23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts with Experian on XX/XX/2020 because the accounts are the same refinanced accounts, not duplicates, and the balances are incorrect. 

1. XXXX XXXX, account number XXXX XXXX. XXXX XXXX, account number XXXX XXXX. XXXX XXXX account number XXXX Experian stated the accounts were verified, but they did not actually verify the accounts. 
Experian continues to report these inaccurate items on my credit file. 
By Experian continuing to display the unverified accounts on my credit file they are in direct violation ofThe Fair Debt Collection Practices Act ( FDCPA ). 

These accounts should be removed from my file because the debt was not verified and is inaccurate.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX at XXXX i received {$2500.00} by cashapp, i did not expect these funds and sent them back to the sender at XXXX. these funds were never deposited into my personal bank account but only came in to my cashapp wallet and left XXXX minutes later. a month later, cash app debited {$2500.00} from my personal chase account claiming there was a dispute with this payment. i have not be able to resolve this issue and cashapp customer support is poor to say the least
Product: Vehicle loan or lease

Ally Auto is reporting to the XXXX credit bureaus XXXX, XXXX and XXXX that I have XXXX late payments existing on my now paid off loan. I have disputed this incorrect reporting and called associates employed at Ally Auto. Ally Auto will not give a solid answer and can not provide proof that i have made any late payments or the months indicated on the credit report. I have proof that i have made on time monthly payments throughout my loan term, when in fact they are negligibly reporting otherwise causing my credit score to drop. Attached are record of payments made to Ally Auto on month and year where they state the payments were late.
Product: Debt collection

XXXX XXXX from Halstead financial has continued to call me repeatedly, he has stated multiple times that they are taking legal action against me when I told him my situation and offered to give them what I could he told me it was n't good enough.
Product: Credit card

I originally had a credit card with them and paying around {$230.00} a month. I had sent XXXX check XX/XX/2012 and was told that neither were received. When checking my bank statement to verify if that were the case I noticed they were deducting {$650.00} a month for a life insurance policy. I never agreed to nor signed any type of documents for a policy or authorizing {$650.00} to be drafted from my account. I requested proof of the authorization or even a signed document for this policy and they indicated they did not have to provide because there were Bank of America. I then obtained an attorney to get this resolved. I refused to pay anything else to Bank of America until they provided me evidence of the life insurance policy and authorizing payments to be drafted from my account. The total amount they drafted for that bogus policy was {$6500.00} however, I agreed to not sue for the balance if they would settled the credit card for {$1200.00} and release any and all claims or is successors against me. My attorney has been trying to get them to respond and to date they still have not.
Product: Student loan

I went to XXXX College in XX/XX/XXXX - XX/XX/XXXX. I took out two loans, one for {$18000.00} that is now {$33000.00} and another for {$8900.00} that is now {$17000.00}. After taking out these loans i was unable to get anymore financing through anyone, so I joined the military. I was in the XXXX XXXX for four years. These loans should have been locked at a certain percentage due to my service, but they are now over 9 % each. The interest is absolutely absurd. I have one semester left in school and they are denying my in school deferment. Which for some reason they always put under forbearance instead of deferment. I do not have the funds to pay these outrageous loans while I am in school. I have been pushed around enough, now I am being hounded by debt collectors. This company is trying to ruin me before I even graduate. I would like someone to reach out to me and talk about this. Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unverifiable Debt Following XXXX Deletion Dear Sir/Madam, I am writing to formally inform you that the disputed charge-offs from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were recently deleted from my XXXX credit report after a dispute was initiated. The investigations were completed on XX/XX/year>, and the accounts were completely removed due to being unverifiable. 
The details of the disputed accounts are as follows : XXXX XXXX XXXX : {$46000.00} Charge-Off XXXX XXXX XXXX XXXX XXXX {$15000.00} Charge-Off According to XXXX investigation, these accounts were deleted from my report as they were unable to be verified. As such, I respectfully request that you, as the Credit Reporting Agencies ( CRAs ), take the necessary action to remove these unverifiable debts from my credit report as well. The Fair Credit Reporting Act ( FCRA ) requires that all information on a credit report must be accurate and verifiable, and since XXXX has deleted these accounts, they can no longer be reported as valid or accurate. 
If XXXX has removed these accounts completely from my report, I believe it is your responsibility to do the same. The FCRA mandates that when a disputed account can not be verified, it must be removed from the consumers credit report. The relevant sections of the FCRA include :

