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

XXXX In the above refrenced complanit you stated information was submitted to me which is false. There will not be 30 days to reinvestigate I gave you more then 30 when I disputed the items initally. The comapny responded saying they cant locate the accounts so how were the proof submitted. Based on the credit file its states they are medical debuts. As an XXXX XXXX service member before a negative item can be added to my credit report there needs to be a court order. per the SCRA act. XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1800.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1200.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$64.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$42.00} dditionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.
Product: Credit reporting or other personal consumer reports

I discovered again 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or removed : XXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX
Product: Checking or savings account

This is a new complaint. I just got off the phone with the executive offices at Wells Fargo. The representative I spoke with has informed me that my claim was " re-opened, '' and that it was assigned an analyst, but he couldn't tell me anything about the investigation, or why I was never informed of it or of it being closed. He also stated that Wells Fargo would not be issuing any credit to my account pending the analyst reviewing my case. When I asked this person about Reg E, and why those rules were not followed in handling my fraud claim, he couldn't tell me. So, with the information he just gave me, I'd like to recap what I understand Reg E to imply and how WF has not complied with it, and ask what that means for me. Wells Fargo failed to promptly investigate ( or if they did, they certainly didn't inform me of any determination ) ; they failed to complete such an investigation in the 90 days required ; they failed to provide provisional credit while completing their investigation ; they failed to inform me of any such credit ; they failed to inform me of any determination regarding the claim ; they closed my account with a pending investigation in progress ; they closed my account due to overdraft which shouldn't have been a problem to begin with had they complied with error resolution procedures ; they threatened me with credit reporting agencies if I didn't make a deposit ; and now I'm told that they closed the investigation altogether without notifying me of it at all. According to the person I just spoke with, Wells Fargo has no resolution at this time and told me that I would have to wait to find out until Wells Fargo 's analyst makes a determination and that I would receive notice by mail. I would think that someone at the CFPB might take an interest in these violations. If this is consumer protection, than we're in trouble. I have provided all the information, all the documentation needed to resolve this matter and there is no reason that it is not yet completed as far as I can tell. This is completely unfair and what is the point of having these regulations put in place if they do nothing to actually assist consumers in times of dire need like this one? I am attaching the video where I am hypnotized on tape. I could only submit a certain file size so you can't see what happens before or after, or I would have sent the whole thing. Maybe this will convince you all to help me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

About a year ago,   XXXX   of 2016, I received a notification in the mail that it was my last chance to take advantage of a special program that provided relief for people buried in student debt. I investigated by calling the number that was provided and was guided through an information exchange process by a woman named   XXXX   XXXX  . She claimed that if I gave her company my tax and personal information, I could partake in her company 's program that, in her exact words, " would wipe out my federal student debt after 20 years of payments to them. '' This company was EQUITABLE ACCEPTANCE. What I did n't know was that the way she planned on doing this was by lying on my behalf on a federal form. EQUITABLE fraudulently reported to  XXXX , my loan servicer, that I had as many as   XXXX   dependents in order to get a $   XXXX   monthly payment, then charged me {$40.00} a month for it. It shows up on my credit report as a credit card thats maxed out, on which I am making minimum monthly payments. EQUITABLE applied MY SIGNATURE to false information on MY BEHALF, took advantage of the stressful situation I was in, misled me with half-truths and took my money.
Product: Debt collection

I received notice from Ragan and Ragan regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to Ragan & Ragan on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. Ragan & Ragan continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from Ragan and Ragan which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.
Product: Checking or savings account

I recently opened an account with US Bank. My business name is XXXX XXXX XXXXXXXX XXXX  and I do business as XXXX XXXX and XXXX. Both offer the same services but one is for commercial clients and the other is residential clients. When I opened the account I supplied US bank with all of this information including the businesses articles of incorporations. After 3 months of depositing checks, US bank decided to freeze my account for supposed fraud. US bank refuses to tell me what kind of fraud was committed or release my funds. US bank has rejected incoming transactions but they took incoming deposits that were meant to cover the incoming transactions. Now US Bank has fraudulently taken my deposits and still has yet to contact me about the problem.
Product: Money transfer, virtual currency, or money service

Coinbase attempted to do a XXXX check. I questioned the link they sent. The sent another suspicious link. But it was from coinbase compliance. I provided all the information they needed. I had close to $ XXXX in the account when this all started and needed to withdraw to pay for medical bills, etc. They have had my account locked for XXXX now. I cant speak to anyone. I've used their online chat about XXXX times only to get nowhere. I cant tell if there is an active issue logged, or whether they are working to clear the account for trading. In the meantime, the account is down 50 % and I cant do anything about it. 

