third party persons, after I stated they were told not to contact anyone. They also contact third-party persons looking for looking other third-party persons. 

I have told them on numerous occasions my inability to pay and that the options they provide are not something I can peruse. They constantly talk over me when I am trying to explain when it does not align with their goals for the conversation. Very condescending and not helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by TransUnion, XXXX and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted TransUnion, XXXX, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Product: Credit card

Not granting me e the opportunity to to increase my line of credit I have maintained a positive balance with no interest or late fees. for over two years I have maintained a balance of capital with JP Morgan, prejudice decisions have hender me from establishing a significant amount of credit.with my credit score I can apply for a house but can not get a secure line of credit with a capital balance in the Bank. My brother 's and sister to whom which uphold the power to capitalism have hender me by making bias and prejudice decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginningXX/XX/XXXX-XX/XX/XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXXbeginning XX/XX/XXXX-XX/XX/XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter.

XXXX XXXX
Product: Credit card or prepaid card

We have consistently used our Chase credit card for transactions on XXXX, dating back to XXXX XXXX XXXX. Starting in XXXXXXXX XXXX  XXXX, they started charging us a {$10.00} cash advance fee for every single XXXX of these transactions. I was not made aware of these new fees for using Chase cards on XXXX. I saw no updated terms, I saw no email alerts ( and I've search my emails ), and I've never got a warning or alert that I've been charged multiple transaction fees. I don't care as much about my own experience, but I have a feeling there are millions of people doing the same thing and all being charged fees.
Product: Checking or savings account

My account was closed at Chase around XX/XX/2023. The bank never sent the cashier check with the balance on my account. Im not XXXX XXXX  so I cant go to a branch to request my money. 
Thanks
Product: Checking or savings account

I just started my towing business and the way it works is, when XXXX calls me, they need me to pick up a car from a impound lot. They send a virtual card for me to pay with ( or I pay with my cash or card and just charged the virtual card to square and the money should go to my account. ) Square thinks I am performing fraud and asked me for information and froze my account. I sent all the information including my business EIN, details of my business, all other proof they asked for and gave them access to my bank account. 
Within minutes I get a message that states they will deactivate my account and hold my money for 90 days. 

I called but after going through the prompts it says, they will reach me through text to get me to the right representative and just hangs up. I called so many times and all the options lead to that. No text comes. I go online to chat and the chat is greyed out and the option to call is the only one available and I try that and it is the same number and I get the same response, where the automated person just tells me to expect a text and hangs up. No text comes. I am stuck in a loop and they stole my money. 

I am still new and learning how to get paid from XXXX so that money they have is MY MONEY that I used to get the cars from impound lots. I have receipts from the impound lots. Now I have worked for a week, XXXX is still setting me up and is paid out at a later date and Square ( which is suppose to help my business ) stole my money, so this week I made over NEGATIVE {$2000.00} ( not including maintenance and gas. ). I am a new business it took everything I have and loans just to start. You didn't steal my profit you stole my money! 

I've included multiple receipts from impound lots and release forms from the company that contacted XXXX. I don't know what else there needs to be provided.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802. I have been a victim of identity theft affected by Equifax breach and XXXX XXXX that stems into XXXX  related synthetic fraud as well. Please see attached proof of the breaches and identity theft. I have sent correspondence over to Equifax and wasnt able to get a response. I have hired XXXX XXXX XXXX XXXX to escalate the matter if needed. But hoping to resolve this matter in this way : thank you
Product: Credit reporting or other personal consumer reports

Today I spoke with XXXX XXXX XXXX XXXX  with XXXX XXXX  # XXXX He Explained to me that my account # XXXX was charge off XXXX XXXX and is XXXX  years and XXXX  months past due I explained to him that according to the Federal Financial Institutions Examination Council ( FFIEC ) and the Fair Credit Reporting Act ( FCRA ) credit card charge off s must be reported within 180 days from the date of the first delinquency that led to the charge off in this case to XX/XX/2017 I requested the delete of this account and other XXXX accounts of XXXX XXXX XXXXXXXX in the same situation with Experian and XXXX and they told me to call the Banks first ... ... .Please that accounts now are more than XXXX XXXX XXXX I request your help to be deleted ... ..Thank you
Product: Credit reporting or other personal consumer reports

EQUIFAX is violating my consumer rights. They are fraudulently letting XXXX XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EQUIFAX for failure to investigate as I'm a federally protected consumer. I will also be reporting both EQUIFAX and XXXXXXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since EQUIFAX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXXXXXX XXXX  isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these XXXX companies have caused. I know that XXXXXXXX XXXX pays EQUIFAX to report inaccurate information and EQUIFAX refused to give me a fair investigation for their financial gain.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX
Product: Debt collection

I cancelled a contract back in 2012 with XXXX due to a service not being provided. I spoke with XXXX and cleared up the charges owed and wary termination fees were also stated to be removed totaling around {$600.00}. HOWEVER. XXXX XXXX XXXX XXXX has a collections report on my credit history for {$1000.00}. In attempts to repair my credit over the last 7 years this company XXXX XXXX is the only company that will not agree to remove this old and cleared debt. I want this record removed from both XXXX and XXXX. I have disputed this several times without compliance.