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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Reports Dear XXXX XXXX XXXX, Equifax Information Services LLC, and XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. XXXX is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

The Promissory Note I signed in XXXX was a one time consolidation loan, not an MPN Promissory Note. That was my error in the information submitted in the complaint. Again an MPN can only add loans to it for 10 years. The 10 years were past by 5 months in XXXX of XXXX. The Promissory Note to be legal was required to list a specified time aka standard repayment schedule, it does not. There is no such US legal Valid Promissory Note pay till you die unless it is with the XXXX of which I am beginning to suspect is the situation. The Promissory Note expired in XXXX per the Department of Education advisor I spoke with. ACS and XXXX had no legal grounds to resurrect and consolidate, XXXX cancelled, never dispersed, XXXX dollar value XXXX XXXX XXXX to my XXXX account, that weren't part of the original one consolidation loan in XXXX because they didn't exist after XXXX, that is illegal. Again confirming the XXXX connection with the XXXX Servicers. The Promissory Note Per the Department of Education was invalid in XXXX of XXXX and by US Law and Department of Education Policy should have been closed by ACS.

Contact the Department of Education they will tell you they are the loan holders of my XXXX. Not the XXXX XXXX XXXX Servicers and their banking cohorts!
Product: Credit card or prepaid card

I hired XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX, XXXX to represent me in a XXXX XXXX case on XX/XX/XXXX I spoke with XXXX XXXX and XXXX XXXX , I signed a retainer and an advance fee of {$2600.00} in which rates where stated. I asked for a bill to keep track of expenses from the start. No work was done whatsoever, no fillings or drafts, meeting or motions or minute order etc as they had not received or gained access to case file to begin and be able to do so. Then they send me an improper, fraudulent surprise over-billing, and breach of contract. Charging me {$4000.00} with a balance {$1400.00} for not doing anything and also not according to the rates specified in the retainer but double the rates specified price. I fired them immediately thru written email. And they don't want to return my money. They have not provided service and want to steal and defraud me of my hard earned money. I have contacted Wells Fargo Visa credit card dispute service in order to proceed with a charge back. I have submitted all proof and evidence in order to prove the charge was invalid because no service was rendered and should be charged back. I contacted executive office with senior escalation representative XXXX XXXX. There not communicating and ignoring in assisting me with status of dispute, and also are not giving me a fair hearing by disregarding the fact that the merchant has to provide evidence as the burden of proof falls on the merchant. they must provide evidence showing that the dispute charge is valid. They did not provide proof to Wells Fargo they only submitted a letter claiming they did work stating they filed paperwork in the courts which they did not and I submitted proof of that as well and they submitted a bill that they redrafted for the 4th time which I also submitted all their fraudulent bills to Wells Fargo Dispute department. I have tried all available avenues to resolve this matter but both The merchant and Wells Fargo dispute services are not responding, gas lighting me as well as infringing on my rights as a consumer he Fair Credit Billing Act of 1974 and The Electronic Funds Transfer Act of 1978. They must give me a fair hearing as the merchant has not provided or submitted any proof to support their claims and their bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquires on my credit that i didnt allow on my credit. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, XXXX, and the last activity date is XXXX XXXX, XXXX, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, XXXX, and the last activity date is XXXX XXXX, XXXX, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, XXXX, and the last activity date is XXXX XXXX, XXXX, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

These discrepancies fail to meet the standard of maximum possible accuracy as required by law. 

Please investigate this matter and provide a written confirmation of the actions taken. If no action is taken, I may escalate this matter further with additional legal remedies.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

been a victim of an stolen interest promised by this kind of financial institution Rep. by phone on XX/XX/XXXX. Since Wells fargo bought Wachovia, problems began with the interest in my accounts,. the CD account was renew on XX/XX/XXXX by a phone call wellsfargo Rep promised me with higher interest in the market APY of XXXX and when I received the maturity date for XXXX moths holding {$60.00} I received only {$1500.00} ( XXXX ), Then a Rep. from board of directors increased to APY XXXX which is not enough to cover my lost of the APY XXXX promised, I called and the assistant told me i was at XXXX APY not the XXXX as I received in the offer when renew it, also my money market saving with more than XXXX since XXXX they only pay me {$1.00} ( XXXX ) so I think how this is happen and there is no control at all of this kind of misleading activity, if {$1000.00} credit loan is p to XXXX APY by any creditors institutions including wells Fargo Bank N.A promoting in their locations and website a Platinum saving with {$10000.00} at XXXX XXXX ( Pictures attached ), I tried unfortunately to be in contact with the case manager ( XXXX XXXX and others at XXXX XXXX XXXX XXXX ) to adjust my money saving account with this XXXX advertized. I need your assistant in other to recover all my money lost and stolen from this kind of financial institution and help others in my same situation.Wells Fargo XXXX, XXXX they know my cases, i sick and tire calling different Reps several times in other to resolve this big problem in good faith but no answer or returning call. I expecting your prompt assistant and resolution in this important matter to stop this kind of misleading with my retirement funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 15 USC 1681 b ( 1 ) the credit bureaus dont have no written permission 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) States- no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681 section 2 ( a ) ( i ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is accurate.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold the accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX I XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructi
Product: Credit card

I flew into XXXX XXXX XXXX in the XXXX XXXX on XX/XX/year> and landed at XXXX local time. I took a taxi from the airport to my XXXX which is about a XXXX minute car ride away. When I reached my XXXX, the taxi guy showed me XXXX XXXX XXXX on the credit card machine, which I happily accepted. After the charge was complete, I asked for a receipt, in which he claimed his machine couldn't produce a receipt and got in his car and left. 

