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

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update the unverifiable accounts below : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$65.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$770.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$340.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1200.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$530.00}.
Product: Student loan

I am filing an urgent complaint regarding my Sallie Mae student loan account. Someone elses personal information was added to my account without my consent. When I reported the issue, my account was locked for investigation, and my in-school payment status was removed, despite being an active student. As a result, regular payments were deducted without my knowledge or any correspondence from Sallie Mae. 
I have followed every step they instructed me to takesubmitting school verification, making calls, and repeatedly trying to regain account accessbut the issue remains unresolved. Despite this, they continue to contact me about late payments. I have no way to verify whether the payments I am making are being credited to my student loan account or someone elses. Additionally, I do not know whether my personal information was added to another persons account. 
The only information that is correctly associated with the account is my bank account detailseverything else belongs to someone else. Sallie Mae confirmed that payment confirmation emails were being sent to the individual whose information was added to my account. When I asked them to fix this, they claimed there was no way to ensure that I would receive them instead. This means that someone else is receiving my payment details while I remain financially responsible for transactions I can not track. 
Furthermore, a real person ( not an automated system ) has been calling my cosigners, falsely claiming that they must submit a paymentdespite the fact that the payment was already scheduled and processedto avoid being reported to credit bureaus. When I confronted Sallie Mae about this, they assured me they would put a note on my account to stop these calls. However, less than five minutes after I hung up, my cosigner received another phone call ( again, from a real person ) and an email threatening further action if the payment wasnt madedespite it already being scheduled during the call. 
Even worse, Sallie Mae has refused to allow me to remove my bank account details while they claim to be working on fixing the issue, leaving me financially vulnerable. XXXX advised me to stop payments until the issue is resolved, but I continue to receive overdue notices and threats of credit bureau reporting. 
Sallie Maes failure to correct this problem, which has persisted since XXXX, raises serious concerns about data security, deceptive business practices, and account mismanagement. 
I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
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

XX/XX/XXXX I checked online with XXXX  XXXX for my account balance which reflected a payoff of {$13000.00} XX/XX/XXXX I Refi with XXXX XXXX for {$13000.00} XX/XX/XXXX I kept checking my online account which still showed my account and balance for my loan with XXXX. Since my XXXX XXXX was coming Due and I liked to pay by the XXXX to ensure it was not late. I made a {$600.00} payment and figured it would just be refunded back to me since this payment and the refi amount was over the payoff balance. 
XX/XX/XXXX Since my account was not closed, I made a payment of {$600.00} XX/XX/XXXX Received Check # XXXX dated XX/XX/XXXX from XXXX for {$580.00} the XXXX refund because my account was closed. 
XX/XX/XXXX Unable to view any account information since account was closed XX/XX/XXXX @ XXXX I called and wanted to know why I only received {$580.00} and not the extra {$600.00} over payment I made since the original payoff and the refi amount was correct. 
I was told that XXXX received the refi check closing the account and back dated the close date as a courtesy since it took XXXX a couple days to process this payment. Since the account was closed the payment that I made was not posted to my account since it was closed. I was told by Affinity that the payment I made was just being held and that I needed to contact my bank and pull the payment back. 
XX/XX/XXXX I opened an ACH dispute with XXXX and they credited my account for {$600.00} XX/XX/XXXX At the end of the month I received notice that XXXX XXXX advises the title transfer was completed. 
XX/XX/XXXX I receive first and only notification that my account was delinquent and I needed to pay or my vehicle would be up for repossession by XXXX. 
XX/XX/XXXX my credit alerts show XXXX reporting my account past due 30 days. 
XX/XX/XXXX called and spoke with Customer service and she adv she would send this to loan servicing dept. 
XX/XX/XXXX A couple hours later I received a {$600.00} deposit to XXXX checking account XX/XX/XXXX I spoke with XXXX in loan servicing and she cancelled all fees and interest and closed out account after receiving the {$600.00} wire transfer from XXXX XXXX  XXXX. 
XX/XX/XXXX Several Wire XXXX did not work since I did not have correct routing information from XXXX, I will be sending personal check by Mail XX/XX/XXXX Check # XXXX Received by XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX I found out someone opened a online checking and savings account in my name through Wells Fargo..I immediately contacted them..went through the whole fraud process and was told the accounts were frozen then ultimately closed.. But today XX/XX/XXXX I receive a text alert from Wells Fargo that my card with them is frozen due to suspicious activity and to click the link to resolve the problem..I do not have a account with them..so either they never closed the account i initially reported like they claimed or they allowed someone else to open yet another online account in my name not even a couple months after going through their fraud procedure..I called today but its a holiday and was told to call back monday..i am beyond sick and tired of Wells Fargo!! I have never done business with this Bank besides having my identity stolen through them..my name is a very unusual name which is even more concerning..please help me..they are just allowing this to happen!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX minutes ago ) to XXXX XXXX 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 Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX I want the CFPB to publish this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 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, Equifax 's 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers. These are the accounts that I have marked as inaccurate 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, PORTFOLIO RECOV ASSOC add a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

