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

XX/XX/2023 I disputed incorrect information on my Equifax report via certified mail. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. I then called Equifax and they said that I need to resend the information. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

This is absolutely insane and appears to be clear cut violations of 15 USC 1681i ( Fair Credit Reporting Act ) for failure to investigate. 

A VERY basic investigation would prove I sent the required documents MULTIPLE times and Equifax REFUSED to investigate. 

15 USC 1681i ( a ) ( 1 ) ( A ) states " ..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. 

Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) ( Fair Credit Reporting Act ) I therefore respectfully request that all items being disputed be deleted from my Equifax Credit report immediately. 
The erroneous accounts are attached in the uploaded documents and include : XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX {$390.00} XXXX XXXX {$1300.00} XXXX. XXXX XXXX. XXXX {$590.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$990.00} XXXX. XXXX XXXX {$4100.00}
Product: Credit card or prepaid card

shortly after i had XXXX of my roommates help me file an edd claim i went to jail for a month and when i was released i was expecting to get my dedit card from XXXX around the same time .after a couple of days waiting for my card i became concerned and called b of a bank to find out why i hadnt got it yet. they informed me that the card had been issued, mailed to my address already activated and XXXX XXXX dollars withdrawn in XXXX lump sum. i immediately filed a claim to get my money back that was stolen off my card i submitted a police report, proof of my incarceration which is all they required me to do. that was XXXXXXXX XXXX XXXX and to date i have not gotten that XXXX XXXX restored. i have done everything humanly possible to get b of a to jonor my claim and they keep telling me its pending..
Product: Checking or savings account

I FILED A REPORT WITH CONUSMER FINANCE GOV AGAINST BOA. 

BOA OF PATHETIC ATTEMPT AT ANY SORT OF COMPLIANCE WITH THIS ORGANIZATION IS LAUGHABLE. I RECEIVED 1 CALL AND A CALLBACK NUMBER. ICALL THE CALLBACK NUMBER. IT DOES NOT HAVE ANY PROMPTS TO CONTACT BOA EMPLOYEES IT ASK FOR A XXXX DIGIT EXT. THE EXT LEFT ON THE XXXX DOES NOT WORK AND I HAVE NO WAY OF CONTACTING THEM. 

THE ENTIRE THING IS A JOKE. A FAKE SYSTEM SET UP TO MAKE THE APPEARANCE THAT BOA IS ACTUALLY ATTEMPTING TO COMPLY WITH FEDERAL REGULATIONS I HAVE THE VOICMAIL SAVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : {$45.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I refinanced my student loans wit h SoFi. I ha d multiple federal and private loans, so  the ultimate goal wa s to consolidate all of them and save money, of course. SoFi puts out a lot of advertisement on how they can save people so much money with their student loans, and that is why I chose them. They only go up to a 20 year plan, and my loan is over  XXXX . Currently, my payments are around {$750.00} a month. I am  only one yea r out of graduating college and have a good job and have even been promoted twice, but I still am struggling mightily with these loans. You would be hard pressed to find someone 1 year out of college that would not be struggling to cover {$750.00} a month just for student loans. The student loan payment is more than my car payment plus rent combined. I have called them multiple times to ask what they can do to help me lower my payments because I am currently not saving any money, which was the whole point of doing this. Almost every other company can offer things like income-based payments or a longer term deal. Either way, I need a better payment structure ; every time I call them to ask what they can do to help they always tell me that there is nothing they can do. The y give one o ption which is to switch to a fixed rate. Well, that makes no sense because the current fixed rate is around 8 %. My current variable rate is around 5.5 %. Being on a variable rate can be very dangerous, especially for someone in my situation, but it is the only way I can possibly make any of these payments. The only other thing they mention besides switching to a fixed rate is to call  XXXX , who is actually servicing the loan. If I call  XXXX , they tell me to call SoFi. They just send you back and forth, and that is not a good look. I always ask them if they can push my term out t o 25 or   30 years, because that will definitely lower my payments. It would also be a GREAT business decision on their part, because they can make even more money off of interest from me over a 30 year span. To me, I understand that I a spending more money on interest, but that gives me more money to invest now, and also will allow me to breathe with lower payments. However, they always say that there is nothing they can do to help me. Plain and simple, I need a better payment structure. They are making money off of me no matter what, so there should not be any problem with switching up the payment structure. My current plan has a balance of around  XXXX  and has a projection of me spending a total of  XXXX  including interest over the life of the loan. That shows that they are going to be making a lot of money off of me. Surely they can do something to help me out given that I am helping them make so much money. Right now, they are doing nothing to help me out.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX This account should not be reported as a charge-off, I paid this on time. Please provide evidence that my rights have not been abrogated on this report. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX - Account Number:XXXX Experian is reporting all charged off but XXXX reports all good payments. Also, charged off the account but it still has a balance. You need to remove this inaccurate report immediately! 