Section 1681i ( a ) ( 1 ) ( A ) : Requires that a credit reporting agency conduct a reasonable investigation and remove any unverifiable or inaccurate information. Section 1681e ( b ) : States that a cred
it reporting agency must ensure the accuracy of the information it reports. 
Therefore, I respectfully urge you to investigate these accounts, as required by law, and remove them from my credit report within 30 days of receiving this notice. 
If the unverifiable debt is not removed within 30 days, I am entitled to take further action as outlined under the Fair Credit Reporting Act ( FCRA ), including the possibility of legal action. Under FCRA Section 1681p, if a credit reporting agency fails to comply with the provisions of the FCRA, I may have the right to sue for actual damages, statutory damages of up to {$1000.00}, and attorney fees. 
Additionally, under Section 1681n, if there is willful non-compliance, I may be entitled to punitive damages. 
Please consider this letter as a formal request for the immediate removal of the unverifiable accounts from my credit report. Failure to do so will leave me no choice but to pursue legal remedies as allowed under the FCRA. 
I look forward to receiving confirmation that these items have been removed within the 30-day timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My payment history is inaccurate and being misreported.
Product: Checking or savings account

I am a current customer at Chase Bank. I have been there for several years and never had any problems with the customer service until XX/XX/2019. I currently bank at the following location : Chase Bank XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. 
I have a personal and business account. 

On XX/XX/2019, I entered the bank between XXXX and XXXX XXXX XXXX XXXX. The purpose of my visit was to get a replacement for my debit card. I noticed a seat near the window was vacate and decided to sit down and wait for some assistance. There was a male sitting next to me and a female employee working near the window. The man was waiting for assistance. We made eye contact. He had a disapproving look in his eyes and quickly diverted his eyes elsewhere. 

I continued to wait even after the man sitting next to me was assisted. After waiting several minutes more, another customer came in and sat on my right side. It was then that XXXX XXXX, a private client banker, came out of his office. He approached the guy sitting to my right and asked him if he needed any help. I immediately got up and asked Mr. XXXX when I was going to be assisted. I pointed out to Mr. XXXX that I had been waiting for assistance. I went on to ask him, " Why you ignore me? I was here before this guy? '' Mr. XXXX responded, " Oh, no, I'm talking to you now. '' I responded to him by saying,, '' No, You're talking to this guy. '' Finally he said, " Ok, Ok. Come into my office. '' It was then I finally got service. At XXXX XXXX, I was finally able to get a new debit card. I kept wondering how much longer I would have been waiting if they guy hadn't come in. 

I returned to the bank on XX/XX/2019 between noon and XXXX XXXX to complain about what happened on XX/XX/2019. Mr. XXXX was working alone and recognized me from the previous day. I asked him if I could talk to the boss and he said that he was the boss. I went on to ask him, " How can I complaint against you? '' He never gave the information on how to file a complaint. It became clear that I wasn't going to get anywhere with him so I left and decided that I would return on Monday in homes of getting the information necessary on how to file a complaint. 

I returned to the bank on XX/XX/2019 and talked to a teller. I gave her my contact information. She forwarded the information to XXXX XXXX, Branch Manager and Vice President, via email. Mr. XXXX called me on XX/XX/2019 at XXXX XXXX and left a message. I missed the call and wasn't able to get the message. 

I decided to return to the bank on XX/XX/2019 in the afternoon. I gave the teller my email address so that Mr. XXXX could email me instead of calling me and so we could come up with resolution. 

