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

This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. XXXX responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. Equifax responded that item was removed and not currently reporting on credit file. 

How is it that Equifax wasn't able to verify that the report was accurate but XXXX claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, Equifax stated that they removed the accounts and not currently reporting but somehow, they are still reported on Equifax report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inaccurate information on my Equifax credit report, which I originally reported to Equifax on XX/XX/XXXX The account XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$260.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$170.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$790.00} ) is not mine. Please remove it from my credit report. 

The account XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXXXXXX XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00} ) is not mine. Please remove it from my credit report. 

The account XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX  XXXX XXXX XXXX XXXX ) is not mine. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXL 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681Section 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans should show paid in full!! I have contacted several credit bureaus and the student loan company it has yet to change!
Product: Debt collection

Radius global solutions continue to harass and contact about a credit card debt that was opened fraudulently as a result of identity theft. I have reached out to Radius Global solutions several times via phone and email to inform them that this credit card debt was the the result of identity theft and they continue to write me demanding that I pay this theft. 

I have attached proof of my attempt to communicate with them via email on XX/XX/XXXX, informing them of the identity theft and attached MY FTC report and my PII documents to that email.
Product: Checking or savings account

I went to Wells Fargo in XXXX XXXX XXXX Al, XXXX almost a year ago & opened a CD but clearly asked my CD money be deposited in my Money market account after expiration date, like in other banks ( XXXX, .. ) but agent did not know how to do that. He promised me to look into it & find a way. I did not hear from him, I left messages but when it expired bank renewed the CD & lowered the interest rate to half rate without informing me about cutting the rate. Then I get an ad email from well F they are offering 4.75 % to people while a XXXX XXXX XXXX customer like me is getting 2 %. It is stealing money & not fair. I cant even touch the money without penalty now. I think all Banks should give customers the option for automatic transfer to CD money to a checking or MM account if that is what the customer wishes. I think Wells Fargo purposely does not want that rule so it can freeze & use ( elderly or busy ) peoples money at a cheap rate very conveniently.
Product: Credit reporting or other personal consumer reports

Under, XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency. 
ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( l ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I was not notified of the reinsertion of these previously deleted items within a XXXX business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report. 
Accounts : XXXX XXXX  XXXX - This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit card

On XX/XX/XXXX, I applied for Amex XXXX credit card online and before I submitted application, I called Amex customer representative to confirm whether I will have welcome bonus. The representative said I will get XXXX bonus points if I spent {$8000.00} within 6 months as long as I don't have or have opened the Amex XXXX credit card. Since I've never owned such card, I am eligible for such welcome offer per the said terms, so I accepted the card application. I received the card a few days later and started to spend on the card for my upcoming trip. However, on XX/XX/XXXX, I realized I didn't see the welcome offer indicated anywhere in the welcome package when I received the card, so I messaged Amex in the app, and was shockingly told that I am not eligible for any welcome offer. I told them that's not what I heard when I applied, and I wouldn't have applied for the card if they had told me I would not get any welcome offer. The representative said they will investigate into this, but I never heard it back. 

On XXXX, I wanted to follow up with Amex, so I messaged them again and called them as well, but was told the same thing - no welcome offer. I asked the representative to file a compliant internally but again never heard it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an hard inquiry on my credit report on XX/XX/XXXX. XXXX for a gas card with Shell/cbna. I did not apply for a shell card XX/XX/XXXX. I called them at this number ( XXXX ) XXXX to dispute the hard inquiry and wanted it taken off my credit report. They told me to contact you at XXXX. I did and got sent here. 
I did not apply for a card with them XX/XX/XXXX and all I wanted was this hard inquiry off my credit report.
Product: Mortgage

Company = Continental Mortgage Bankers INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried very had to lock the rate in XX/XX/2022 XXXX week when the rate was XXXX XXXX, however the Loan XXXX XXXX XXXX at Financial Equities XXXX was unreachable and never provided clarity. 
When the close was scheduled on XX/XX/2022, he offered XXXX XXXX rate with some buy down points. And claimed that this is the best, no explanation. Again unreachable, he used to fwd phone msgs, wothout direct talking or clarification. 

Hence, I was sold a loan with interest rate XXXX XXXX higher what I could have got, when I wanted to XXXX. At the closing day, the closing attorney of bank made me sign back-dated ( XX/XX/2022 ) document I was made to sign at closing XX/XX/2022. This document states that rate is yet to be determined. On questioning this issue, at closing, XXXX XXXX was not available nor his office. Closing Attorney representing the Bank said he can not do anything here. 
So only choice for me was to sign the back-dated old document or NOT close. 

XXXX XXXX at Financial Equities, gives big promises in the loan application process, however once the process starts and time comes to lock rate and closing arrives, he would be not reachable via phone/email. He will provide a high interest rate and obligate to buy down discount points. Will not entertain market fluctuation of change, previously promised. Mandates to sign back dated document at closing or can not close. There is no alternate manager or contact at Financial Equities who can help. No one at closing department or any departments at Financial Equities will respond, unless they need documents from the applicant. In any case the loan will be sold to a large bank or financial institution before 1st loan payment. 

