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

I sent in a dispute to XXXX  regarding Sequium. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force Sequium to update the information on XXXX XXXX and XXXX. Either XXXX  failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. Sequium is not the most ethical company and neither is XXXX. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to XXXX  and XXXX 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on XXXX  's response! It just gets worse! All info is on Sequium 's correspondence to me.
Product: Checking or savings account

On XX/XX/2021 through my Chase bill pay I requested Chase send {$170.00} to the XXXX XXXX XXXX which a payment is sent every month. 
I get a bill from the city showing they never received my payment I contact the city and they confirm there is an issue with Chase and for me to contact them. I do. I file a claim with Chase Claims dept XXXX. I go to a Chase branch and talk to manager XXXX and he confirms Chase did mess up sending the XXXX XXXX XXXX the payment and sent to the wrong merchant. he asked me again to file a claim to get my money back since it was sent to the wrong merchant. I call claims again and they said there is nothing they can do the payment was sent. I don't even know who to talk to to get my XXXX because of their mistake. I have spent over 3 hours on hold with Chase trying to get this fixed. Chase has no department for customer service assistance.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 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 XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that
reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an e-mail from XXXX  customer support that my XXXX account was accessed without authorization. Someone had made a purchase of an item and I was charged for it. XXXX secured my account, and I saw the purchase transaction on my Discover Card, which was completed via XXXX. 

I called Discover Card and notified them of this fraudulent charge on XX/XX/XXXX, and filed a complaint on-line with the message from XXXX as proof of my claim. On XX/XX/XXXX Discover Card reversed its decision to credit my account and kept the charge on my card, saying they have proof from the merchant that I indeed did make this purchase and was sent to my home address. 

I contacted my attorney 's office about my situation, and on XX/XX/XXXX they sent a letter on my behalf to Discover Card regarding this fraudulent charge. On XX/XX/XXXX Discover again refused to credit my account, saying there is still insufficient information to overturn their initial decision and continue with the dispute. I have several attachments showing the various correspondences between myself, Discover Card, and my attorney 's office.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove the account from my credit report it is hurting my ability to obtain credit.
Product: Debt collection

Capital Management Service is a debt collection agency that purchased a supposed debt they claim I owed to XXXX  XXXX XXXX and in the recent weeks have called my personal phone over 10 times ( sometimes twice a day ) without leaving any voicemail explanation.

The frequency and times of these phone calls are highly disruptive and have caused distress in my job performance. After asking the agent to remove my number from the call list she continued to ask for more information to verify my home address.
Product: Credit reporting or other personal consumer reports

I requested for correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts : 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: Checking or savings account

It's been a month now since I tried to open a savings account for my new business so I could keep it separate from my regular accounts which I had for over 10 years. 
As soon as I walked in and handed the check I wanted to deposit the girl started right away to tell me that checks received from XXXX XXXX XXXX are suspicious. Well she opened the account but later that evening she called me and told me that the check was not going to be deposited because they needed to do an investigation. Investigation that made me feel that I was trying to make fraud cashing a bad check, they tried to contact my client ( check issuer ) to find out about what? Me? It made me feel like I was the target of mistrust or discrimination ( a XXXX with a check? ). I requested an explanation and the closure of the account. they gave me a letter that practically says to cash those checks in another bank or the issuer bank which is over 50 miles from where I live. As of today the account still shows opened, I only hope they don't charge for a XXXX balance fee. If they want to catch criminals they should do it with the proper institutions or not receive the check at all, it's not their job to investigate their clients or is it only me? 

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

I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On   X/XX/17 , m y credit monitoring sent an alert. from equifax.   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
Product: Credit reporting or other personal consumer reports

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCY EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX Block Request Dear Mr.or Mrs . 
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX  XXXX XXXX XXXX XXXXXXXX opened XXXX {$3400.00}, XXXX XXXX XXXX XXXX # XXXX opened XXXX {$25000.00} XXXXXXXX XXXX XXXX XXXX opened XXXX {$20000.00} is the Identify items resulting from trafficking that should be blocked, Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please email me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is responsible for choosing and removing eligible accounts under the AG lawsuit for loan forgiveness. 

They will not remove my account although I fall under the criteria with no reason stating that I don't fall under the criteria. 

They keep saying that AG office handles the loan forgiveness/credit deletion but they do not. 

XXXX has no reason to disqualify my account from the settlement and deny removal. 

Please see attachments
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request to Update Credit Report Charge-Off Status** To Whom It May Concern, I am writing to address an urgent issue regarding the reporting of an account on my credit report. The account in question has been **charged off** by the creditor. I am in the process of reporting the canceled debt as income to the IRS. However, I have not received a **Form 1099-C** from the creditor, which is necessary for accurate tax reporting. 

Account Details : Creditor Name : XXXX Account Number : XXXX Charge-Off Date : XX/XX/year>2024 - Amount of Debt : {$2400.00} Immediate Action Required : Update Credit Report : - Given that the debt has been canceled, I request that this account be : - Removed from my credit report, or - Updated to reflect that the debt has been settled or canceled. 

Accurate reporting is critical to avoid complications with my credit profile and tax filings. 

2. Lack of Power of Attorney : - The creditor does not have any Power of Attorney to act or report on my behalf. Sole POA belongs to XXXX XXXX XXXX XXXX This lack of authorization further complicates the accuracy of the reporting.If this matter is not resolved promptly, I may consider pursuing legal action to enforce my rights and ensure accurate reporting.

