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

Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXX XXXX  Account # XXXX has violated my rights XXXX  account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Permissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that XXXX, EXPERIAN, XXXX will handle this matter promptly and in accordance with federal law.
Product: Checking or savings account

Received a Debit Visa Credit Card in the Mail with my name on it. Inside there is only one paper explaining the perks of the card and how to activate the card or sign up for direct deposit from my employer to the card. They also provide a banking account number and routing number. 

I did not apply for any such card nor can I find any information on my XXXX XXXX or in my email that suggests I accidentally signed up for this card through a possible verified partner. 

I believe this is either a misleading promotion that tricks you into thinking you have signed up and/or a scam that gets you to direct deposit money into an account and then someone else has access to it? 

Not sure if I am a victim of identity theft at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX  on XX/XX/XXXX. It reflected a hard credit inquiry on XX/XX/XXXX from CBNA BBY that we did not initiate. On XX/XX/XXXX I spent 2.5 hours on the phone with Citibank and/or Best Buy at four different numbers before I could reach a supervisor that transferred me to the fraud department at XXXX. The fraud representative name was XXXX and his employee ID is XXXX. Prior to the fraud dept. I spoke with XXXX with employee ID # XXXX at XXXX. They confirmed someone applied for a new account on XX/XX/XXXX. They stated the application was still pending and I had to talk with another department to report the fraud and prevent the account from being approved. After two hours on hold, they stated the account was approved but then shut down based upon my phone call regarding the fraud.
Product: Credit reporting or other personal consumer reports

Applied for an apartment and was denied because of inaccurate information reported from my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.
Product: Checking or savings account

My tenant sent me a XXXX transfer just like they had done in the past, then SoFi restricted my checking account, wont allow me to access the money in my account, didnt receive the XXXX transfer or even refund it back to the sender, its been over 2 weeks and they have no answers for me at all, no reasons or cause for the restriction or even a time frame to give me for when it will be resolved or anything at all. The customer service reps have no power to do anything and they said I cant speak with the department that is in charge of the restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/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

CapitalOne Bank is refusing to honor the terms and conditions as set forth in their advertisement for a {$500.00} account opening bonus. Here are the offer terms, as obtained from CapitalOne 's website : Open a XXXX XXXX XXXX and you could earn a {$500.00} bonus. 

Open your account and deposit at least {$50000.00} by XX/XX/XXXX, using promo code XXXX to earn an exclusive {$500.00} bonus. Plus, you'll earn 2.00 % Annual Percentage XXXX ( XXXX ) on balances of {$10000.00} or more. See details below. 

Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. 

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 

The relevant portion of the timeline is detailed below :XX/XX/XXXX : New account opened with XXXX coupon code attached XX/XX/XXXX : Balance reaches $ XXXX through deposits. Note that this is before the XX/XX/XXXX deadline to deposit $ XXXX XX/XX/XXXX : Withdraw $ XXXX from account XX/XX/XXXX : This is 60 days from when the balance has hit $ XXXX, bonus is due XX/XX/XXXX : Called bank customer service line. Representatives confirm that the offer code is attached to the account. Representatives say that there are additional terms and conditions that now suddenly apply that were not on the advertisement and refused to honor original terms of the offer. Different representatives add different terms that don't match the new terms from the other representative. Namely, representative 1 claims that a $ XXXX balance needs to be held for full 60 days. Representative 2 claims that $ XXXX must be deposited within 10 calendar days of opening the account. These two representatives do not even provide the same reason, and more importantly, neither terms are in the original offer text. Of note is that there is no text in the offer that states that the $ XXXX balance must be held for any amount of time.
Product: Debt collection

I have been disputing an account thats has been being reported on my credit report since XXXX. This account has been paid off since XXXX  and I have been disputing it for three years. I have emailed a statement from EZ Money to the debt collection agency verifying the account was paid off. The agency said it wasnt sufficient enough and they wasnt going to remove it from my credit report.
Product: Vehicle loan or lease

