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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX 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. These are the accounts that Ive marked inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I.
Product: Credit card or prepaid card

I purchased a television from Walmart.com on XXXX XXXX for {$4600.00}, using PayPal Credit. 
Since the product was not delivered on time even after 20 days and as there was no communication from Walmart.com and the Seller XXXXXXXX XXXX  about delays and new updated delivery date, I cancelled the order. 
The seller agreed to refund me {$4300.00} keeping shipping expenses and thus Walmart.com refunded {$4300.00} on XX/XX/XXXX, to my PayPal Credit account ( Transaction ID : XXXX, screenshot attached ). 
I also thus never received the Television. 
I also promptly paid the balance of {$350.00} to my PayPal Credit account on XXXX XXXX, expecting a {$0.00} balance on my PayPal Credit account due to this transaction. 

I had also filed a dispute with PayPal Credit that the seller was wrong to deduct {$350.00} since they did not deliver the product when they promised even after many days ( more than 2 weeks ) and not communicated to me about the delivery new date. 

But for some reason, PayPal Credit returned the entire refunded amount of {$4300.00} to WALMART.COM and charged Re charged my account for the full {$4600.00}. 

I also made a balance payment of {$43.00} on XX/XX/XXXX for the XXXX XXXX on my account. 

I have called PayPal Credit multiple times and their Customer Service representative noted the whole scenario and filed a dispute for me but no action has been taken by them. 

So now I am in a situation, where I dont have the Product and I have a Current balance on my PayPal Credit account. 

I have attached my original purchase and the refund transaction screenshot to my PayPal Credit account. 

Thanks Sincerely, XXXX XXXX
Product: Student loan

During XXXX and XXXX, I requested to be place in the PSLF plan and was told several times by Navient that I did not qualify. During this time, I worked for XXXX XXXX XXXX in the XXXXXXXX XXXX. I was unable to make the payments and therefore my account went into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes every 45 days since XXXX. Transunion hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my report since XXXX and Transunion has refused to respond. I have the email from XXXX executive office stating that it should be deleted and Transunion still hasn't responded. 
XXXX keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. XXXX  also refused to respond or update my file. XXXX  says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Credit card or prepaid card

Withdrew {$1300.00} ( 4 Transactions, XXXX ) from Terminal XXXX XXXX XXXX, New York on XX/XX/2020 . Went directly home to divide $ for payments to creditors. Counted out only {$840.00}, Shorted {$480.00}. Went back to XXXX and I was told to call Comerica DirectExpress. After 2 requests to get required paperwork that I was told had to be filed, it took 15 days to receive. Faxed & mailed back on XX/XX/2020 and received form letter back dated XX/XX/2020 that it was determined no error had occurred. Requested copies of papers used in determination. Received just the paperwork I sent them. When I tried to contact Comerica DirectExpress to resolve this, I am locked out as Comerica XXXX has determined the issue closed. I have contacted XXXX of terminal XXXX and they have no inquiry from Comerica DirectExpress and can do nothing without Comerica DirectExpress inquiry. Sent affidavit of the facts to ComericaDirect-Express XX/XX/2020 with a 10 day response time or be in dishonor!
Product: Checking or savings account

I opened up a new account with XXXX  which is associated with FNBO Direct where I also have an account. Soon after I opened up the account they restricted my access to my funds and did not notify me. I only noticed when I logged in and it stated my account was restricted. They do not have anyone available to speak with and you have to use chat where they get back to you in 2-3 business days. 

They have not responded to why my account funds are frozen. They came from a bank they are affiliated with and I have had for years, FNBO Direct. 

This bank seems like a scam and should be shut down.
Product: Credit reporting

On my credit report. It says I owe XXXX to some said company. This was back a year ago. It says dispute was resolved ; customer disagrees. I closed my cable account and gave them equipment back and left for the military. This is till showing I owe it a year later. I want this off. It has no reason to be there. XXXX dollars for a whole year and I do n't get called on it anymore? It is not needed to be on my report and needs to be fixed.
Product: Credit reporting or other personal consumer reports

I rencently I locked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened two credit cards in my name with Florida addresses.I have never lived in Florida. or visited that place in the last five years.All the charges on the cards were made in Florida.Citibank charged off one of the account on XX/XX/XXXX. 

