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

Experian did not do an accurate investigation in providing the factual details to my dispute. On their are two accounts that are identical XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX. A precise and accurate investigation would have uncovered the details of them being the same account. And if they cant find the minute issue shows their lack of maintaining complete and accurate records. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX These accounts plus the two identical does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. A precise and thorough investigation would include them contacting all parties named in complaint to verify accuracy. Yet they did not contact my ex fiancs which furthe proves bias. Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Im also providing in documents their response from their website which wont allow me to dispute the inaccurate info. So I ask since that they provide me with the original contracts with my signature and Address stating where I live. The attachments I provided proves inaccurate informations they all have different addresses that I never lived at so provide me with the original contracts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX  on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Initially I started to get calls from Rocket Mortgage my current mortgage company holder. I was hospitalized and I was getting approximately XXXX calls per day and continued to have voicemails. When I was able, I called back they were marketing the possibility to refinance my loan. XX/XX/XXXX I spoke with XXXX and she was going to work up numbers and get back to me. When she called me back, she advised my home was worth in the updward of the low XXXX. I advised her I didn't agree with the valuation as I know home in my area have been going for XXXX on the low end. I then advised her I was frustrated as this happened to me once before with them in XXXX and I informed her I was not interested in moving forward and thanked her for her time. She said she was sorry. On XX/XX/XXXX I got a call from XXXX asking me to call him back at XXXX he wants to work something out with us. I called back and left a voicemail and informed again to please not reach out to me as I was not interested in moving forward with refi. Since then I kept getting a call almost on a daily basis from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. When these calls came in I wasn't answering as I had already informed XXXX I was NOT interested in moving forward. FInally I called XXXX back again and I left her a voicemail asking her to please stop the calls, and no need to pass me onto anyone else. Well, XXXX then proceeded to send emails me to me. XX/XX/XXXX was her first email. I responded again with no need to speak as their services was not needed. I asked to please no longer reach out and at this point its considered harassment. Well, XXXX didn't stop she scheduled us for a call, and finally had to get on the call again and I informed her to stop calling me as I will be reporting this harassment to CFPB because I simply cant afford to get several calls per day and voicemails and emails when I informed her I was NOT interested. On XX/XX/XXXX I got yet another call from another rep at XXXX Mortgages customer satisfaction team, his voicemail stated its important regarding my current mortgage. Well, because I do have my current mortgage with them, I called back. He was yet another rep trying to get me to refi my mortgage loan. I became so upset I told him this is enough and if they continue to call me, I will be in contact wth an attorney and didn't appreciate the harassment. He apologized and ended the call. now as of yesterday XXXX I am starting to get the same type of marketing calls although I continue to tell them to STOP CALLING. Im not sure what else I can do regarding this anylonger and I refuse to change my phone number to avoid the calls. Please help me.
Product: Debt collection

To Whom It May Concern : This letter indicates you and your company immediately cease erroneous credit reporting. 
We demand that you and your company stop the monthly charge offs under the Fair Credit Reporting Act for fair and legal reporting debt. They then this fraudulent debt to STATES RECOVERY SYSTEM INC, who added on illegal fees without providing a contract that shows XXXX XXXX agreed to that fee. 
We closed our account in XXXX due to fraud, and you have placed over XXXX charge-offs since then. You are deliberately keeping the account open to justify the monthly reporting charge-offs. Members must maintain a {$5.00} balance per your website to keep tabs open. We have had a XXXX balance in the account since XXXX. Yet, every month, you send a statement reflecting a XXXX balance savings account claiming that the account is open. This is a direct conflict with the minimum balance requirement per your policy. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ) falls under non-compliance with the law and false reporting. 
In addition, this constitutes a breach of contract since the original credit card agreement does not authorize the re-charge debt. 
If you continue to issue charge-offs, we will be forced to take legal action against you for violation of the Fair Credit Reporting Act and will seek all available damages and remedies. 



Sincerely, XXXX XXXX
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
- [ ]
Product: Bank account or service

After receiving an email from Chase, I called to close a dormant CD ( from interest they did not provide at cd closure ). The representative told me he was unable to close my account, but could transfer it to my savings account and I could go into a branch to close it. I told him I did not have a savings account and he said yes I did and confirmed that my name and my social was on a savings account. I explained this was strange, but agreed. I then went into the branch XX/XX/XXXX to close the savings account, only to find someone else had already withdrawn the money as there were other UN-known customers also on the savings account?? When the representative pulled the signature card they found that I was not officially listed on the savings account ( only in the computer ) -- and that in some merger with Bank One my name had been electronically added to this savings account in error. He did confirm the CD where the funds came from was solely my account, but the savings that they transferred my funds into had others on it -- and I had been added to the account in the bank error. So admittedly they had given my money to another customer! 

Understanding how confusing this was agreed to leave the branch, giving them time to figure it out. It is now XX/XX/XXXX, over 2 entire weeks later and I still have no answers and no money. They finally took the branch out of the loop and gave me an executive representative, who left me a voicemail and I have called back twice on different days now with no return call back so we have yet to even speak after 3 more days now. I feel I have been more than patient in giving the bank more than two weeks to figure out the bank error, but at this point feel I am being taken advantage of. 