The next morning, I checked my credit card and realized he charged me XXXX XXXX XXXX which is {$600.00}. I called my credit card company, Capital One and they canceled the credit card and issued me a refund. However, after a few days, Capital One reversed the credit and stated that upon investigating, I will need to produce a receipt and work with the merchant for a refund. 

I presented Capital One with my flight ticket, XXXX confirmation and address, XXXX timeline, and XXXX estimate of the cost from the airport to my XXXX. I wrote them a letter informing them of the situation and there was no way I could get a receipt because it was a fraudulent charge and he refused to give me one. I even have my XXXX receptionist try to call the merchant company and cant locate the company in XXXX. 

After speaking with Capital One for a few days, I felt that their request was unreasonable because they are asking for a receipt and asking me to work with the merchant even explaining my situation. But even if I can produce a receipt, it will have the incorrect amount on there. I felt that they wanted me to accept the charge even though their company guaranteed a XXXX liability claim.
Product: Credit card

On XX/XX/XXXX I took a {$200.00}. cash advance from my Capital One Master Credit Card. I made extra payments to cover it XX/XX/XXXX. My last statement dated XX/XX/XXXX has a cash balance of {$1300.00} in addition to my purchase balance how can this be I never missed a payment on my card. No other cash advances were made on my account since the {$200.00}. in XX/XX/XXXX. How can my cash advance of {$200.00}, in XX/XX/XXXX carry a balance of {$1300.00} in XX/XX/XXXX after making regular monthly payments on my account since XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  I asked the credit bureaus to remove all these negative items off my report they would not. They said there is no way to delete them off my record. These debts are not mine and have had a very negative impact on my life. I can't live a normal life I even believe that the bureaus leaked my personal information, for accounts to be opened as act of fraud on my account. They even allowed my personal private information to be reported without my consent. I have addresses that are wrong. So, these things have made more negativity in my life because I can't even buy anything because all these company decline my access to my unlimited credit. none of these debts have even been Valid and they also have been sold over and over again. All three credit bureaus also are even reporting different information 's. UCC 9-506 Seriously misleading. All negative items need to be removed. 15 U.S Code 1611 Identity fraud.
Product: Credit reporting or other personal consumer reports

I am a consumer person fully aware of my rights protected by Congress under the Fair Credit Reporting Act. I am in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the account XXXX XXXXXXXX XXXX XXXX C/O XXXX XXXX XXXX.the provision of 15 USC 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions.I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and that the necessary actions will e taken to rectify the inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting the removal of certain accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : 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  - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are also associated with this breach and should be deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Mortgage

I accidentally made an over payment on XX/XX/2020. I called them right away on XX/XX/XXXX and was told they would refund the money and I would have it in 5 business days. Those days came and went. I have called every single day since XX/XX/XXXX for help on this. It takes about 27 minutes on average to reach customer service. From there they tell me they are going to speak to someone on my behalf. They put me on hold for an average of another 10 minutes. Then someone else comes on the line who has no idea what my issue is. Then they either accidentally ( wink wink ) hang up on me or they transfer me to someone else, and the merry-go-round continues. All I want to klnow is when if ever will I get a refund of my overpayment? They dont call me back ( Ive left 7 voicemails on their customer service line ) and their employees just fling my problem and request from one office to another. This has been the most horrific experience Ive ever had in my entire life with a company. It makes me physically ill that this is the company who owns my mortgage loan. When will I get the refund? I am overdrawn in my account now. When will I get communication? Its been 10 days with this issue. When will I get a call back on my 7 voicemails? When will I get someone, ANYONE, who cares about my situation??? I am at my wits end!!!!!!!!!!!!!!!!!!!!!! I am a veteran with a veteran home loan and this treatment isn't dignified for me or anyone else!!!!!!!!!!!
Product: Credit card

I have a Capital One Platinum card and I got an email saying I had a payment returned that I had made over XXXX weeks previously I made the payment of {$39.00} on XX/XX/XXXX but it hard posted to my bank account on XX/XX/XXXX. 
On XX/XX/XXXX I called them and asked them why they said I had a returned payment and they said that I had requested a stop payment. ( I had not ) so we ( Me and a supervisor ) did a three way call with my bank where by bank confirmed that the money was pulled from my account and I did not place a stop or anything on it. 
They said they had to do an investigation into this matter. fine whatever. 
I check my capital one account yesterday XX/XX/XXXX and it says my account has been restricted. 
I called capital one and they said they are closing my account due to too many returned payments. ( The agent : his name was XXXX. said I had several returned payments ) When I pointed out that I had an investigation going on for this reason XXXX said it was the fact that I had XXXX other return payments. I said okay but XXXX is not several. 
XXXX was extremely rude and kept putting me on hold and refused to help me or clarify what that meant. I asked him if that was in my terms and conditions and did I agree to that? And he said yes and I asked him to show me where and he refused. He said he didn't want to read my terms and conditions to me. When I asked why he said it was because he didn't want to. I just wanted to know where it said that they could close my account for X, Y and Z reasons. He wouldn't, he said he didn't have to do anything to help me and kept putting me on hold hoping I would just hang up. 
How can they close my account for return payments when I have an investigation going and then also refuse to show me my terms and conditions?
Product: Credit reporting

Equifax is reporting a " pending '' judgement ( XXXX. XXXX XXXX Texas ). This error was also showing up on XXXX and XXXX, however after I mailed them and pointed it out they deleted it. Equifax says they " verified '' the information. I have contacted the clerk of the court and was assured that no one from any credit bureau had been in touch with them nor did they ever report this in the first place. 
This was settled before court. There never was a judgement. It is not pending since 2008 as Equifax is reporting.