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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After trying to resolve this issue numerous times with Equifax. I submitted a CFPB complaint # XXXX. In response to the complaint Equifax stated that the disputed account is not listed on my credit report. That is a lie. I have a attached the copy of dispute results that equifax sent me showing the account listed and saying they " verified '' it. I am not sure how this is possible since I provided them with my forbearance letter from XXXX as well as a credit reference letter from XXXX XXXX stating my account has been 0 days delinquent. Equifax has failed to properly investigate at a consumer request, has not corrected inaccurate information despite being provided proof of the inaccuracy, and they made false claims in an official CFPB complaint. I have again attached my forbearance letter, credit reference letter, and my equifax report providing proof of the inaccurate account. All of these things are violation of the FCRA by Equifax.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Adavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an OTHER account opened at XXXX XXXX XXXX XXXX XXXX  XXXX on XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX BANK on XXXX under the account number XXXX, a charge account opened at XXXX XXXX on XXXX under the account number XXXX, and a credit card account opened at XXXX BANK on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Today is XXXX XXXX. This has been a long process and I have a very nice representative help me a least get access back to online backing for my personal card. I hate to write this because I love Capital One but this is a security issue. 

I have a Spark Business Capital One checking and savings account through Capital One. I also have a personal Capital One Venture Credit Card through them. I had separate login for the personal Venture Credit Card from my Spark Business account. I had an issue with the Venture online login and called and they said they now are linking all Capital One accounts whether they are business or personal - their team said they would un-enroll me then I can re-enroll to have my own login for my personal account and my business account. I tried to re-enroll for online access and it would not let me sign up. I called back and the rep said he would look into this and call me back. That was a week ago. So tonight I called and spoke with a nice lady, I was on the phone for 1.5 hours before I was able to access my personal Venture account again.

Time after time, I was told that I would have one login for my business and personal accounts with Capital One. THIS IS A SECURITY ISSUE for I have employees who have access to my business account for bookkeeping and accounting reasons - AND NOW THEY HAVE ACCESS TO MY PERSONAL ACCOUNT. Every time, I was told this is what customers requested and there is no way around it. You have one login for all accounts whether they are personal or business related.

So this nice lady, finally helped me get re-enrolled for my personal Venture Capital One card. She helped me have the username I wanted. We get off the phone, I go and try to log into my business Spark Capital One card and now the business username I previously had does n't work. It is now the same login as my personal Venture Capital One online banking.

THIS IS A SECURITY THREAT FOR NOW MY EMPLOYEES FOR MY BUSINESS HAVE THE LOGIN INFORMATION FOR MY PERSONAL FINANCES. CAPITAL ONE MAKES IT KNOWN TO ANYONE THAT THEY ARE HAVING ONE LOGIN FOR ALL ACCOUNTS. They say there is not other way to have separate logins.
Product: Credit card

XXXX XXXX  said I had late payments XXXX XXXX said I had late payments XXXX XXXX was paid off and then another company brought them. 
XXXX  XXXX had my account on restricted and I paid the account in full than closed 2 accounts. 
Best Buy / citi bank said I had lates and I paid in full XXXX  incorrect amount I paid in full by check XXXX XXXX billed incorrect I paid in full by check XXXXXXXX XXXX XXXX inquiries need to be removed I never brought a car XXXX XXXX need to be removed never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. XXXX, XXXX, Equifax and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.
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 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 XXXXXX/XX/year>
Product: Bank account or service