It has already been confirmed the CD was solely in my social security number ( and have received XXXX ) and that the savings account my funds were placed into was not mine and not withdrawn by me. This is clearly bank error, and admittedly so by the branch, I do not understand what is taking so long to gain access to my funds. Very frustrating by getting absolutely no attention whatsoever by the bank even after I had it escalated. So very scary that their system has added me to an account that I 'm not on and if crooked could have accessed?? Chase has given my money to someone else and are not willing to fix their error. Help me, this is unfair!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed XXXX accounts reportings for inaccurate and in violation to my rights with the bureaus. In accordance with the Fair Credit Reporting Act this bureau & creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a s2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose. XX/XX/XXXX After stating my rights I asked to provide statements supporting the investigation. XX/XX/XXXX reports came back verified but didnt provided documents or wet signatures supporting the validation for the inaccurate report. 

XXXX XXXX XXXX opened XX/XX/XXXX account XXXX, my late payments has still not been deleted. 

XXXX XXXX XXXX XXXX opened XX/XX/XXXX account XXXX, still has charge-off reporting on my credit report. 

XXXX opened XX/XX/XXXX, still has charge-off reportings on my credit report. 

Inquires are Unauthorized - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for this failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that fails to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.

These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner.

Please review the inaccurate information being reported : 1.Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Please delete from my credit report. 

2.Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please delete from my credit report. 

3.Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX Please delete from my credit report. 

4.Unauthorized Inquiry XXXX XX/XX/XXXX Please delete from my credit report. 

5.Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please delete from my credit report. 

6.Unauthorized Inquiry XXXX XX/XX/XXXX Please delete from my credit report. 

Under the FCRA, you are required to : Conduct a proper investigation into my dispute, inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documents you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you failed to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly I look forward to your response within the legal mandated 30 day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$69.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ' client XXXX XXXX is an ID theft victim ; his information was used without his consent to apply for several credit cards. While those applications were denied the applications resulted in an inquiry left on his credit reports. We have notified the card issuer officially with a dispute in writing as outlined by the FCRA however a credit report shows Chase is still reporting the inquiry to XXXX. The fraudulent application was submitted XX/XX/XXXX ; our office started the dispute process XX/XX/XXXX and again XX/XX/XXXX when Chase violated the FCRA and continued to report the inquiry.
Product: Credit card

Approximately 30 days ago i received a mailed postcard from Suntrust Bank stating my address had been changed to a " new address ''. This " new '' address was my residence approximately one year ago. I called Suntrust and spoke to their Manager XXXX who denied there was a change of address. I asked it be corrected and this was done with a new post card about a week ago. I was chagrined to receive yet another post card notifying me that my address has once again been changed back to the prior residence today. Again spoke to Customer Service and they are investigating, saying it has to do with a US Postal feed they get. However, I am very concerned either : something in my account has been compromised or there is a systemic issue at Suntrust with this issue. Either way, I have not submitted a change of address in any manner or form to them and yet they keep changing this information on their system. Am I compromised? Is there a bigger issue here. As a consumer I am concerned.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$2200.00} 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Capital One has a outage that is causing problems with people not getting their direct deposits. I normally get paid early on Wednesday or Thursday. When I was on hold with Capital One for XXXX hours I finally got someone on the phone and he said he has no information on when the problem is going to be resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of a data breach that's resulted in identity theft. Under 15 usc 1681 I have a right to privacy. I'm requesting a re-investigation on the accounts that I've disputed based on 15 usc 1028a aggravated identity theft. on XX/XX/year> I've disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which came back verified.
Product: Credit reporting or other personal consumer reports

I am now demanding the immediate and complete removal of this account from my credit reports As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. 
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
Product: Credit reporting or other personal consumer reports

This private student loan was opened in XXXX and I renewed an XXXX XXXXXXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.
Product: Credit reporting or other personal consumer reports

I previously submitted a copy of my request through the CFPB.gov site along with mailing a written request that was extremely simple yet the company has failed again to provide the information. 

I asked for the Date of First Delinquency, Date of Last payment, Date of Charge-off and Date of application. Instead this company continues to play games and mailed me a large envelope with copies of statements. This company along with others has this information contained within their systems yet for some reason they do not want to relinquish it.
Product: Credit card or prepaid card

In XXXX of XXXX, I found a charge in the amount of {$66.00} on my credit card statement for a company listed as " Citizens. '' I looked the company up and found that the company is " Citizens Financial Group '' out of XXXX RI. I talked with a customer service person at XXXX, and she couldn't find an account with my name. I was transferred to several people because the charge on my CC was not authorized. I eventually talked with a supervisor that said she had the ability to search accounts by payment method, and said she removed my CC from the account ( that it was probably mis-typed in ) and that I should have my CC company dispute the charge ... which I did. I auto-pay my CC monthly, so it wasn't until XXXX of XXXX that I discovered that I was STILL being charged {$66.00} monthly. My CC company credited me back the {$66.00} for XX/XX/XXXX, but said they can't credit the charges from XXXX XXXX XX/XX/XXXX ( totaling {$530.00} ). My CC company closed that card and issued me another. 

Citizens Financial Group DOES NOT vet applications appropriately and, in my opinion, does not take fraud seriously ( I am a victim of identity theft - so this is all a nightmare I live with daily. ). They don't seem too concerned with taking money from victims of theft.