Additionally, as a credit reporting agency, you are obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and completeness of information reported. The continued inaccuracy of this account may constitute a violation of these standards.The incorrect reporting has significant personal and financial implications, making it imperative that this issue be addressed immediately.

3. IRS Reporting : - Should this matter not be resolved within **15 days** from the date of this letter, I will proceed with filing **IRS Form 3949-A ( Information Referral ) ** to report non-compliance by the creditor. Please note that the creditors willful neglect to report this account as required by IRS statutes further exacerbates the issue.

4. Legal Implications : - This letter may serve as evidence should legal action be necessary. It demonstrates the reporting agencys awareness of the issue ( inaccurate reporting, Assuming POA, and potential tax implications ).

Thank you for your prompt attention to this matter.
Product: Debt collection

Hello, I have an account with Global Lending for a loan on my XXXX XXXXXXXX XXXX. 

I have attached a breakdown of the payments I've made. Currently, I am XXXX full month behind but have made continuous payments. 

The issue at hand - I get multiple phone calls a day from Global Lending. They are now starting to call my job each morning for me as well. I am attaching screenshots of the XXXX calls in the last week. I have severe anxiety and XXXX and this is harassment. I have asked them to stop and I've explained that I've already sent them payment this month and they will not quit. They are in violation of multiple Codes of XXXX.
Product: Checking or savings account

Hello Robinhood, i have XXXX Fraudulent ATM withdrawals on my card. I keep my pin in my head, never wrote it down and i have my card in my possession. 

These withdrawals are not authorized. Id like to file a fraud claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am having a problem with One specific employee named XXXX who is the branch manager. I fell behind in XX/XX/2023. I went online and made a payment date for my payment to come out. I was contacted by XXXX who deleted my payment due to her wanting to put it in the system herself. I ended up needing to change the payment date, XXXX informed me, I was not able to cancel my payment. The payment was still in time to be cancelled per the email. I challenged her and told her to cancel my payment because I wasnt going to be able to make the payment. The conversation didnt go well. She said I was hostile and that I should come into the office. I called back to discuss help with the account and she told me, I didnt qualify. I felt as if she was preventing me from help. I contacted other stores to get help and they transferred me back to XXXX. XXXX is doing things like deleting payments when the money is in the account, blocking my online account. I spoke with another employee XXXX, who was supposed to have regional manager contact me about my complaints. I have tried from XXXX to now to get help and Im always told No. I asked for this account to be transferred to another store so I can have professional services and assistance. This is my 3rd attempt for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the XXXX major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.
Product: Credit card or prepaid card

I got BBVA Clear Points Credit card mail offer two times. It shows that I'm pre-qualified for a BBVA ClearPoints Credit Card. My reservation code is XXXX. Expiration date is XX/XX/2019. 
And there are three ways of application. Applying online, by phone or stop by a branch. I called BBVA on XX/XX/XXXX through phone and got an agent replying me I need to apply in branch because I'm not a XXXX XXXX. He told me I'm eligible to apply in branch since I got the mail offer. 
There is no local branch near my living place. Hence I drove to Alabama and apply in branch on XX/XX/XXXX. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX. The banker helped me is XXXX. At first we try to apply with the code provided. However, it keep showing invalid through their system. We contacted BBVA customer service by phone and it didn't help. After talking with bank manager, XXXX suggest me to apply without code and do a fax application. We did so. I don't get any application number or anything else. 
XX/XX/XXXX, I contacted BBVA customer service, they confirmed my code was valid. But they don't find any record about my application and told me to contact branch directly. 
XX/XX/XXXX, I contacted BBVA customer service, they told me the fact that branch and online department are using two different systems hence they can not help me at all. I also contacted branch and another agent told me XXXX was on vacation. They will contact me afterwards. 
Nobody contacted me. Hence I contacted branch again on XX/XX/XXXX. The manger was there and told me the application is stuck because they actually don't accept application for non-citizens. So my application wasn't processed at all. 

1. I did check the reservation code online and it did shows invalid. It's a invalid code from customer end. But XXXX customer service told me it's valid from their end. But the branch system shows it's invalid. It's a false promotion. 
2. There is no terms showing BBVA don't accept credit application in branch from an non-citizen. Actually the online application system explicit say " You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. '' And the agent told me I'm eligible to apply in branch on XX/XX/XXXX through phone. 

I uploaded 4 attachments. 
1. BBVA Clear Points Credit Card Mail Offer scan copy 2. BBVA online application system showing the reservation code is invalid. 
3. BBVA online application system showing " This product is only available online for XXXX XXXX. If you are not a XXXX XXXX, please call us at XXXX. '' 4. BBVA online application system showing '' You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX
Product: Student loan

XXXX sent me a letter around fall in 2021 stating that one of my student loans had been cancelled out. FedLoan took over the loan servicing from XXXX, FedLoan has not made adjustments to the amount owed on my federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Sending a complaint today in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I sent letter to Bureaus on XX/XX/XXXX regarding this matter but no response until this day XXXX XXXX. The XXXX and TRANSUNION credit bureaus are required to authenticate the accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat thisreporting account as unconfirmed information without producing proof within the legal time range. I've already included thisin my last complaint # XXXX XXXX and XXXX and I'm including it again The account listed below needs to be fix right away : XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00}