I have contacted Credit Appentance more then once regarding my late payments from the year of 2020. I explained that I was effected by XXXXThis is not a good company. I will not recommend anyone to use them. When you call the customer service representative is unprofessional.
Product: Credit reporting or other personal consumer reports

Pentagon Federal Credit Union XXXX XXXX XXXXXXXX Above Accounts created under respective creditors without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 

And one more thing according to 15 USC 1681s-2 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

Show that I had late payment when it's actually not true since I paid off the account it's impossible to have any proof that I did miss payment
Product: Debt collection

On XX/XX/20 I switched from XXXX XXXX to XXXX XXXX. On the XXXX final bill they added {$80.00} account charges for the period of XX/XX/20 - XX/XX/20. Dispute both the unknown charges and the dates for those charges. They also assessed an early termination fee of {$170.00} for XX/XX/20. I do not recall ever signing anything that calls for an early termination fee. XXXX can not dispute the date of cancellation. They had to release the numbers in order for me to switch. 
I tried contacting XXXX on after I received their final bill on XX/XX/20. Was transferred to the billing department and hung up after waiting 60 minutes. Called back and the customer service rep told me I could wait for a collection letter. All attempts at phone contact result in long wait times. 
I started receiving text messages for Sequium Asset Solutions ( XXXX XXXX? ). I texted back asking them to call me, they never did. I received their letter dated XX/XX/20. Went to their website and instead of letting me file a dispute, the site only allowed me to arrange or make payment. I used their contact link to formally file a dispute. I also used an email link to send a duplicate dispute through my email. I have never received an acknowledgement much less an answer. They have since place a collection account on my credit bureaus. I have request them to be removed but again no answer. 

I acknowledge I owe the balance for the phone equipment but I won't pay that until we agree on the total billing. 

Sequium ref # XXXX XXXX acct # XXXX Amount {$650.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter ( please see below ) to Experian to investigate this matter and verify the accounts listed below. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Inquiry XX/XX/XXXX Unverified Account XXXX XXXX Mortgage Inquiry XX/XX/XXXX Unverified Account XXXX XXXX Inquiry Unverified Account XXXX XXXXXXXX Unverified Account The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts listed above have violated my credit rights. 

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 15 USC 1681b ( 2 ) states that any negative items that a company reports without my written consent is considered identity theft.
Product: Debt collection

This debt is in error or fraudulent. I spoke with XXXX supervisor ID # XXXX on XX/XX/year> and verified that XXXX received the equipment required to return. He also accepted a final payment and closed this account during our conversation. These additional charges are unfounded.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

US SM Bus iness Admin HARD inquiry XX/XX/XXXX XXXX XXXX XXXX HARD inquiry XX/XX/XXXX Experian will not allow me to dispute these two hard inquires online. 
Indicated I must go through Reporting Parties. 
Reporting Parties have NO information relating to me or the inquires. 

I did not request credit applications for either mentioned above. 
Experian indicated that I needed documentation supporting from reporting parties. They have no information to send to Experian. 

There is nothing in their systems with my name or signature. 

They refuse to allow me to dispute the hard inquires. 

These are not my applications, they need to be removed from my credit report they are damaging my credit history.
Product: Prepaid card

On XX/XX/year> a merchant ask for a pre-authorization for a transaction. They never followed through with the processing of the transaction and it fell out of pending. Out of nowhere it came back and charged to the card which caused the prepaid card to be overdrawn. When I called about the transaction I was told that my account was permanently suspended and closed. I asked them why they did that to me and the response was I can write a letter and get a response within XXXX to XXXX days as to why they closed my account on me. I explained to them I have had this account for over XXXX  years in my direct deposit goes to this account and there is not enough time to change my direct deposit. I was told right the letter and you'll get an answer within XXXX to XXXX days that is not giving me any information at all
Product: Debt collection

