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

Subject : Formal Complaint Against Equifax for Failure to Investigate Credit Report Dispute Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax Information Services LLC for failing to properly investigate inaccuracies on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I have previously submitted disputes on XX/XX/scrub>XXXX XXXX XXXX  to Equifax regarding incorrect information on my credit report account named XXXX XXXX XXXX, yet instead of investigating the inaccuracies, Equifax has engaged in stall tactics by repeatedly requesting unnecessary and sensitive documents. These requests for additional identification are unwarranted, as Equifax already possesses sufficient information to verify my identity and conduct the required investigation. 

Issues of Concern : Failure to Investigate : Equifax has ignored my previous dispute and has not taken steps to correct the inaccurate information. 
Unwarranted Requests for Sensitive Documents : Despite being provided with all necessary details, Equifax continues to demand sensitive documents ( such as my Social Security card, pay stubs, and utility bills ) as a condition to process my dispute. This appears to be a deliberate delay tactic. 
Violation of FCRA : Under the FCRA, Equifax is legally required to investigate my dispute within 30 days of receiving it. Their failure to act is a direct violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my accounts in 2013 and all of them are still on the credit report.
Product: Credit card

Chase charged me XXXX {$10.00} " transaction fees '' but didn't indicate what the fees were for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natual person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed/deleted because according to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these account is not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX ( XXXX ), has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I submitted paperwork and was approved for the XXXX XXXX. I have worked the same non for profit and had my loans for 14 years. Then I get a message from Mohela that my student loan payments have started back up and I was confused b/c last I heard all my payments were forgiven. I first called Mohela and the person I spoke with stated that sometime during my process XXXX changed criteria and no longer accepted " copied/scanned '' signatures ; they needed to be " wet '' signatures. So the application that student loan.gov will not accept/approve b/c of copied/scanned signatures from my employer which means the system shows I still OWE THE PAYMENTS and now I '' m 39 days past due. I called Mohela XXXX other times. All conversations documented. I'm currently been on the phone with Mohela for XXXX hour XXXX mins. I was talking with a representative that put me back on hold forever then told me he had to transfer me to someone else?!?!?! Guess what, I'm still on hold!!!!! His name is XXXX employee number XXXX. The time before this I spoke with a lady that stated she will put my loans in " deferment '' until my application has been processed and approved. I have XXXX reference numbers- # XXXX and XXXX. Seriously!?!?!?! is this acceptable treatment of customers???!?!?!? I am at work trying to do my job as I wait on the phone. This is horrible. Everytime I call, I get different answers!!! AND I'm not getting anything resolved and I am NOT paying b/c I know when my application is approved, I will have to wait to receive my money back from the government!
Product: Checking or savings account

On XXXX XXXX, XXXX, my card was illegally skimmed by ATM skimmers, who likely modified a machine I used near XXXX, TX, on XXXX XXXX, XXXX. The thieves made their way to a XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX, where they used my skimmed card information to withdraw {$100.00} seven times, resulting in almost {$800.00} of stolen money. At the time, I was at home ( with my wallet ) eating lunch when I received two ATM Decline fees for XXXX cents each. Because I have never withdrawn so much money in a single day, I didnt understand what an ATM Decline fee even was! Upon checking my account, I see that my funds have suddenly dropped from {$1600.00} to {$870.00}, and the ATM Decline mechanism probably saved my money from being wiped out in a single day. I believe that the thieves modified the machine at another XXXX XXXX ATM and then stealthily made their way to a different location to avoid suspicion. 

Afterward, I immediately called American Express Serves customer service team to understand what was going on, and they discovered that my card had been illegally used at a local gas station. They instructed me to freeze my account, cancel my card, and open an investigation immediately to stop the thieves from stealing again. 

However, American Express Serve refused to credit me the stolen money, accusing me of authorizing the transactions instead. When I asked them how they arrived to that conclusion, they instructed me to write them at XXXX XXXX XXXX, XXXX, Georgia, XXXX, which I did, but I havent heard back from them yet. I am formally accusing American Express Serve with financial malpractice, not protecting their customers from XXXX XXXX XXXX, and refusing to offer customers provisional credit without any evidence. 

Thank you for reading my short statement!
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Reporting Act ( FCRA ), specially Sections 611 ( 15 U.S.C. & 1681I ) AND 609 ( 15 U.S.C. & 1692g ), I am writing to dispute the following colection account that appears on my recent credit report : * XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX * XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX I did not authorize this account and do not recognize the mentioned dbt. I request that you investigate this account and remove it from my credit report as soon as posible. 

