23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Equifax admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXXXXXX. They refused to investigate that file for 2 years even while being requested to do so. Attached you will see the recent XXXX XXXX account that was flagged as fraud and deleted yet Equifax evaluated the account as accurate. This has been the issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax has refused to delete the fraudulent files
Product: Debt collection

To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). 

Per 15 U.S.C. 1692g, please provide me with the following information : XXXX. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 
XXXX. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 
XXXX. Any documentation showing your legal right to collect on this debt. 

In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. 

Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX validation period.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - -- - Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

We have told this creditor we can pay some after XXXX. Please stop calling just contact by mail. They call every other day at XXXX a.m. and we work from home.
Product: Money transfer, virtual currency, or money service

Starting XX/XX/XXXX I havent been able to selling my Bitcoin and withdraw the funds. Every time I try it tells me there was an error and to try again. Then I get an email telling me my transaction was canceled. Ive been reaching out to support but havent gotten a response thats been able to fix my problem. Ive tried selling it again this morning and its still giving me the error. Please help in anyway you can. Its a lot of money to me that I dont want to just lose because of a companies poor ethics. My name is XXXX XXXX and my account username is XXXX Please help me with getting my money back from coinbase
Product: Credit card

I transferred a balance to my Citi simplicity card at a 0 % interest rate. I have reviewed every single one of my financial statements for the past 9 months and they all clearly state for my balance transfer : XXXX  XXXX ( Balance Transfer Rate Until Paid in Full ) 0.00 %. If any competent human alive reads that, they would assume that the interest rate for the balance transfer only will be 0 % until paid in full, otherwise it would show an end date for the 0 % interest and tell me that interest would being accruing on a specified date. I have 9 months of financial statements from Citi that show exactly what is typed above, 0 % until paid in full, not 0 % until XXXX date. I have reached out to Citi and asked them for clarification and was told to ignore the past 9 months of financial statements and that I will be accruing interest starting in XXXX, even though my financial statements from them indicate something entirely different. I have chat transcripts and screenshots of my statements showing the 0 % until paid in full going back the past 9 months. I am asking the CFPB to step in and hold Citi liable for keeping their promise ( as indicated on my past 9 months of statements ) of 0 % until paid in full. Had the statements shown me that I would be accruing interest in XXXX, I would have been making bigger payments on the card. Please someone, anyone help me - because Citi isnt. Thank you
Product: Student loan

Discover Student Loans issued my monthly statement in the beginning of XXXX of 2018 indicating the payoff amount for all of my loans totaled approximately {$58000.00}. Then, over a series of payment between XX/XX/XXXX and XX/XX/XXXX, I payed {$62000.00} to Discover Student Loans to repay my debt. Discover Student Loans did not accept many of these payments and issued " Payment Reversals '' for many of these. However, I was never issued a refund for reverse payments - Discover Student Loans still has all the money that I paid them, but the amount has not been applied to my loan. Discover Student Loans is now claiming that I owe an additional {$16000.00} dollars. I have clear records of all my payments, and because all of these payments occurred electronically, my personal bank also has record of these payments, with no record of refunds ever being issued. It is my belief that Discover Student Loans is fraudulently attempting to take money from me that they are not entitled to. Please contact me to assist with this manner and so that I am provide further details. 
Thanks You, XXXX XXXX ( Primary Borrower ) and XXXX XXXX ( co-signer and brother of the borrower )
Product: Debt collection

I received a letter in the mail from Credence Resource Management who is allegedly representing XXXX XXXX XXXX XXXX the letter stated this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for XXXX. I assumed this was a check or money that was owed to me for by law I can not pay on a positive balance. They also were in violation of several federal laws that I placed in the attachment.
Product: Checking or savings account

on XX/XX/24 someone walked into a citizens bank in XXXX CT, using a fake XXXX license with my info they tried to withdraw {$5500.00} from my business checking account. 
On XX/XX/24 somebody withdrew {$9900.00} from that same account, XXXX I think the fraud started with a target on my inquiry into XXXX, this past winter.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called EQUIFAX several times trying to get resolution of a dispute. I was professional and I am not an irate type of person. It was extremely disappointing to have several people either hang up or transfer me to another person without my knowledge. I was even hung up on my a supervisor when I was going to quote the law. I am disputing items on my credit report based on 15 U.S. Code 1681a under 2B in exclusions. I demand these items be removed! I have also sent another complaint thru the CFPB. Confirmation XXXX. 

This ORGANIZATION WASTED HOURS OF MY TIME AND WAS VERY UNPROFESSIONAL! I DEMAND MY CREDIT REPORT BE CORRECTED AT ONCE! I HAVE DISPUTES FROM XXXX AND XX/XX/22.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account is showing first delinquent date past XXXX  Statute of Limitations law of XXXX years request removal from all Consumer Reporting Agencies
Product: Debt collection

I am writing to you regarding this debt with JEFFERSON CAPITAL SYST associated with my name. I am a member of the XXXX XXXX XXXX XXXX advocate I have recently become aware that this debt is appearing on my credit file from JEFFERSON CAPITAL SYST, which does not belong to me I have not by any chance, obtain or utilize any services or goods pertaining to this debt. I am here by demanding immediate deletion of this fraudulent Debt thats reported to my credit profile of in accurate information USC section 15 reporting to my credit profile it it is a defamation of inaccurate, information and character
Product: Credit card or prepaid card