Today XX/XX/XXXX I pulled my credit report. I seen Midwest Recovery systems reporting on behalf of a payday loan place called XXXX XXXX. States the account was open XX/XX/XXXX. However, I did not open any loan with this company. I did not receive any notification about this debt. When I called Midwest they advised they received the debt XX/XX/XXXX and aren't required to notify me of any debt. They did not mail a letter to the address they have or file, attempt to call nor email the email address on file. They put this on my credit without giving me the change to dispute the debt, nor provide knowledge that a debt is owed. I do not know who either company is and wish to have this resolve immediately.
Product: Mortgage

I was late making a payment on my mortgage and my services decided to offer me a loan modification, with a trial period followed by a mod. I made my XXXX monthly payments, and noticed whatnwas once {$1000.00} in arrears was now close to {$3200.00} in less than 6 months. I then rechecked all my statements since XXXX and noticed there were several questionable and obvious problems and issues taking place in the crediting and servicing of my loan as a whole. There was an {$18.00} 'other fee '' I had been paying since XXXX, come to find out it was a XXXX party insurance company the loan servicer had a policy underwritten and was adding the fee on to my loan and now is charging up interest. There were XXXX home inspections added monthly as fees plus legal doc fees for {$400.00} 3 months in a row. Now I 'm really digging into what this company is thinking by pencil whipping me, it was my fault at first for not following my statement but I had been taking care of my father XXXX. The next illegal move was after I had drFted my monthly mortgage payment on XXXX, the servicer re deposited my payment right back to my account on XXXX. I have never had a company flat return my payment By redepositing and charging me more late fees more home inspections, and the like. It I now has tried to get modified by servicer but when they sent the papers for my signature I laughed at the obvious lack of attention as the forms came with lines blank, legal descriptions not filled out, the monthly payment and interest rate never was modified, yet the added 18 years to my loan and we 're starting the amount owed back at my original loan amount. I sure hope no one else has fallen for this bull. When I did n't sign and return these poor excuses for legal documents the servicer called constantly with threats of foreclosure if these were n't sent in immediately. Did n't fall for any XXXX. Started looking into exposing this wicked greedy and. Underhanded actions by my mortgage company, also I found. Out the. We 're overcharging me for the escrow account which never asked for the same monthly amount over the 4 years plus they were putting all of my extra " principal only '' in a suspense account, and this caused moe delinquent monthly payments again. I hop you can use this info to maybe help me as to what to do next. I refused to refinance or ever modify with any amount over the true amount owedXXXX
Product: Credit reporting or other personal consumer reports

There are multiple inquiries from your company on my credit report that I never approved. Theyre causing real damage to my credit score and making it harder for me to manage financially.
Product: Credit reporting

I contacted Experian recently to dispute a trade line entry in the credit report Experian compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Experian indicated that the dispute would be investigated and a response provided within 30 days. Experian closed the investigation without addressing the substance of the dispute ; rather Experian performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Experian allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Experian is facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Experian has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Experian 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

About 6 or 7 months ago, I began working at a company called XXXX. This company did door to door sales, for XXXX and XXXX. The company would hire employees on ( based on their will to work XXXX when employees would make sales -- the company would take you out of state on what is called a " spiff '' to reward you, and get you to sell their products in that state. After i realized XXXX didnt have the cleanest sales, nor wer they working with me personally to do better -- i decided it was time for me to quit and get a real job. XXXX XXXX that paid hourly ) I had made XXXX sale the whole time i worked there, it was TO MY MOM. I switched her to XXXX. NOT ONCE, did i ever go on a said " spiff '' with ikonik. They are trying to charge me for hotel fees, and travel fees -- and may i repeat I NEVER TRAVELLED WITH THEM. NOR did i ever stay in a hotel with them. They began to repeatedly call me and eventually threatened to send me to collectons in a voicemail, to which i got very angry. And spoke with them to explain it was NOT my debt. I never travelled with the company.