Opened a dispute with XXXX about inaccurate information on my credit report in XX/XX/XXXX. In XXXXCitibank did not charge off one of the accounts and i still have this inaccurate information and wrong addresses on my credit report.They have two Florida  addresses on my credit report that is false.This information is ruining my credit.I was unable to buy anything with this credit card because it will always decline payment.Lo and behold i got a bill from the bank saying i owe them {$8000.00} in credit card bill on XX/XX/XXXX. I also have never owned any credit card with the numbers Citibank is sending to me.Citibank also sent correspondence stating that my statement notification email was returned undeliverable and that i should make sure that my email is up to date. I am still receiving credit card bill every month which has now surpassed {$10000.00} and is still on my credit report. 
Yours Respectfully.
Product: Credit card or prepaid card

Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Product: Credit reporting, credit repair services, or other personal consumer reports

address
name
accounts 
wrong


XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX

XXXX  XXXX
XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX


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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am not sure how or who got my information but it XX/XX/XXXX! I've never felt more vulnerable.I don't know how i can fix this situation but I will try my best. I submitted a complaint with the Federal Trade commission for starters.Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt
Product: Credit card or prepaid card

On Saturday XX/XX/2018 I went to Best Buy to pick up XXXX security cameras. While checking out the sales man asked if I would like to sign up for a Best Buy credit card and save 10 %. Since my purchase was approximately {$1600.00}, I agreed and submitted my application. With a credit score over 820 and no debt I didnt not think it was a problem until the salesman asked if I could speak to the credit agent on the phone. The agent confirmed my salary then informed me I was denied for the no fee credit card offer but that I did quality for the gold card which had an annual fee of {$59.00}. I advised the agent that I did not want the gold card but the card that gave 10 % back at time of initial purchase. I asked how it was possible that I could qualify for a more difficult card to get but be denied for a lesser card to which he had no response. I advised that this behavior was deceptive and predatory as his intent was to deny my application, which would negatively hit my credit report, unless I signed up for the card with the annual fee. As my credit is near perfect this is abusive, harrassing, aggressive and deceptive behavior. I used my XXXX XXXX card instead for the purchase. Please contact me for additional information in order to investigate.
Product: Bank account or service

I cashed US Savings Bonds at Valley National Bank, XXXX, NJ. Upon receiving my XXXX from the bank one was recorded for the whole amount and not excluding the principle. I have called the banks customer service, spoke with a branch representative, wrote their executives and have yet after over a month received a corrected XXXX. Here is the text of my email on XXXX XXXX and resent second request on XXXX XXXX. 

XXXX XXXX XXXX - President Valley National Bank : Dear XXXX, I usually write to XXXX XXXX when the occasion arises however, I decided to give him a break. Unfortunately, as a Valley customer and shareholder I continue to have issues with the bank except when I go to the XXXX XXXX Branch. That said I cashed numerous US Savings bonds that are now maturing after 30 years. Last year from mid-year on I cashed XXXX, this year will be XXXX at XXXX per month. I cashed all in XXXX XXXX except XXXX and XXXX of the XXXX cashed in the XXXX XXXX XXXX branch was incorrectly recorded. Why I know and why it sticks in my mind is that although I have multiple relationships with the bank, put my driver 's license through your system and opened the accounts in that branch the CSR proceeded to demand ID and she even wanted my Social Security card which I do not carry. This is all even with me depositing the proceeds into the passbook opened in that branch. Please see below. 

On the VNB XXXX received the bond number is XXXX and the amount recorded is {$110.00} which should have been {$90.00} since the bond at that time was a {$50.00} bond that you paid {$25.00} for hence the principle amount. On XXXX XXXX after a long and arduous conversation with customer service they connected me with XXXX from the XXXX branch. After discussing the XXXX at exhaustion she agreed it was wrong and put me on hold, made some calls and when she came back advised I would be getting a revised XXXX. Well today is XXXX XXXX and I have yet to receive a simple correction. Sadly, the additional {$25.00} shaves off {$15.00} additional off my refund. It is a miniscule amount but why should I be penalized for the poor work on behalf of a VNB employee, would you not agree? 