Please help me. All I have is a reference # : XXXX and the email from compliance, compliance-kyc @ coinbase.com. I really need assistance here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but XXXX and Equifax shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on account
Product: Debt collection

XXXX credit keeps contacting me about an account I have no knowledge of I told them to send me the original contract with my signature. Never received it
Product: Debt collection

Debt Collector calling XXXX times daily Below Voicemail left on XX/XX/year> @ XXXX XXXX. 

Agent called XXXX times daily during work hours and never left a message and XXXX message left was threatening, intimidating and shaming me on family vm - threatening message below - XXXX XXXX XXXX I'm calling today from commenity Bank I have some information that needs to be addressed with either you Or a representing attorney today Now this information has now reached a higher level here at the bank In regards to Ulta , beauty rewards XXXX XXXX need to speak with you Or your attorney or I would be left with no choice, but to resolve this matter Do you have programs available to help? Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX option XXXX Call my extension XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this is in regards to Ulta beauty it is very important. I speak with you today. I do have programs available to help. But I can't help If you continue to ignore this matter in regards to Ulta beauty Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Option one Follow by extension XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXXXXXX XXXX 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. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Report number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: Debt collection

I included XXXX in my XXXX which was discarded in XX/XX/XXXX. I received notification of and increase in my credit score had dropped XXXX points. I am in the process of trying to purchase a condo and my realtor advised me to reach out to copay " Jefferson Capital Systems no account number associated with me and when I called them XXXX and representative stated they could not locate me in their system, and I provided my SS # which is not their system and hung up. The dept was resold by XXXX in XXXX XXXX knowing this was part of my XXXX filed XX/XX/XXXX and discharged XX/XX/XXXX. I want this off my credit reporting 's and points restored.
Product: Credit card or prepaid card

I hope my complaints fell in the right categories. I had a Navy Federal Credit card opened around XXXX. I had a excellent payment history for several years straight. My problem with Navy Federal customers service they were on several occasions was applying my payments to different account that did n't belong to me. And I stayed on the phone speaking from customers and the recovery department concerning my credit card account. Once I was able to get all my receipt together and present them to Navy Federal loan officers they came to the conclusion that I did make my payments on time but they were applied to someone else account. This went on for several months until my account went into default ( dark place )
Product: Payday loan, title loan, or personal loan

We had solar panels installed in XXXX  and they used EnerBank USA to finance the installation. The loan paperwork states EnerBank will re-amortize the loan every 12 months following substantial completion of the solar installation which was in XXXX of XXXX. No actual date is included in the loan paperwork. We were promised we would be able to prepay 26 % of the loan prior to the first re-amortization resulting in a XXXX monthly payment. However, Enerbank did not notify us of the re-amoritization date so we did not get the opportunity to give them our down payment. Now they are charging us additional interest and a {$170.00} payment with no chance to put down our down payment and lower the payment until next XXXX. 

This is a deliberate, deceptive and unethical business practice. We have contacted them 3 times and placed complaints. No one even calls us back.
Product: Mortgage

I called the company to inform them of a new program FHA will be implementing by XX/XX/2024 which lowers mortgage payments by XXXX percent and brings mortgage current and keep same interest rate and they didnt look into this problem which would be good for my situations. Thanks for your time they raised my mortgage and interest rate please help
Product: Credit card or prepaid card