In accordance with the FDCPA, specially Section 809 ( 15 U.S.C & 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in a accordance with the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

CREDITOR REFUSES THIRD PARTY VERIFICATIONS TO WHOM IT MAY CONCERN XXXX XXXX XXXX XXXX  a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt, it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATIONS Under, XXXX XXXX XXXX XXXXXXXX purposes of consumer reports ( a ) IN GENERAL Sub to subsection ( c ) any consumer reporting agency may furnish a consumer report to report anything on my consumer report under the following circumstances and no other : ( 2 ) In accordance with the RIGHTS under the Fair Credit Reporting Act ( FCRA ) of the consumer to whom it relates. I NEVER gave any consumer reporting to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am requesting deletion of these accounts listed IMMEDIATELY!!!! 

My contact information is as follows : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX Please remove any other addresses P.S. Please be aware that depending upon your responses, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses on my report where I never lived and accounts I never opened.
Product: Credit card or prepaid card

CapitalOne is the card issuer. I signed on to the card offer when the promotional APR was 0 %. I had used to card to transfer higher interest cards over to ease my payments. At the end of the promotional term, the rate jumped to 22.9 % even with my always On Time payments made at minimum amount but mostly with an amount over the minimum due.    Original Card Agreements s tated : ( APR ) fo r Purchases:0 % i ntroductory APR through you r  XXXX /2016  billing period. After that, your APR will be 12.9 %, 17.9 % or 22.9 %, based on your creditworthiness. This APR will vary with the market based on th e Prime Rate .     My rate is now 23.40 %  ( Current Prime Rate  - way to stick it to me! ) and accruing steadily - taking advantage of my hardship even when I phoned them directly after learning my job was going away. I had knowledge of company closing in  XXXX     2016. I W orked until end of  XXXX     2016. I mad e all payments even if just the minum oOn Time until the last 5 months. And now, the la st 4-5 mo nths Its over my head. I 've struggled to stay on top of payments and I have not yet landed gainful employment. I am optimistic I will in the next few weeks. Trying very hard to do so!
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX This above company calls me day and night about a bill they claim I owe. This is their suppose to be account that they claim they have on me. # XXXX Reference number : XXXX I emailed and told them they have the wrong person. 
The Person name they sent in the letter is : XXXX XXXX XXXX at my address. 
Never heard of the person, don't know who she is. 
They states it's a Capital One bank N.A. debt. 
They states on the letter that it has a XXXX  balance, yet they still keep calling me and not the person on the letter. I emailed them letting them know they have the wrong person. Yet they still call morning and evening.
Product: Credit card or prepaid card

Store Return XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2018 Transaction ID : XXXX XXXX XXXX 2018 Merchant Credit Hold for Review - XXXX XXXX XXXX XXXXXXXX PROCESSING - {$96.00} Why isnt the money available now? We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. 
Transaction ID : XXXX Why does it take a whole week for American Express to refund my money. Why do American Express have to review a refund that takes 7 days. It is now day 5 and it is inconsiderate and wrong for American Express to just hold my funds when I have bills to pay. American Express policies are erroneous and does not benefit us customers, but instead add more stress and mistrust in American Express.
Product: Credit reporting or other personal consumer reports

I've formally requested an investigation into these accounts due to inaccuracies in my credit report. Attempts to contact the creditor for managing and removing the account have been made, as FCRA 605B mandates the removal of any erroneous accounts from a consumer 's credit report. Urgent resolution of this issue is imperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 while reviewing my consumer report furnished by XXXX, I noticed an unauthorized inquiry initiated by FORD MOTOR CREDIT CORP in which I did not authorize or consent to. 

On XX/XX/21 I sent FORD MOTOR CREDIT CORP a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified FORD MOTOR CREDIT CORP that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that FORD MOTOR CREDIT CORP isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that FORD MOTOR CREDIT CORP provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from FORD MOTOR CREDIT CORP alleging that they are unable to research the issue. 

On XX/XX/21, I sent FORD MOTOR CREDIT CORP a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g.