Before I go further, I am respectfully asking for your help. 

Very truly yours, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of Identity theft and theres 3 accounts that Ive never apply for called Island Finance account # XXXX Open on XX/XX/XXXX for the amount of {$2300.00} account that I did not apply for that account that appear on my XXXX Credit Report I spoke to XXXX from the debt collection dept and was told that she couldnt help, she suggested me to pay the remaining balance. 

on XXXX XX/XX/XXXX this account called XXXX account XXXX that was obtain by someone who stolen my identity, open a loan under my name, appears in My XXXX  CreditReport I never apply for this loan, I spoke to the collection department of XXXX and they didn't want to help they just wanted the payment of {$2500.00} I explain to the representative that Ive never obtained that loan and they suggest me to pay the balance and they will stop calling and harassing me. 
This account also appearing on my XXXX Credit Report On XX/XX/XXXX XXXX XXXX Open a Fraud account in the amount of {$2300.00} I spoke to XXXX of the collection debt dept and was told to pay the total amount, I told her that account was not obtained by me it was open by some one who stolen my identity and she keeps calling and calling harassing me to pay
Product: Student loan

Received letter from supposedly student fianacual aid. I called the number as it had all my loan informatio ln on the letter. Once I called they asked me several questions about my income and employer. I did provide with my drivers license and address. However once they requested my bank information routing and all that information I hanged up as I thought it was scam. They wanted me to start making payments for reason they wanted my bank information. The number the letter had was XXXX I spoke several times to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account don't belong to me and or I never made late payments on them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX XXXX stated that since this was already registered on my credit report as a judgement they can not take the case. XXXX XXXX XXXX employed Njus Myeres who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! XXXX XXXX XXXX XXXX or this Njus Myers. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from XXXX XXXX XXXX XXXX XXXX XXXX and Njus and Myers from XX/XX/2010 to XX/XX/2010
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a NETSPEND card and loaded {$100.00} onto it for paying bills. I have a XXXX XXXX XXXX with a XXXX XXXX who got ahold of the card and called the activation line he only gave them his name and hung up ( he is XXXX and doesnt understand mentally what he was doing ) .I called later that morning to activate the card gave them my social security number, Birthday etc and I was transferred to a customer service rep who stated that I had to email them a copy of my social security card and ID as well as my childs ss card and birth certificate and proof of address and they stated that the funds would be released within 6hrs. Instead they then requested the mother of my childs info so thought it was absolutely absurd but we complied.they wont except her Ohio state issued ID that she purchased that same day and they want court papers stating her name was changed except her social security number has never changed from her maiden name so we can not give them things that dont exist and they claim without it we can not get our money. Well first of all we dont understand why, how or if its even legal to do this because its not in her name in the first place, secondly they said if we provide proof of my identity that it would be released within XXXX I comply its accepted and they then want something else and the things theyre asking for are rediculous. It is now XXXX XXXX and my phone and electric are shut off because I can not pay my bill.Im XXXX and have XXXX XXXX children one whom is chronically ill with a XXXX XXXX and fluid problems in his XXXX he spends weeks and sometimes months in the hospital and this company has seriously caused us tremendous hardship. I have several emails to show the constant changes in whats required and I saw that the FTC has a lawsuit against them already for similar consumer rip offs.if you can please help me Id gladly share my experience with others to prevent this company in my oppinion scamming others I wish I had never used this service. It was the first and I assure you the very last time Ill be a netspend customer.thank you
Product: Checking or savings account

For well over 6 months, Bank of America has been attempting to fix a problem with the " Extra Security at Sign On '' feature ( 2 factor authentication ) that allows consumers to secure their bank accounts by receiving an access code by email or text in order to access the account. 

It doesn't work and when it's enabled I simply receive " We're sorry, but we're currently unable to complete your request. Please try again later '' and get locked out of my account and unable to access anything until I call BofA and get a customer service person to generate a code and disable the defective feature. 

There is an open case with technical support.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting on my credit reports. This account had fraudulent charges back in 2012 its been 8 years and after 7 years its supposed to be removed. This information is still affecting my credit score in a negative way. I have disputed and noted that fraud was charged years ago on it.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Certain listed accounts are reported inaccurately and should be promptly expunged.