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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I have disputed the following on XXXX on XX/XX/XXXX and they sent be back a " Resolved '' dispute the same day XXXX XXXX Dispute number:XXXX  Company " XXXX XXXX XXXX '', however, now, per my credit report, it says XXXXXXXX XXXX XXXX XXXX The amount of collections at the moment is XXXX, and it continues to increase. I reported Identify theft on XX/XX/XXXX, reference number is XXXX, after noticing someone was using my social and ID. 

I Disputed yet again on XX/XX/XXXX and they sent me the denial on XX/XX/XXXX at that time the company was called " XXXX XXXXXXXX XXXX '' Theirs also a collection of " XXXX XXXX  '' sold to XXXX XXXX XXXX, XXXX for the amount of {$780.00}. However, I have an active account with XXXX XXXXXXXX and have always had an active, up-to-date account with XXXX XXXXXXXX, when I contacted XXXX about this debt XXXX they stated they did not have any knowledge of this account. 

The collections from " XXXX XXXX '' of XXXX. This car was returned to the dealership on XX/XX/XXXX. The company has failed to contact me within 30 days per the Fair Debt Collections Practices Act ; they are supposed to contact me within 30 days to collect payment, which they did not. They also closed my online account without even telling me there was a balance. 

Collections from " XXXX XXXX XXXX '' company was XXXX. I have disputed this account so many times. I have NEVER had a XXXX account. My phone company has always been XXXX until recently, 3 years ago I switched to XXXX XXXX XXXX due to better deals.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time, I found unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This is extremely frustrating, and I need this resolved immediately. Please review the documents Ive submitted thoroughly so I can finally have peace of mind.
Product: Credit card or prepaid card

To whom it may concern, We have a retail store in XXXX Ohio, and we had a client, a XXXX  holder, who came into he store, purchased a few expensive items, the store manager, asked him to show his ID so it matches the credit card, and that was what he did, we have the pictures as well as the security cameras, to show proof of proper identification., after a few weeks, we were shown a chargeback on the chase business merchant account, we contacted the bank, chase merchant customer service, they asked to send copy of the screenshots and the receipt along with the customer 's signature, and that was exactly what we did. 
The merchant sent all the evidence, and they rejected it and took the money awat from us, which definitely is outrageous, as we did everything in our power to make sure we identify the client, we lost super expensive merchandise as well as the money is not in the bank, chase XXXX customer service said to hire an attorney??? 
We ask for your help, we are puzzled and have no idea who else to turn to, and what to do here. 
The name of the store is XXXX XXXX XXXX XXXX XXXX XXXX Ohio. Merchant account id # XXXX
Product: Debt collection

I had 2 credit card with the XXXX bank  which were sold to XXXX bank. I had a law suit filed by XXXX Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/XXXX I received the phone call from Associated Credit Services. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that Associated Credit Card Services Rep is talking about the second card and I settled the debt for {$3000.00} with the Associated Credit Services , Inc ph : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXXXXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX ). 
Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). 
I called XXXX Bank and they said that they never received the settlement from Associated credit services nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to Associated Credit Services settlement. They reject to discuss and say that they never received the money from Associated credit services. 
I haven't received the confirmation of the settlement from either Associated Credit Services or XXXX Bank after multiple requests. 
XXXXt bank denies that the settlement with Associated Credited exist and that they received the money and Associated credit Services has been promising email/mail the confirmation of the settlement since XXXX, XXXX. 
I made multiple phone calls to Associated Credit Services and they always say it's on its way. I talked to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and other people. It's already about 3 months since I am trying to resolve the issue and none of the parties involved acknowledge the settlement done by associated Credit Services with official letter and XXXX Bank denies it at all. I apid for the same settlement twice and it seams like a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXXXXXX XXXX XXXXXXXX Account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Equifax has a totally different credit profile on annualcreditqreport.com. Also, I have provided proof of being a victim of identity theft. I have filed a complaint with XXXX and my next actions will be to have an intent to file a lawsuit.
Product: Credit card

On or about XX/XX/year>, I realized that I had not made a XXXX payment on my Macy 's credit card. I made a payment twice the amount I would normally pay. When I received information about my account I was informed that a late fee had been charged. I was on the phone with a representative of the department store. I asked if the late fee could be waived. I was told yes it could be waived. When I received my statement I was informed that the amount due exceeded the usual amount due and had increased by an amount more or less equal to the late fee and the amount of the initial late fee had been subtracted from the total balance. 

Despite agreeing to waive the late fee, the store subtracted the late fee and then added it to the amount due. I was informed by the representatives to whom I spoke that whatever amounts I did not pay would be added to the monthly amount due, with no way of calculating the increasing debt until the amount requested each month was paid in full. In XXXX I paid an amount that omitted payment of the odd accounting fee demanded.by Macy 's. I can not determine what is a a normal or valid monthly amount due and I have never had a fee waived and added back as another charge. This appears to be a bad faith business practice, based in fraud and usury. At this point the department store is demanding {$230.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as the monthly fee, and alleges that {$140.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is past due.
Product: Credit card

Original Complaint On XX/XX/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023, the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX XXXXXXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the delivery date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either. 