FORD MOTOR CREDIT CORP has been non compliant to my demands. FORD MOTOR CREDIT CORP has failed to respond or send the requested documents. FORD MOTOR CREDIT CORP is violating my consumer right to validate the debt pursuant 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} 3 )  XXXX XXXX XXXX 4 ) XXXX/ XXXX XXXX XXXX 5 ) XXXX   XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX/ XXXX Please block the above accounts.
Product: Checking or savings account

I never tried to open an account with Wells Fargo. 
I received a letter in the mail from Wells Fargo dated XX/XX/2021, saying Thank you for your interest in an account with Wells Fargo. We were unable to open an account based on the information you provided in your online application. However, we may be able to open your account in person at a branch. Please bring at least two forms of valid identification w ith you to a Wells Fargo branch so we can verify your identity. " never tried to open an account with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I joined BoA in XXXX of 2023. I received one SSXXXXI payment into my account and then switched to XXXX XXXX around XXXX. I kept the account open but made no transactions. I switched my SSXXXXI back to BoA in XXXX. I then waited until my payday of XXXX XXXX to withdraw my {$1000.00} only to be unable to in any manner. After many calls to customer service and going to two branches they tell me my account is on a " credits only '' status and this usually only happens with or concerning fraud on the account ( boa didnt tell me there was any fraud but after researching it myself this has to be the case ). Not once in over 5 attempts did they tell me how to release my account so I can access my funds. Nor did they inform me at all of any of this.information. I researched it all myself. In addition to that, they also lied to me stating, " Once the transaction posts we will close the account and send you a check with the remaining balance ''. Well, they are lying to my face because my check posted on XXXX XXXX and we are on the XXXX and they have made absolutely zero effort to actually help a homeless, XXXX man in XXXX XXXX actually live and get my money flowing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I asked the transaction he halted and the company be blocked. Rude customer service said nothing they can do about it, it's pending and they were done discussing or further assisting me on the matter. {$9.00} was charged to XXXX and there's absolutely no account with them in my name whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$2000.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$240.00}XXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}, and XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}. Please update.
Product: Credit card or prepaid card

The company didnt provide a resolution for this account. When I called the XXXX XXXX XXXX they said they dont have the account, but that Barclays has it they are still lying and giving false information.
Product: Credit card

Re : Dispute XXXX CITI Credit Card XXXX XXXX Dear XXXX, We upgraded our XXXX XXXX concert tickets to the XXXX XXXX XXXX which included access to the XXXX XXXX. This XXXX XXXX was granted from XXXX XXXX XXXX as shown on XXXX XXXX instructions. We would not have had access to this XXXX had we not purchased this upgrade with the tickets we had. These are all facts that can not be disputed by the merchant. A large part of our purchase decision was based on having access to the XXXX XXXX from XXXX to XXXX, which is a longer timer period than the other items included in this XXXX XXXX upgrade ( more than 50 % more time, which is why I am requesting a 50 % refund ). We knew about XXXX XXXX access before we purchased this upgrade. 

This XXXX was a temporary tent in a parking lot outside the venue, with port-a-potties. There was not enough seating for everyone present and half the limited number of chairs were in the sun. This was not a relaxing room it was a tent in a parking lot with no air conditioning. These photos were taken before about XXXX people showed up, which was more than triple the amount of seating of XXXX chairs. How can this be considered a lounge if you cant even sit down and relax? This is truly false advertising. 

A lounge is defined as a room in a usually public building or vehicle often combining lounging, smoking, and toilet facilities according to XXXX XXXX. XXXX defines it as a place for sitting, waiting, smoking, etc., especially a large public room, as in a hotel, theater, or air terminal, often with adjoining washrooms. XXXX defines it as a comfortable room where people can spend time while they are waiting in an airport or other public place. 

If you perform a XXXX image search for XXXX  XXXX absolutely NONE of the images resemble what we paid for. I implore you to do the same image search and compare images. 

As you can see, this was not what we purchased. We purchased an experience with XXXX hours of XXXX XXXXXXXX access. This was not a room, it was a outside tent. This was not comfortable ; it was outside in the heat with not enough chairs. This was not labeled as a XXXX  XXXX- It was mentioned multiple times as a XXXX XXXXXXXX. To even get to this location, we had to exit the venue ( which has no in and out privileges ) and walk down to the middle of a parking lot! 

As half the time period of this experience was clearly not as labeled, I need a 50 % refund. This is reasonable. I have enclosed photos. 

This is misleading and deceptive advertising. This simply was NOT a VIP XXXX. For this reason, we deserve a 50 % refund. A tent in a parking lot outside the concert venue with port-a-potties is not a lounge.