I have multiple checking accounts with M & T bank and have had accounts there since I first opened an account with a local bank as a child. The bank was bought several times and has been M & T for many years at this point. I am aware that they have an excessive fee structure, so I take painstaking steps to avoid any kind of possible fees including keeping the bulk of my funds in credit unions and online accounts such as XXXX XXXX in order to avoid their extensive ATM fees and lousy savings account interest rates. I have even opened up lines of credit for almost every checking account I have with them in order to avoid overdraft fees. I basically only deposit enough money in my M & T account to pay my monthly bills via web bill pay and checks. Their web bill pay is the only financial service of value to me. Their rates and service for loans, credit cards, etc are so poor that I never even consider them when shopping for other financial products such as a vehicle loan. 
This week I happened to overdraft my account by {$1.00}. Fortunately I have a line of credit attached to the account so they did me a huge favor of transferring {$1.00} from that line instead of charging me the typical $ XXXX dollars for an overdraft. I watch my accounts constantly via XXXX so, seeing the transfer, I logged on the following day and transferred some money from XXXX of my other accounts ( I had over {$1000.00} on deposit with the institution at the time ) and then transferred the {$1.00} back to the line. For the service of providing me the {$1.00} for less than XXXX hrs, they decided to charge me {$12.00}. I work next to an M & T and have a great relationship with the manager, but as I 've learned from previous experience, the branches have no control over fees associated with the automated system, so I figured I would just call their customer service line and discuss this with someone there since they have effectively removed customer service from the branches. I discussed the situation with the customer service person who also had no ability to do anything at all. I understand the policy, I know what the fee is, and honestly I would care less about paying {$12.00} if they had to advance even {$50.00} on my behalf. But to have no money at all of their own at risk and to charge 833 % percent does not seem at all reasonable. I know it is within their rights per the agreement of use or whatever miscellaneous fine print I had to agree to in order to use web banking, overdraft lines of credit etc, but this is extremely usurious and many of their clients do n't have the means to absorb these kinds of fees routinely. If I could find an institution with equal web banking capabilities, I would close all of my accounts tomorrow.
Product: Credit card or prepaid card

I have a chase Ink business credit card. 
Opened this account XX/XX/XXXX. 

When the pandemic hit, we went through hardship and my wife and I were on unemployment. We were receiving money from unemployment. This was used to survive during XXXX. 

So we could not pay as we would have wanted to. So Chase closed the account. I have had a long history with Chase bank and this is the first card that has been like this because of situations outside of my control. 

So because we could not pay, we deferred payment and had many late payments on my credit record. 

We sold our house for extra short term income in XXXX and paid a lump sum to the card through those proceeds on XX/XX/XXXX. 
I paid {$8100.00} on XX/XX/XXXX to the card. 

My wife and I have started our own businesses to try and make ends meet from the proceeds of our house sale. The reason there was a gap between when we sold and when we paid the card was because survival was our focus. 

I called XX/XX/XXXX to chase to see if there was anything that could be done to remove the late payments from my credit records but Chase said nothing could be done. In order for me to continue to do business and expand, I would need credit cards but because of this, I am not able to open or qualify for a business credit card. 

I have the funds to pay it off now but wanted help. what would be the amount i would need to pay if they accept so that they could remove all the late payments on my reports?
Product: Student loan

XXXX  In XXXX I started repaying my XXXX student loans. XXXX was extremely difficult work with in terms of getting help on repaying loans. After hours on the phone I entered into an income - driven repayment plan request. XXXX than on XX/XX/XXXX changed the terms of the loan. On XX/XX/XXXX my deferment was approved because XXXX terms or repayment plans could not get me below {$300.00} a month. I got another email about more loans on XX/XX/XXXX I combined and got another deferment. On XX/XX/XXXX my deferment ended. The US dept of Education assigned XXXX again to my loans in another email on XX/XX/XXXX. My loan payment terms were changed again on XX/XX/XXXX to {$360.00} a month. Instead of helping me find a more affordable option while I was on XXXX XXXX they suggested I did forbearance. I feel like the company made it so hard. I had to pay all or nothing. I would have loved to been able to make just {$100.00} payments each month but XXXX said that they repayment options didn't allow that and that my loan would be considered delinquent if the entire amount wasn't paid.
Product: Mortgage

XX/XX/2021 I applied for refinance and it was approved and I was told the next 2 months do not pay. I signed papers over the Internet. The following month I was told that I had missed a payment and I need to do a modification and then I had to make 3 consecutive payments with out missing a month in between. After that they approved my refinance after that and I change to a 3.0 % but it does shows on my credit report as missing a payment. I have been trying to switch loan company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 we recieved an email stating a check we mailed was not received and that we needed to wire the funds. Knowing we needed to get the work done, we wired them XXXX {$90000.00} ). We called 4 hours later to make sure that they had received the wire. They in fact had received the check and did not request the wire. We called our bank XXXX XXXX XXXX immediately to get the funds back. They called Lending Club, the bank we wired to in hopes to get them to stop the funds from going to the person who fraudulently emailed us. Our Bank 's Operations Security Manager was told they needed to talk to us ( and so I called, requested to speak to the fraud department. They would never send me to the fraud department. When I talked to the FBI agent assigned to this issue and she suggested I call again and ask for XXXX in the Fraud department. I called on XX/XX/2021. I was never transferred to the fraud department nor to XXXX. I had to beg them to write down the information regarding the wire to get it stopped. I was promised a phone call by the end of business that day. I gave them my cell phone number so that I didn't miss it and I have yet to get a call back. Our bank is still getting the run around too.
Product: Student loan