A Sears worker tricked me into applying for a credit card on XXXX XXXX 2016. I was not interested but they persisted and now it ruined my credit. I need the inquiry removed. They were not clear that it was a credit card and were very pushy.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by XXXX, Experian, and XXXX. Specifically, I demand the immediate removal of the following accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX dollars per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXXXXXX XXXX XXXX  account as well
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I lost out on money and my checking account was closed by the bank due to this. I was blocked from using XXXX even when it was not my doing. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I bank with Capital One.. XXXX XX/XX/2021, there was {$500.00} transferred out of my account through XXXX without my authorization. I called the bank and filed the dispute. They informed me who the transfer went to and asked if I knew the person and/or authorized the transaction. I informed them I did not know the person and did not authorize the transaction. I changed my password to my online account. On XX/XX/2021, I received a call from an unknown person asking for a code saying they were with a loan company. I did not provide a code but asked them to send the information to my email which they did only asking for the code. I did not provide my email address yet they already had it. I contacted Capital One and let them know someone had contacted me asking for a code. They then informed me someone had tried to change the password on my online banking. The employee helped me change my password again as well as my username. I tried to provide the information about the caller asking for the code and the email address that the email was sent from. They did not want the information. On XX/XX/2021, my account was put on restriction. When I called, I was informed my account was considered a risk because it had been accessed by several different devices and they could not verify my story that I had not provided my login information for online banking. I told the employee that was exactly what the dispute was about. XX/XX/2021, I received an email that my dispute had been denied. While I can not " prove '' or " verify '' that I did not provide my online banking login information, I can prove that I was not in the locations that my account was being accessed from. The bank has not been helpful or willing to help.
Product: Prepaid card

on XX/XX/2023 I ordered XXXX XXXX Visa gift cards from Vanillagift.com, as I have ordered from them for XXXX years. Order # XXXX. The cards, according to XXXX were delivered to my mailbox, including a pic of my closed mailbox. I never got the envelope. It was probably stolen by the driver. Never had a problem with XXXX, but it was XXXX XXXX XXXX and probably a substitute driver. So, I call Vanilla Gift and to ask for a replacement of XXXX XXXX cards. Called 5x, and every time I get a rep who has to connect me to the proper office. After holding on for XXXX minutes each time, ( 5x ) the call gets disconnected on their end. This is a massive waste of time and very upsetting. I thought this company was reputable, but I was very wrong. I have a reference # XXXX. Please help!! XXXX
Product: Credit card

Staring in XXXX XXXX, I was issued a new Banana Republic XXXX XXXX Card issued by Synchrony Bank as my old card was cancelled due to fraudulent activity. I had been diligently paying the balance on this old card. I was also paying the balance on the new card, but by my mistake, I accidentally sent the payments to the old, cancelled account number, meaning that the bank was getting payments but not applying it to any balance. The bank did not contact me about this error or do anything to rectify it, in effect just keeping the 'free ' payments I was sending them without applying it to any account. The payments I was meaning to apply towards my new card I was mistakenly making towards the old card until XXXX XXXX. The bank was notified by me in XXXX XXXX about these misapplied payments and was told that this would be investigated and the payments would be re-posted to the new account and that this should be resolved in 4 weeks. I waited until XXXX XXXX and the issue was not resolved, and I kept receiving statements from the bank for money that I had already paid. I called the bank again several times and was told that there is an investigation and that it would be resolved in a few weeks. I have called several times again, recently on XXXX XXXX, XXXX and was told the same thing. This issue has caused my credit score to drop significantly as a negative factor was placed on my credit score noting that the card was paid " 60 days late '' although I was paying the bank on time to the old credit card and the bank has done nothing to rectify the issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report dated XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that you investigate the issues below and delete the inaccurate information. 

Issues Identified : 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 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  Multiple accounts with identical balances and statuses are listed. These entries need to be deleted. 

Please resolve these issues promptly and provide me with a detailed response and an updated report within 30 days, as required by law. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 they received and acknowledged my dispute to XXXX, Transunion, & XXXX  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air 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. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/2018 XXXX XXXX XXXXXXXXBalance {$1100.00} ( Original Creditor : Medical ) -23062-Balance {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX  XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted XXXX. XXXX told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. XXXX should not make decisions based on inaccurate, information that XXXX  XXXX XXXX has provided them about matters between myself and XXXX  XXXX XXXX which has nothing do with my XXXX accounts. XXXX needs to put my credit limit back to its original limit as I have never made a late payment with XXXX. XXXX  XXXX XXXX reported to Experian that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless XXXX  XXXX XXXX.