XXXX XXXX XXXX  XXXX - Account Number:5XXXX  Please remove inaccurate reported late payments and update to paid as agreed
Product: Debt collection

I received a letter from Hunter Warfield ( XXXX collections ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : 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 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: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened this card to take advantage of a 0.00 % interest of a balance transfer. Any other purchases outside of this transfer amount I understand, is subject to the 22 % interest as a " standard purchase. '' On XXXX I made a {$1000.00} standard purchase and on the same day made a {$1000.00} payment to go against that. The following statements show that my standard purchase balance that is subject to interest is much higher than it should be. Citi applied my {$1000.00} payment against the 0.00 % balance transfer amount and I am now being charged interest again a standard purchase balance I've already paid for. 

When calling Citi I advised that my balance subject to interest ( standard purchase ) is over by {$1000.00} and that the {$1000.00} purchase I made was paid for the same day I made the purchase. The rep on the phone even advised me that when a payment is made it is allocated to whatever balance has the highest APR. What they are doing is benefiting on more interest by taking the {$1000.00} purchase I made an putting it towards the Standard purchase balance that is subject to all the interest accrued. 

Citi refused to fix this and stated that to avoid getting interest I should stop using the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am truly a victim here. 

XXXX collection Avanta recovery service XXXX credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts
Product: Checking or savings account

Someone that wasn't me called XXXX XXXX on XX/XX/XXXX and was able to change the mailing address, phone number, and email address associated with my checking and savings accounts. I was notified of the change and contacted XXXX XXXX to change those back to what they should be. On XX/XX/XXXX someone that wasn't me called XXXX XXXX  and was again able to change that information on my accounts. I went into a local branch that same day and closed out my accounts and started over with brand new ones and a whole new online profile. On XX/XX/XXXX someone that wasn't me called XXXX XXXX and was able to find out the new account numbers that were created and changed that information again. I called XXXX XXXX that same day and got the information changed back and told them to put a hard hold on my account and I requested no changes be made on my account unless a person is in a branch of XXXX XXXX  with a photo ID. On XX/XX/XXXX a person who wasn't me was able to call XXXX XXXX  and get the hold lifted. That same day I completely closed out my accounts at XXXX XXXX and I will never bank there again. I had been a customer since XXXX.
Product: Mortgage

Seneca Mortgage Services is a predatory company and my case is the smoking XXXX. Their business model can be outlined in three very simple steps : 1 : Buy delinquent mortgages from upstanding banks In my case, my loan was purchased from XXXX after I fell behind on my payments while experiencing a physical hardship that made it impossible for me to work. 
2 : Make sure the consumer FAILS at a loan mod or repayment program. 
This is something I DID NOT FAIL TO DO. All of my payments were made, in full, and on time. However, this is the " smoking XXXX '' I mentioned earlier. 
3 : Send the failed mortgages to Sheriff Sale so they can make money on the sale of the property. Self-explanatory. 

While on vacation, a letter notifying me of my property going up for Sheriff Sale was placed on my door. I did n't panic because I knew all payments were made. 

Basically ... they EVEN tried their three step plan on me. On a loan that was no longer delinquent, or had ANY OUTSTANDING PAYMENTS. 

If they tried this on me ... they 're trying it on everyone. PLEASE HELP STOP THEM.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and Experian 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I was contacted by mail from a debt collection agency named American Coradius Internationa LLC, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX, about a XXXX debt sent to them as a collection. This account was evidently opened using my name and address in 2022, but it was not me that opened it. From the email address that showed on the letter from XXXX XXXX, it was clearly identify theft. They claim I owe {$420.00} for a purchase I never made, and have sent two letters demanding payment. The first I knew of this issue was after being contacted by the collection agency, XXXX never reached out to me by mail to validate the account or purchase. NOTE, the American Coriadus reference number is XXXX.
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. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I already submitted my complaint with your against Current Debit Card which has had headquarters in XXXX XXXX XXXXXXXX and the Financial institution location in South Dakota and this complaint included XXXX XXXX XXXX XXXX I believe I submitted my complaint with your CFPB against XXXX XXXX XXXX XXXX who's overcharged my Debit Card between I summited between 1 to 3 years ago but I don't get the help with your CFPB see if in this time your help me recovering this amount of money which is around {$600.00} dollars thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I added {$400.00} to my venmo account in an attempt to pay rent. After sending {$200.00} to my landlord my account suddenly got frozen and I was no longer able to access the funds. I got an email shortly after stating that my ID needed to be verified with no further information about why my money was not going to be released. I emailed support twice asking for assistance and both times I was met with a representative who stated that they could do nothing about this and that I must wait XXXX days. Im now reaching out to you because I dont know how Im going to be able to pay my rent. I dont think theyre going to unfreeze my account or release my money. I need help and I dont know where to turn. I looked online and found multiple other stories of people who had similar amounts of money held by Venmo in addition to stories about even more money being held. This feels like a scam and Im afraid Ill never get my money back let alone in time to stay off the streets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a dispute to TransUnion regarding fraudulent inquiries. They make disputing UNAUTHORIZED inquiries very hard. Below are the following FRAUDULENT inquiries. Ive made a report for identity theft due to these. Inquiries can seem insignificant but can be detrimental to obtaining new credit. I did not authorize these inquiries. 

XXXX/XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX XXXX  XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX   XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 2020