Company 's Response We reviewed your account and confirmed that our previous findings for your {$2600.00} charge from XXXX XXXX on XX/XX/2023. The charge is valid because we have not received valid supporting documentation showing you attempted to cancel prior to delivery, and attempting to return the product. If you can provide proof that you told the merchant that you wanted to cancel prior to the delivery date and requested a refund with the merchants response ; we will review the case again. The documentation that we received is not valid, it does not indicate you requested to cancel and want a refund. The charge will remain on the account. We encourage you to work with the merchant directly, or seek other options outside of the dispute process to obtain a credit. 

My additional information, I did provide evidence that I wanted the order canceled. Attached I am providing the whole email change. I clearly asked to have the order canceled.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX Account # : XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of a charge-off entry reported on my credit file, referenced by account number [ Account Number ], which is listed under your bureaus credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) : [ Insert reason for dispute here. For example : I did not authorize the charge-off, as I had been in consistent communication with the creditor and had made timely payments prior to the account being reported as charged off. ] In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately.

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation.

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution.

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received alerts notification XXXX XXXX that I had a new inquiry on my account. I immediately called Capital One to dispute the inquiry. Capital One told me to take it up with the credit bureaus. I told Capital One that it was there company that filled the inquiry and therefore they needed to remove it. 
Then on XXXX XXXX another inquiry popped up. I followed the above steps. 

After filing disputes, freezing my credit reports, and requesting fraud alerts, I even emailed the CEO of Capital One about the matter. 

I am in the credit repair stage and I have not been trying to get any tupe of credit cards. This is a fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Product: Debt collection

I am applying for a mortgage and Resident Collect of XX/XX/XXXX, Texas put an item on my credit report that says I owe {$7000.00}. I had disputed this debt years ago, and requested the company give me a breakdown of the alleged debt and they failed to do so at the time.
Now, the piece is still on my credit report and I attempted to contact Resident Collect to get a letter clearing me of the debt. When they did not respond to me, I hired an attorney to discuss it with them and they emailed the case was closed to him. However, they did not provide him a letter, and later the same employed tried to email me directly and said I needed to pay {$3600.00} to solve the issue.
My lawyer, the credit company my mortgage company uses and I have all tried to get this letter and this issue close, but Resident Collect is unresponsive and uncooperative.
I need a letter clearing me of this debt, as the company that originally claimed the debt has dissolved and the statute of limitations for collections has expired in my home state, the state the defunct company is in and the state of the collection agency.
The mortgage company will not issue it until I get this cleared up, and we have tried to clear this matter for 4 weeks.
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm disgusted and upset that the Credit Bureau is not taking my request to investigate the inaccurate and misleading information on my consumer report seriously. I've sent a certified letter over a month ago, requesting the agency to verify and accurately identify these accounts, and If they can not accurately identify them delete them immediately.

To date, I have not received a response from them yet.

In accordance with federal law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

They must delete them.
Product: Money transfer, virtual currency, or money service

Paypal has restricted my account because I filled disputes that where legit and not to abuse the dispute resolution center I have provided the correct information to the disputes department that shows the person name and account that my debit card was used and I have provided countless documents stating who used my paypal account I was not actively using my paypal account so it was compromised and I didn't know and I have provided all this information to paypal dispute department and you guys still restricted my account even after disputes where resolved in my favor and I still have on going disputes that paypal debit card department is still investigating my account was restricted for no reason I was not abusing the ability to dispute fraud charges to my account this is ridiculous and I would like my account to be reinstated asap this is ridiculous I haven't done anything wrong and I still have money in the account that I want out asap this is not fair to me because my card and account was compromised and I provided details and paperwork showing it wasn't me making these charges and you guys still restricted my account this is unacceptable I want access to my money asap this is ridiculous
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX {$340.00} American Express Serve An transaction was not authorized by because an error on a website. Call American Express and ask to a manager and my issue with the transaction was not taking care of and remains on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Hard Inquiry/Unverifiable on my behave. I recently checked my credit reports with XXXX, XXXX, Transunion. I have Two Hard Inquiry from company : XXXX XXXX Hard Inquiry done XX/XX/2017 and XXXX XXXX. 
XXXX XXXX XXXX, XXXX CA, XXXX ( XXXX ) XXXX. I have not yet received any return correspondence, at All.From neither companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank inquiry XXXX XXXX  dated XX/XX/2020 is over two years old and Experian has not deleted it in accordance with the FCRA
Product: Consumer Loan

I settled a charge off account for partial payments. As I have been paying near 2 years, I called and asked to settle the left over balance of {$540.00} to less own balance. Toyota collections settled for {$260.00} to {$0.00} balance on XX/XX/XXXX. I then check my credit report and they reported wrong information. I contacted equifax for dispute and after 30 days, the dispute still pending and information is not correct. Therefore the negative information should be deleted by XXXX as Toyota failed to report correct information due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries and inaccurate account information