Mr. XXXX and I met on XX/XX/2019 at XXXX XXXX. During the meeting, Mr. XXXX informed me that he couldn't provide any assistance because it was a different department. He didn't give me the name and contact information of the department to complain to. When the issue gets investigated, there is amply security footage that was recorded on XX/XX/2019. I could easily tell there are several security cameras watching everything that happens in the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX and XXXX XXXX  XXXX HIPPA Laws and Rules. 
XXXX. XXXX, Equifax, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, Equifax, XXXX illegally accessed my frozen credit file for profit.
Product: Debt collection

On XX/XX/XXXX I checked my credit report and noticed that Mercantile Adjustment had placed an account on my credit reports. I filed a dispute and the credit bureaus said that the account was verified as correct. I sent a debt validation to Mercantile Adjustment on XX/XX/XXXX via certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ) as of XX/XX/XXXX I still have not received any proof of validation for the debt. It is still being reported on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXXXXXX and after reviewing my credit reports provided by the XXXX, XXXX and Transunion, account, XXXXXXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per XXXX report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, XXXX reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to XXXX. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!
Product: Checking or savings account

I use cashapp as a secondary bank account. Had looked at my statements someone hacked into it and fraudulently brought XXXX  with it and spent it. Started on XX/XX/XXXX at XXXX all the way till XX/XX/XXXX @ XXXX over XXXX $ worth of money had been fraudulently spent. I contacted cashapp support they told me it was a loss and nothing could be done.
Product: Debt collection

Creditor contacted me on the XXXX XXXX, 2016. I told them I would need 30 days to verify the debt, which is an acceptable time as stated in the Fair Debt Collection Act, to verify the debt. I would then contract them on or before XXXX XXXX, 2016 to set up payment resolution. I was contacted again by the same creditor on XXXX XXXX, 2016. I explained again I would need to verify the debt and contract them on or before XXXX XXXX, 2016 to set up payment resolution. The creditor said they do not need to adhere to the Fair Debit Collection Act and I would need to contract them on or before XXXX XXXX, 2016 to set up payment resolution or they would pursue legal action.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for its failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite providing detailed submissions, Equifax has repeatedly responded within 24 hours claiming the disputed accounts are accurate. These responses lack any evidence of a thorough investigation and suggest a failure to adhere to their obligations under federal law.

This conduct directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed information. Furthermore, Equifaxs actions appear to contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue is consistent with findings in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-002 ), where similar violations by Equifax were identified. 
I respectfully request the CFPB to take immediate action to ensure Equifax complies with federal law. Consumers deserve transparency and a proper investigation process, including the provision of evidence supporting Equifax 's determinations. 
Below is a list of accounts and information I have disputed as inaccurate : XXXX XXXX XXXX - Account : XXXX ; Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) - Account : XXXX ; Opened : XX/XX/XXXX Original Creditor Unknown - Account : XXXX ; Opened : XX/XX/XXXX Employer : XXXX XXXX These inaccuracies remain unresolved, and Equifax has failed to provide adequate documentation or validation in response to my disputes. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

ENHANCED RECOVERY CO is listed under collections on my credit report giving me a negative score. Original creditor is XXXX XXXX, whom I contacted and paid in full my remaining balance {$380.00}. However when I pull up my credit report I see listed under Collections Enhanced Recovery ( account shows Paid and closed with amount owed {$0.00} ). I have called this so called company Enhanced Recovery and both times they say I need to call XXXX XXXX. When I explain to them I have called XXXX. and paid them. They respond again sir call XXXX when I try to get them to explain why I should call XXXX. when the account name on my collection report states Enhanced Recovery not XXXX I can advise any further than stating call XXXX XXXX. These companies like this Enhanced go out of their way to harass you constantly and call you all times of the day wanting their money. Once it's paid for in full and consumer no longer owes them money. They no longer have a clue and play like idiots, I am currently in the market to purchase a new vehicle but with this, still listed and not removed like it should be my credit is lacking a good score. If companies wont remove it why should a consumer even pay a collection just wait 7 years.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are reporting an account XXXX XXXX XXXX for {$680.00}. The information posted is inaccurate and have responded by invalidating my request based on non-specifics. By law, that is not my responsibility. They have failed to properly investigate multiple times. I have no agreement with XXXX and they do not have permission to have my information. Transunion and XXXX in addition do not have permission to share my information with 3rd parties like XXXX that is inaccurate. Transunion and XXXX are in violation of the FCRA sections 1681e, 1681i and 1681s-2.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding consumers with the necessary proof of investigation.
Product: Debt collection