Aidvantage apparently holds a XXXX XXXX student loan with myself as the co-signer. I say apparently because I can not log on to their site to get information. When I enter either my information or my sons, their site states that there is no account. Yet I continue to receive emails from them stating that my account is past due. 

The studentaid.gov site lists no XXXX XXXX loans through Aidvantage. 

My credit report lists a loan with Aidvantage. It is in the amount of {$18000.00} and states the payment status is current. It claims that the loan is more than XXXX XXXX XXXX and the original loan amount was {$12000.00}. If I was making payments on a loan for 9 years, how could I owe {$5000.00} more than what I borrowed.
Product: Checking or savings account

I submitted a CLAIM with chime and they are required to give you your money back after 90 days which its going on 100 and they want to keep lying saying they escalated the case or whatever and cant give me my money back until then if your app says a certain amount of days and its in your policy you are required to do so by then not after not when you please because your lazy and dont want to do your job. Ive called over 30 times regarding it and they say the same thing each time the managers are unprofessional and useless because they give you the same information as a entry level person they also lost my taxes or never got the deposit yet Ive had multiple payments sent to that account before and all of a sudden they dont receive anything. The managers dont try to help theyre rude as XXXX and unprofessional as XXXX and keep wanting me to wait 3 business days yet Ive been told that for 2 weeks and still have not received my money back.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

I want reported accounts removed : Hard Inquiries, " XXXX - XX/XX/XXXX '' XXXX  XXXX  : Reported on XX/XX/XXXX, ( these reports were reported from previously closed accounts from XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I redeemed accumulated Reward points with Paypal-XXXX for XXXX XXXX XXXX on XX/XX/2023. Their website stated that e-gift cards would arrive within 48 hours. 
The gift cards never arrived. I contacted XXXX on XX/XX/XXXX asking when the gift cards would be sent. It took XXXX 5 days to respond stating they would resend them. after a week I contacted PayPal since they own XXXX. They stated they had no record of me being a customer ( I have a PayPal account in addition to the XXXX account ). Via online chat I interacted with PayPal over a 6 day period, was transferred to their reward depart 3 times only to be told they could not help and was redirected to XXXX. 
I again contacted Honey who told me the gift cards were sent but must have been hung up in the email providers spam filter ( unlikely since I review flagged spam emails daily ) At this point I simply want the {$130.00} worth of XXXX XXXX cards or the cash equivalent. I had hoped to use the gift cards to purchase Holiday gifts but obviously that did not occur. 

Paypal seems to be struggling with Customer Service and Rewards Management. I wonder how many other customers were defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/17 I mailed a letter to the company asking them to remove an inquiry from my report because I am sure that I did not authorize it. I mailed it to the address the company provided to the Credit Bureau that they pulled the inquiry from. USPS returned the letter to me with a sticker attached that read, " Return to Sender - Attempted not known -unable to forward ''. This means that the company is not providing the credit bureau or consumers with an accurate address in which to inquire about or dispute information inaccurately being reported. This is completely unfair to the consumer and a clear violation of my consumer rights. 

I have attached a copy of the envelope with the notification from the postal service, a copy of the letter sent inside, and a copy of the address reported to the bureau, pulled directly from the report provided to me.
Product: Debt collection

Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1100.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 there was two unauthorized charges on my account one for XXXX and one for XXXX on XX/XX/2023. I noticed these transactions were not authorized so I contacted my bank to submit a claim today on XX/XX/2023. I received back that my claim was denied. These purchases were not authorized by me so I would like to get this fixed.
Product: Debt collection

I have try many times to get a hold of the fraud department in this collection. I have never had a credit card with this company before. I have been a Victim of Identity Theft and I'm not getting no were with them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX account number XXXX. I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, [ Name of Credit Reporting Agency ], block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX