23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was involved in a car accident. I was driving my XXXX XXXX it was totaled. The insurance card I provided the police had XXXX vehicles on it. The XXXX XXXX and a XXXX XXXX. I knew after having the accident the insurance on the remaining vehicle ( XXXX XXXX ) will probably go up. So I started looking for new quotes for the XXXX on XX/XX/XXXX. I was told my XXXX XXXX and XXXX that they could not insure my vehicle because it is being reported by Lexisnexis as salvaged. I called my current insurance carrier and they said they did not report anything on the second vehicle. I have been calling & emailing Lexisnexis EVERYDAY to dispute this error. Each time I call they claim that they are doing a system update, therefore they can not access my reports. Im the consumer and you cant give me my report but you can give incorrect information to businesses that inquire about me. Now my finance company is asking me what is the status of the XXXX. When I called Lexisnexis again today this representative finally told the truth that there is an error with my file which is preventing them from access. So. They see there is an error but no one is going to fix it. Please help before I get cancelled by my insurance and my finance company reports this vehicle as a write off!!! I already emailed Lexisnexis a copy of the ticket that proves the XXXX XXXX XXXX was the vehicle involved
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C., by XXXX, Experian, and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. Despite my disputes over the past year, these credit reporting agencies ( CRAs ) continue to unlawfully report this bankruptcy, falsely stating it has been verified by the furnishers U.S. Bankruptcy Court XXXX XXXX XXXX and XXXX. I have a letter from the U.S. Bankruptcy Court XXXX XXXX XXXX confirming they do not report bankruptcy information to any CRAs, including XXXX, Experian, and XXXX. Also, I have a letter from XXXX confirming that the bankruptcy has been deleted from their records. These are the violations under the FCRA : 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The CRAs have failed to ensure the accuracy of the bankruptcy information reported and relied on unverifiable sources.15 U.S.C . 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, CRAs are required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. The CRAs failed to perform a reasonable reinvestigation, as evidenced by their reliance on false verification. 15 U.S.C. 1681s-2 ( b ) : Information furnishers are obligated to conduct a reasonable investigation when a dispute is forwarded by a CRA. XXXX has already deleted the bankruptcy, indicating the information being reported is inaccurate. The CRAs refusal to correct this inaccurate information has caused significant harm to my creditworthiness, emotional well-being, and financial opportunities. On XX/XX/year>, I filed a CFPB complaint, and the CRAs falsely claimed the bankruptcy information was accurate and verified. Also, on XX/XX/year>, I filed a CFPB complaint with XXXX and they have deleted the bankruptcy from their records.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions of supporting documentation, Equifax consistently responds within XXXX hours stating that the disputed accounts are accurate, without providing any evidence of a thorough investigation. This practice is a direct violation of 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 Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding. 

I am specifically requesting the removal of the following negative accounts from my credit report, as they are either inaccurate, unverifiable, or improperly reported : XXXX Account number XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX Account XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, I demand that Equifax conduct a proper and lawful investigation into these disputes, provide evidence supporting the accuracy of the reported information, or immediately remove these accounts from my credit file. Failure to comply with these legal obligations XXXX result in further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and potential legal recourse. 

Please confirm receipt of this complaint and provide a written response detailing the steps taken to investigate and resolve these disputes.
Product: Money transfer, virtual currency, or money service

When I Zelle money to XXXX XXXX or XXXX  XXXX XXXX, the money is available instantly, but when I send money to XXXX XXXX, the money is not available until 24 hours later. I called the bank, and said it's not them but Zelle is withholding it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account was created instead just disabled my actual account with Transunion. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information. 

This will be my second attempt to gain more information regarding this second online created through the Transunion website as the first response did not address this concern. A major breach to my credit file was completed via the Transunion website and no information regarding this secondary online account was address or released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been seeing for sometime now a report a XXXX XXXX from a company name XXXX XXXX XXXX. I searched them up and send numerous emails and calls but never got a reply. 
I already complained about this in the past. 
Frankly speaking I didnt know what this was about until I learnt initially that it was linked to a cable company I had even ceased my contract with one year prior with my account in order. 
I owe nothing to no company! 
Please remove this from my account or give me the details of what you pretend I owe so that I can go after the company because I dont owe anything!
Product: Debt collection

I have received emails from XXXX XXXX XXXX, the latest dated today, XX/XX/year> about a debt that I do not owe to XXXX XXXX XXXX on behalf of another third party collector LVNV, via an additional 3rd party collector. At this point I am FED UP with this nonsense and I am reaching out to the CFPB. I am not sure who these people are other than they are a 3rd party agencies. I do not have an original contract from or with them, nor anything ( statement ) that shows what was supposed to have been charged! I do not owe them anything! I am feeling harassment, that is illegal. I do not have an agreement with them nor do I know who they are. I am requesting a cease and desist from XXXX XXXX XXXX and LVNV. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA N account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE BANK XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX XXXX XXXX for a XXXX since they charged-off the debt and claimed it as a loss and they failed to do so. 

The information reported regarding the above-referenced account is inaccurate and incomplete. A charge-off is being reported without any corresponding issuance of a Form XXXX by the creditor, which raises questions about the validity of the alleged charge-off. According to IRS regulations, when a creditor cancels a debt of {$XXXX} or more, they are required to issue a Form XXXX to the debtor for tax reporting purposes. The absence of such a form suggests that no valid cancellation of debt has occurred, and thus the charge-off reporting XXXX be improper
Product: Credit reporting or other personal consumer reports

There is a collection agency by the name of XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with Sychrony bank with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I wish to query certain records in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 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: Mortgage

I Just my home in XX/XX/XXXX for XXXX. In XXXX we fell on hard times due to son being ill. We filed chapter XXXX in XXXX hit the lottery for XXXX XXXX paid all post and prepetition debts mortgage increased XXXX a month. Again in XXXX husband became ill fell behind on mortgage entered in a new chpt XXXX in XX/XX/XXXX decided to sell home principal balance was XXXX sold for XXXX recieved XXXX at closing PHH stated payoff was XXXX as of today I do not own the home they are still reporting delinquent still trying to foreclose and staying I owe XXXX although I have all documentation. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXX 's data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. 5
Product: Credit card or prepaid card

On XX/XX/XXXX I cancelled a subscription with a merchant, but the merchant continued to charge my credit card and not deliver any goods. After XXXX  the merchant ( XXXX XXXX XXXX ) it seems they shut down the business but continued to charge old customers ' cards without notification. 

I opened a dispute on XX/XX/XXXX to dispute 15 charges against my account totaling {$320.00}. I put a hold on my account to prevent future rebills. 

American Express recently said over chat ( log attached ) that they will only investigate the last 60 days. In my first conversation they said they were investigating all of them. On their website it says at least 120 so I don't know what is correct. 

I received 2 refunds of {$21.00} each for XX/XX/XXXX and XX/XX/XXXX totaling {$42.00}. I received a card declined notification for the charge in XX/XX/XXXX so the merchant was still fraudulently billing. 

This dispute is for a recurring transaction and not just 1 transaction so they don't require investigating each one. All of them should be reversed. I have provided evidence to their customer support already and the response was that they will not investigate it. 

The business doesn't even exist so I don't know how AMEX allowed them to keep charging my card.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 there was a letter sent to equifax asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as charge off and collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Prepaid card

I just started using American Express Serve. I went to XXXX of their advertised XXXX ATMs to withdraw {$400.00} to pay rent and the ATM malfunctioned, giving me an error message but no money. When I contacted American Express Serve they told me that the funds had been withdrawn from my account and that it would take up to 45 business days to investigate the matter and possibly 10 business days to credit my account. This issue happened on the XXXX. It is now the XXXX and American Express has no update on my claim. Every time I call customer service they just give me the practiced customer service apology but they can not help me. They can not transfer me to the claim department since they do not take calls. I need this mater resolved. I need access to that {$400.00} at this point to feed my family. It is not my fault that their ATM malfunctioned. I having nothing to do with there procedures and policies. All I know is that I need to feed my family and I had entrusted American Express with my money which they will not give me access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting this error code when trying to get credit report report. Its been over 1 year and called several times. No one can figure this out. TIER 3 Supervisor. 

Please give us a call and give this code to the Agent : XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXXXXXX XXXX to XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX to XXXX XXXX ( ET ) Saturday and Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide XXXX XXXX : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint XXXX XXXX XXXX but failed to include the other Inquires that I do not recognize. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe these inquires are a result of identity theft.
Product: Debt collection

Account is closed, paid off and equipment returned. Company is now claiming I owe it money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : * 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

* 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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

* 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 which was violated.

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

The laws are very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) which EQUIFAX has failed to comply which I am enforcing my rights under the FCRA.

These are ALL grounds for REMOVAL!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX The charge-off in question is inaccurately reported and should be deleted. My complaint is supported by relevant case law that highlights the inequitable nature of the continued reporting of this charge-off. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( a ) : In this case, the court held that it is inequitable to allow a creditor to belatedly enforce an alleged debt after it received a tax benefit from the charge-off. The creditor 's continued reporting of this charge-off, after receiving a tax benefit, is similarly inequitable in my situation. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : The issuance of Form 1099-C after the debt was written off is considered " prima facie evidence '' that the debt has been discharged by the creditor. This creates an issue of fact that should prevent the continued reporting of the charge-off on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : The court ruled that it would be inequitable to require the defendant to report the discharge of a debt as income on his federal tax return while allowing the plaintiff to continue holding him liable for the debt. Similarly, it is inequitable for [ Creditor 's Name ] to continue reporting this debt as a charge-off on my credit report. 

I have attached my consumer credit report showing the inaccurate charge-off. I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure the deletion of this inaccurate charge-off from my credit report. The continued reporting of this charge-off is inequitable and unsupported by relevant case law. 
Thank you for your prompt attention to this matter. Please feel free to contact me if you require any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact capital one but XXXX dont have access to them at all,