Capital One Credit card scam. 
I had Capital One - VISA credit card, for about 10 years, with the same address and phone number, I accumulated over XXXX XXXX credit rewards and I indicated last year to the customer service representative that I am interested in redeeming them but the Epidemic changed the plan. 
To my surprise my card was declined in earlyXX/XX/2021, and when I called the capital one I was told that there was fraud involved - they did not elaborate what - and that the account was restricted, and when I asked about the rewards they said that they are off limit until the fraud - investigation - is complete, when asked how to lift the restrictions I was asked to send my driver license 2 faces, social security card and proof of residence. suspicious of these demands I decilned and offered to take these documents to one of there Local Branches and show it to a customer service person, but they declined, to tell the truth credit card companies are the target of hackers all the time and i do not trust them with these Documents. 
they still send me e-mails and bills to my address, and today I called and asked to fix the matter but i went no where, and when i demanded that my cash reward be mailed to me in a check they declined too. 
Now I do not care about the card - I have others - but I firmly believe that they created all this problems to scam their customers out of their Sky miles and cash rewards because what will prevent them from just simply give me a credit with my rewards there has to be a law against their unreasonable requests of sensitive Documents and denial of the rewards that the customer is entitled to receive and if they did this to me i think they do it to others
Product: Credit reporting or other personal consumer reports

Disputed inaccurate and fraudulent information. XXXX Transunion, a copy of the FTC report along with my ID and my Social Security card Trans Union not only failed to investigate, they retaliated against me for disputing these items by blocking me from accessing my full credit report not only on their website but annual credit report.com.

Then, when they did show what they did, they would not give me a full report so I can see if there were any other inaccuracies on my report they gave me two clippings and that is it and both of them said account verified, but how are you going to verify a fraudulent account? It is retaliation against the law to not allow somebody to get the credit report and shut access down. This is against the law.
Product: Debt collection

CAPIO PARTNERS ADDED A COLLECTION ACCOUNT TO MY CREDIT REPORT ON XX/XX/2019 WITH THE ORIGINAL ACCOUNT BEING WITH " XXXX HOSPITAL ''. THIS DEBT IS NOT MINE, DOES NOT BELONG TO ME. 

CAPIO PARTNERS NEVER SENT ME ANY INFORMATION VIA MAIL THAT VALIDATED NOR NOTIFIED ME OF ANY DEBT. AFTER SENDING MULTIPLE LETTERS TO CAPIO PARTNERS ASKING FOR VALIDATION OF THE DEBT, I HAVE RECEIVED NO RESPONSE NOR ANY INFORMATION ABOUT THE DEBT OWED. 

THIS ACCOUNT IS NOT MINE AND CAN NOT BE VERIFIED. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AS THERE IS NO ACCURATE INFORMATION THAT HAS BEEN VERIFIED WHICH LINKS THIS ACCOUNT TO ME.
Product: Credit reporting

After a short sale on our home, a XXXX XXXX home equity loan was not forgiven. Though I tried to settle, I never received a response from XXXX XXXX. A couple of months ago, I called XXXX XXXX and was casually informed that XXXX XXXX decided to mark the loan settled in full and the balance owed is {$0.00}. However, they could not send me anything in writing confirming same. In addition, although the item is now reported as " closed '' on XXXX and XXXX, on my experian credit report it remains open, as if there is an open balance. I asked wells to fix it and they have not. I disputed the item with experian, and after an investigation was performed, the item was not changed, and remains as an open balance. This item on my experian credit report is not allowing me to get approved for a mortgage. I feel I have done all I can, but am hitting road blocks in every direction. I feel XXXX XXXX should have correctly reported this home equity line of credit as closed.
Product: Credit card

I had attempted to contact Bank of America in order to initiate a dispute for transactions regarding the merchant " dingdingding.com ''. However, the support representatives all lied to me, telling me that I could initiate the chargeback from the Bank of America app. When I tried to do so, following the instructions that they sent me, I would not be able to initiate a chargeback and was told to call customer support, who would then tell me to do the disputes from my app again. 
When I tried to initiate the disputes over the phone, the support representatives told me that they could only do 1 dispute at a time. I was on the phone for several hours with a support representative and they were only able to initiate less than 1 % of the disputes that I had requested, before I needed to hang up and do other things. This means, that I would need to spend hundreds or thousands of hours on the phone with support in order to be able to initiate the disputes. This also decreases the chances of my disputes being approved since they would be for charges that happened further in the past. It is ridiculous that this process takes so long, when it could be done in a single day at other banks.
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 identity theft. 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 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX  XXXX Balance : {$46000.00} XXXX XXXX  XXXX Balance : {$94000.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.