23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Reference CFPB Cases XXXX and XXXX CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XX/XX/XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XX/XX/XXXX ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total stated in their answer IS NOT THE CORRECT AMOUNT! The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because this mess caused by them, I just want ALL my money back ... just that. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX. This is the third time complaining about it, THIRD and CapitalOne is not solving it the way it should. I should suffer for someone else mistake. Attached the print screen of the account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

Please review the enclosed documents, and initiate an inquiry into the accounts where I am consistently on time but are incorrectly marking me as late.
Product: Checking or savings account

I opened Regions personal checking XXXX account as part of the promotion. Setup initial deposit also. But I am not able to access the account online. I had an old profile but even using that I can not access it. 
For this I called Regions bank customer service on XXXX XX/XX/2023. I was told by the lady that may be try after 24 hours. Well it's not working even after 24 hours also. 

As part of this promotion- one has to be have online access. 

When trying to enroll for online access, I am getting this kind of error : We apologize for the inconvenience, however we are unable to process your request at this time ( XXXX ). 
Please contact Regions XXXX XXXX at XXXX ( XXXX ) for further assistance.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submission, Equifax consistently responds with 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 s 1681 I which mandates a reasonable investigation of disputes.Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act, ( CFPA ), 12 U.S.C ss 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with necessary proof of investigation these are The inaccurate Accounts Information XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit card

On XX/XX/XXXX my personal vehicle was caught in the flooding in XXXX XXXX. Based upon my last complaint in XXXX and the " emergency, '' state of the flooding I called a tow truck and got my car towed from the flooding location to my home on XX/XX/XXXX for {$350.00} and from my home to the XXXX dealership for repairs when they got power back on XX/XX/XXXX incurring a second {$330.00} towing charge. On XX/XX/XXXX I tried submitting these receipts to Chase for reimbursement and spent XXXX calls extending ~ XXXX minutes each going through every reroute from Chase starting at : ( XXXX ) XXXX ( back of my card ), they routed me to roadside assistance : ( XXXX ) XXXX which is the XXXX party to arrange a tow despite being told I needed to submit receipts for reimbursements charged to the card. From there I was routed to Card Holder Benefits at : ( XXXX ) XXXX which finally provided the site of https : XXXX which requires XXXX ) Policy Number, XXXX ) State of Policy ( which I NOR XXXX HAS OR WAS WILLING TO SHARE ) since my personal car insurance policy is NOT THE APPLICABLE POLICY. 

XXXX fraudulently advertises a benefit for the card and then still over 18 months later has fixed this problem brought to their attention by me in XX/XX/XXXX. 

I have attached both receipts for your review and submission to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting
Product: Credit reporting or other personal consumer reports

I noticed some hard inquiries on my report that I want removed. I wasnt aware of them until recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I was a victim of idententy theft. Someone tried to open several accounts at different companies. XXXX XXXX gave credit to this person and sent me to collections. I never done business with XXXX XXXX. This was reported to Experian and my credit score came down 125 points.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf to address an issue regarding inaccurate personal information on my credit record. The information in question does not pertain to me, and I request its prompt removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my personal information as it is reporting incorrectly on my credit report. I have attached documents needed to verify who I am. I have also attached a shot of my personal info on my consumer report.
Product: Credit reporting or other personal consumer reports

There has been two separate hard inquiries made against my account per my credit report on XXXX XXXX. One of said hard inquiries was made on the date of XX/XX/year> through a Capital One institution in XXXX Virginia. The second of the hard inquiries was made through the same institution recently on the date of XX/XX/year>. As of today I have been receiving messages via my cell phone that a card was ordered and then shipped out to whoever fraudulently did so. I believe someone is stealing my identity so if this problem can be resolved or addressed I would be thankful.
Product: Credit card or prepaid card