XXXX XXXX also made excuses of unavailability with no alternate contacts by saiying XXXX XXXX XXXX, when the office/underwritter/loan-assistants was unaware of such an issue. He makes some imposer call from unidentified number called XXXX XXXX who just tries to talk non-sense and justifies the wrong doings during the process. 

This feels like harrassment. 

Horrible experience, waste of Time and efforts, very stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is something Ive been dealing with with over a month all started XX/XX/XXXX when I had a dispute and the card company reported me negatively and I drop my credit 20 whole points it was not supposed to happen Ive been pussyfooting around with us you could see what day it is now and I complain against credit card company and XXXX XXXX and that seem to get fixed pretty quickly but now I have XXXX XXXX  that is dragging its feet your government agency you should be totally on top of this and I keep getting jerked around with the credit card company and nobody seems to be behind the wheel of this massive runaway train we The people call a country
Product: Credit card

First of all my previous complaint which is directly related to this complaint is : COMPLAINT ID XXXX If you'd kindly look at my previous complaint that your organization greatly helped me with, it will shed light on this complaint. 

I did finally receive my payment of {$370.00} from XXXX which they have been holding since XXXX of last year. The {$370.00} should have been transferred directly to the Captial One Account since they assumed the XXXX  Account that I've had for many years... they did not. Many times throughout the past 8 months I have contacted Captial Bank to have the late fees and interest removed. Captial Bank graciously removed the late fees and interest to afford me more time to work with XXXX who said they would send me the check and did not. After finally receiving the check dated XX/XX/XXXX  for {$370.00} from XXXX, I immediately cashed it. Today I called Captial Bank to finally pay off my bill that I actually paid 8 months ago and move forward. After talking to Capital Bank 's Account Manager, she refused to once again eliminate the late fee charge of {$39.00} with my condition that I would immediately pay the balance of {$370.00}. Again, she refused even though they had removed the fees in the past. Included in my complaint will be a photograph of the check I received on XX/XX/. Please help me remove the {$39.00}. I pay all of my bills on time if not early and I am in awe of how the credit card companies do so little to help you when it is their mistake.
Product: Student loan

In XXXX, my husband and I consolidated our student loans, otherwise known as spousal consolidation. At that time our combined loan balance was {$110000.00} with an 8 % interest rate. Today, despite paying a total of {$130000.00}, our balance is {$220000.00} and growing. Although we both have the required amount of payments as educators, we are excluded from the Public Servant Loan Forgiveness program, because of the spousal consolidation. Additionally, our balance continues to grow because of outrageous capitalized interest rules under the income based repayment plan which is intended to support borrowers with manageable payments. When we are in our XXXXs and set to retire, that inflated balance driven up by predatory interest will become taxable income under the XXXX plan. At that time we will have likely paid our loans back twice over, but the balance will be close to {$300000.00}. In no other industry would it be ethical to collect five times what was borrowed. We have spoken to our loan servicer many times and have been encouraged over the phone and via written communication to apply for PSLF, however we continue to not qualify because our loans are in spousal consolidation. We have attempted to convert them to a direct loan, but that is impossible under the law. In XXXX we were led to believe that we were being financially responsible by consolidating our loans, but it has turned out to be a discriminatory and predatory step that was allowed by the government for a short time. Spousal consolidations were ended in XXXX with no way to detangle and with no inclusion for loan forgiveness options offered to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  and XXXX XXXX XXXX listed on my account credit report that I currently have no knowledge of. This was a result of malpractice.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which thev spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Credit reporting or other personal consumer reports

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, ( Equifax, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Without Prejudice, All Natural Inalienable Rights
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 34 financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

My father and I both have been members of USAA, for over 25 years. Approx.. 2 years ago my father recognized his inability to care for himself and manage his responsibilities and chose to come live with me. In exchange for his living with me and my providing full-time care, we agreed to live off his retirement. I was made his power of attorney and also the executor of his estate. 
My father 's XXXX became progressively worse. His XXXX became prominent. 
In mid XXXX ( 2015 ), while attending to his bills by phone with USAA, they told me that he had " revoked '' the POA. My father never informed anyone of this. Unfortunately, XXXX XXXX, 2015, my father passed away. I do know that my father 's attorney stated that he could not make any changes to POA, as my father was now out of state. And, POA 's need to be changed through an attorney, witnessed. A USAA representative, XXXX XXXX, claims that he could and he did accept my father 's request to revoke the POA over the phone. XXXX XXXX also claims that my father informed him that he was not responsible for any debt in his name, and that I had created his debt without his permission and was using his credit cards without his permission. None of this is true. Without ever contacting me in regards to any of this, USAA, began closing my accounts. 
I was initially told by XXXX XXXX, that if someone could corroborate my claims, things could be reversed. My brother, did speak with XXXX XXXX, but nothing changed. Then XXXX XXXX, assured me a letter from my father 's physician would reverse the actions. XXXX XXXX, and USAA have been provided such a letter. They do not confirm receiving the letter much less take any action regarding repairing the damage. They refuse to discuss anything with me. I live out of country at this time, and I have no way to open new accounts else where, for banking, insurance, investments, etc. Not to mention all of my bills are now behind, and considered past due. I am sickened by all this, not to mention it is in the middle of mourning the death of my father. I have been a good standing member of USAA for over 25 years, and now this. Please Help.