Capitol one is reporting late payments on my credit report and i asked to be removed the account XXXX XXXX

In accordance with the fair credit reporting act Capitol one XXXX XXXX has violated my rigths.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for our purpose.
Product: Credit reporting or other personal consumer reports

I paid my account balance with BMG Loan in full to {$0.00} on XX/XX/XXXX. However, BMG Loan has not reported my correct account status as paid in full with a {$0.00} balance to XXXX and XXXX. I have made several contact phone attempts with BMG and requested this is resolved. I have also submitted multiple disputes with both XXXX and XXXX. I even provided proof of payment in full to {$0.00} to both XXXX and XXXX, but both XXXX and XXXX are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from BMG Loan regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from BMG name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by XXXX and XXXX. 
XXXX. ) Account Name_ BMG Loan- Account Number : XXXX XXXX and XXXX : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
BMG MONEY # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Wrong ; Should be rating for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my XXXX dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from BMG Loan XX/XX/XXXX, and the thank you email from BMG that I settled the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Student loan

XX/XX/XXXX XXXX XXXX now it 's NAVIENT Amount taking out in XX/XX/XXXX was {$5800.00} Amount now in XX/XX/XXXX is {$5200.00} Plus accrued interest each month {$50.00} Interest rate XXXX Pay in so far {$11000.00} Auto pay month payment {$110.00} I keep contracting them try to understand why this loan keep changing and not being pay off. It 's been 14years. They told me it wo n't be pay off until XX/XX/XXXX. They continue to change the monthly fee. They said it was a 48 month loan. When I spoke with them today it was 189 month loan. So I ask once again for the paperwork on this and it will take 2 weeks found it and send it out if they have it. They will put in a request for the paperwork and payment history. I have ask several time to send me a payment history. They said they would and I still have n't seen it. I keep talking to them but its going know were. I get lots of excuses. It 's pretty bad I had to complain to BBB so they can contract NAVENT to figure out why I did n't have account when I called. But was being bill each month NO PROBLEM. They sure no how to take the auto payment for XXXX each month too. They continue to be rude and to top it off they always put you on hold 5 to 10 min so they can look up information each time you ask a question or your call gets drop. Then you have to start all over again when you call back. Then they still do n't know what I 'm talking about it. I have try to pay it off and they wont let me and take off co sign they wont let me. I do n't feel my co sign needs to be on here any more. I have great credit. They will not let me Refinance either. I have try everything. I have talk to my bank they do n't understand why this not payoff or why they there not working with me. The interest that has been paid in is way more then they have every seen for a loan of this amount XXXX loan. PLEASE HELP STOP THIS MADNESS.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of XXXX XXXX. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XX/XX/year>
Product: Debt collection

I contacted the company for debt validation and never received a response. They are not the original creditor associated with the debt so I requested that they provide a complete validation of the amount owed and never received a response from the company. My letter was sent to them certified mail in XX/XX/XXXX and there was no response. On XX/XX/XXXX I learned that they placed the item on my credit report as a collections on XX/XX/XXXX.
Product: Debt collection

I received a collection letter from ONLINE information services regarding an account opened in XXXX not paid with XXXX XXXX Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is offering online services and online disputes and charging a monthly fee for credit monitoring etc. I have tried forever to submit and online dispute and getting errors about my information not being valid. I feared that there was fraud on my Equifax credit report so I signed up for their service and paid money. Now I find out after doing so that their online dispute system is down and has been down for a YEAR! If its down and not working why do they still have the link up and no statement on their website that its down and not working. This is quite shady of them and seems like a scam to strike fear into people only for them to find out that this MAJOR ORGANIZATION CAN'T SOLVE A SIMPLE WEB SITE ISSUE IN OVER A YEAR! 

I also have been unable to request my credit report online with them, until I signed up with their service and paid them, they wanted me to mail in a form containing my very sensitive information which I'm not comfortable doing. 

My credit report is supposed to be free and I couldn't get it free from them. It was odd that when I signed up for their service and paid them they were certainly able to pull the information and send it to me with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX also XXXX -account 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.
Product: Bank account or service

I had deposited a paycheck as I usually do into an ATM for about XXXX $ on XXXX/XXXX/2015 at about XXXX and checked my balance, where it clearly stated XXXX $ was available immediately for the account and more was being cleared by the bank as usual. Later on I went and purchased something small for XXXX $ a little bit later on XXXX/XXXX/2015 at about XXXX but today I went to check my account balance and noticed a XXXX $ overdraft fee. This is unfair as there is nothing stated on the screen regarding that I would be charged a XXXX $ bank fee. 

Im not a banker, I dont know every single tiny little detail loophole etc especially when I am not informed.
Product: Credit reporting or other personal consumer reports

I lack any knowledge about these inquiries and the company acted without my permission.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter telling EXPERIAN the consumer reporting agency to remove a 30- and 60-day late payment from my consumer report because I was not late. They investigated and updated the report but did not remove the late payments. I want to how they verified this account. What information was sent from the creditor to the consumer reporting agencies regarding the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave XXXX XXXX XXXX permission to access my credit report. I called Transunion and sent in a letter and Transunion have not removed this inquiry off my credit report
Product: Debt collection

American Express has my contact information to include : email address, mailing address, and phone number. Even though they have this information, they continue to call my family members repeatedly. I have read that this is unlawful which is why I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! 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, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. 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 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. 
XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}