On XX/XX/21, I was checking in for my Delta airlines flight that was departing in 24 hours and a Delta Gold AMEX credit card offer was included on the check-in page which states " SAVE UP TO {$60.00} EACH WAY ON FIRST CHECKED BAGS ON DELTA FLIGHTS For you and up to 8 additional travelers in your reservation today when you apply and are instantly approved '' ( webpage attached ). The terms and conditions of the credit card were provided which I attempted to read and comprehend. As the {$99.00} annual fee was waived for the first year and the baggage fees for my trip were totaling {$120.00}, I applied for the credit card as I wanted to take advantage of the free checked bags. After applying for, and receiving confirmation I was approved for, the AMEX credit card and receiving my Skymiles # to add to my reservation, this step did not waive the baggage fees. I contacted AMEX to retrieve my newly approved account number so I could use it either online for my check-in at at the airport and I was informed that I would need to provide my physical credit card at the airport to waive the fees and that they did not have an account number to give me yet either. They referred me to the terms and conditions, which state " New Card Members and Card Members upgrading from another Delta SkyMiles Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express ''. As flight check-ins are not initiated until 24 hrs before flight departure, there would be no way any person applying for this benefit would be able to utilize it in their " reservation today '' as the ad deceptively touts. AMEX was not unable/not willing to provide a statement credit to cover my baggage fees. 
The bottom line is that the ad is deceptive in its promotion that can not be realized as stated.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect XXXX is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on XXXX in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate XXXX Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX XXXXDate of XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX NaDate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX NaDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX  NaDate of Inquiry : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX  DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATIONXXXX XXXX XXXX XXXX HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Product: Mortgage

Freedom Mortgage is the lender. I have always paid ahead of time for my monthly payments. They changed the monthly amounts due without proper notification. I paid the mortgage but is was a few dollars short because they raised the payment amount. Instead of cashing the check and either passing it on to the next month or contacting me stating it was short, they did not cash the check and reported 30 days late. Not short of proper payment with notification. No one called. No one wrote. There was no way for me to know the amount changed and they refuse to remove the 30 day notice. I have been writing them letter after letter and they refuse to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

I would like to express my concern regarding the credit inquiries made in my name. On XX/XX/XXXX, I noticed that my credit information was inquired multiple times across different bureaus, which I consider excessive and unnecessary. These actions have negatively impacted my credit history, affecting my credit score. 
The repeated inquiries are not only unnecessary but, in my view, constitute an abuse of my personal information. In this regard, I request that you review and clarify the reason for these inquiries and take the necessary steps to correct any potential errors or misunderstandings that may have occurred during this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX On XX/XX/XXXX I paid the remaining XXXX They spelled my first name incorrectly which may be the problem in part but it needs removed from XXXX. I have my reference number and documents to support my complaint.i have disputed it 6 times to no avail. 


Please help I'm n need of a car loan I was denied due to this infraction on my report. The collector is Online Information Services. 

Their reference # XXXX to find my account PIN XXXX
Product: Credit reporting or other personal consumer reports

Subject : Demand for Removal of Inaccurate Negative Items Under XXXX U.S. CXXXX XXXXXXXX Civil Liability for Noncompliance To Whom It May Concern, I am writing to formally dispute the accuracy of negative items on my credit report and demand their immediate removal. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlights ongoing failures in properly investigating credit report errors, violating the Fair Credit Reporting Act ( FCRA ). Given this, I have reason to believe that your agencies have engaged in improper investigative practices regarding my disputes. 

Under XXXX U.S. CXXXX XXXX, you are legally liable for damages resulting from negligent noncompliance with the FCRA. Failure to conduct thorough, fair, and timely investigations into my disputes constitutes a clear violation of this statute. I have previously disputed the following inaccurate negative items, yet they remain on my credit report : [ List the specific accounts, creditors, or inaccuracies you are disputing ] As mandated by the FCRA, I request the immediate removal of these negative items from my credit report and a written confirmation of their deletion. If your agencies fail to comply, I am prepared to pursue all legal remedies available, including seeking damages for your negligence. 

Please provide a written response confirming compliance within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 % Accuracy. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Below are the accounts that were assumed to be verified, but have not been. I am asking that all accounts be removed these accounts are reporting inaccurately, improperly, and fraudulently. These credit bureaus are breaking the laws created by the FCRA as well as violating my consumer rights and that will not be tolerated. Listed below are the accounts I expect to be removed. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX/Dofed- XX/XX/XXXX Account Name : MohelaXXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX SERVICES ) XXXX Account Name : XXXX These accounts were opened fraudulently. I am a victim of identity theft.