Asked various times for validation of this supposed debt to include original documentation showing I owe this debt without any response from debt collector. I have also sent disputes to credit agemcy whonsay they have verified but cant get any documentation from debt collector. Under FCRA they are required to provide original documents to prove I owe this debt and if they arent able to must by law remove supposed debt from my credit report as it is effecting me obtaining credit, auto loans, mortgage, etc.
Product: Debt collection

I had a chargd off credit card debt with Discover Card in the amount {$1800.00}, which was sent to their third party collection agency, XXXX XXXX XXXX, XXXX. ( Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ; Phone number is XXXX ). I made a payment in full on XX/XX/2021 to XXXX XXXX XXXX to pay the account in full. I was then advised by XXXX XXXX XXXX to e-mail them copies of the cleared check and a screen shot of my bank transaction history showing that the payment of {$1800.00} had cleared my bank. I e-mailed this information to them on XX/XX/2021. On the same week of XX/XX/2021, I made several phone calls to XXXX XXXX XXXX and to Discover Card ( Phone number for Discover Card is XXXX ). On these phone calls, I was assured that XXXX XXXX XXXX had approved the closure of my file with them, they would send a dismissal notice to XXXX County conciliation court, and then send the closed file to Discover Card. In speaking to Discover Card multiple times, I was assured that they did show the payment had been received, but they could not update my account as " closed - paid in full '' with the credit bureaus until they received the closed file from XXXX XXXX XXXX. On XX/XX/2021, I spoke to XXXX at Discover Card ( phone number XXXX ) and she attempted to reach out to XXXX XXXX XXXX to get the closed file from them so that Discover Card could update the credit bureaus that my account was paid in full and closed. The call then became disconnected for unknown reasons. I then called back and spoke to XXXX, who refused to understand the issue and what I was asking of him. He became threatening and rude -- and refused to answer my questions -- when I asked if the call was being monitored and recorded. After nearly one hour of speaking to XXXX and getting nowhere with his abusive language to me, his refusal to help resolve the issue and his inability to answer my questions directly on the debt collection practices of Discover Card, I was then transferred to a supervisor named XXXX. XXXX began screaming at me at the top of his lungs, at which point I could neither hear nor understand him. He asked me " were you abused as a child? Are you always a bully? '' and began hurling abusive and derogatory terms at me regarding my gender identity. XXXX then terminated the call without telling me what he would do to resolve the issue to get the debt reported to the credit bureaus as closed and paid in full. I then called back, got XXXX again, who immediately transferred me back to XXXX. XXXX then began verbally abusing me again, using language to degrade me and accuse me of being a bully and telling me that I was inept and not listening to me. XXXX refused to tell me, once again, what he would do to resolve the issue of updating the debt as closed and paid in full with the credit bureaus. XXXX, again, screamed at the top of his lungs at me to tell me that I needed to " shut up and listen, '' at which point he terminated the call.
Product: Debt collection

I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse
Product: Credit reporting or other personal consumer reports

CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Product: Debt collection

Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my XXXX bank account. 

Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The XXXX bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. 

But for the {$500.00} through zelle in XXXX, I failed to get it back. The XXXX bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have payed off my current account with capital one and they reported it to the credit bureau however they remarked it incorrectly. My credit score had to increase instead of dropping. I fully paid the balance I had with them and I need the 3 credit bureau to report the good remark and increase my credit score as it should be. Paying off credit cards are positive remarks not negative please I need help with this issue thanks