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

I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : [ Briefly restate why the information is incorrect ] Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 15 U.S. Code 1666b is a law that covers the timing of payments for open-end consumer credit plans. The law requires creditors to : Provide payment due date information : Creditors must mail or deliver statements to consumers at least 21 days before the payment due date. 
Provide extension information : Creditors must provide the amount and date of each extension of credit. 
Handle inquiries : Creditors can treat inquiries for clarification or documentation as billing errors. 
The law also states that creditors can not treat a payment as late unless they have reasonable procedures to ensure that statements are delivered on time. 
If a creditor fails to comply with the requirements of 15 U.S. Code 1666b, they may forfeit their right to collect the amount indicated by the obligor. The amount that can be forfeited is capped at {$50.00}.

15 U.S. Code 1637a is a section of the United States Code that covers disclosure requirements for open-end consumer credit plans that are secured by a consumer 's primary residence. This section requires that creditors provide the following information to consumers when they distribute an application to open a credit card account.

Annual percentage rate The annual percentage rate for any extension of credit under the plan, along with a statement that this rate only includes interest Interest rate information A statement that interest rate information will be included with each periodic statement The Truth in Lending Act ( TILA ) was enacted to protect consumers from unfair or inaccurate credit billing practices. TILA requires creditors to disclose credit terms in a meaningful way. 15 U.S. Code 1637 ( a ) - ( d ) covers disclosure requirements for open-end consumer credit plans, including interest rates, finance charges, consumer rights, and creditor responsibilities.

Please provide the specific details on how the investigation was conducted, including number of the person or entity that verified the information.

1. The name, address, and telephone 2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to inform you that I am a victim of the recent data breach. As a result of this breach, my personal information, including my social security number and other sensitive data, has been compromised. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and delete the following accounts from my credit report : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX  XXXX account ending XXXX I am deeply concerned about the potential misuse of my personal information and the impact this could have on my financial well-being. I urge you to take immediate action to protect my identity and credit. 

Please confirm that you have taken the necessary steps to block and delete these accounts from my credit report. 

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

I received multiple phone calls from different numbers trying to collect on a debt that is not mine ( XXXX XXXX ). Because I do rent cars from XXXX, I called XXXX just to make sure there was no issue. ( I pay each rental from a XXXX credit card, not XXXX ). XXXX stated that I have a zero balance and no issues. On the next call from XXXXirst Financial Asset Management ( FFAM ), I let them know that there is no debt and they may have the wrong person. They continued to call. I blocked the number. I was finally a written request to resolve the debt at a discount. I called FFAM today, XX/XX/2021, to let them know that they either have the wrong person or this is a fraudulent attempt to get money. I asked if they could verify my date of birth or the last four of my social security number. The agent had no information on me except phone number and address, which I find extremely suspicious. They have now stated that they will take me off their phone list.
Product: Money transfer, virtual currency, or money service

Capital One Bank is listed by XXXX XXXX as one of the companies that will wire transfer funds to XXXX ( a digital exchange ). However, my account is with Capital One 360. Cap One 360 will only do a wire transfer to a title company, checking, or savings acct. Since this is an exchange, they will not allow me to transfer my funds to XXXX. That is their policy. I tried to open an account with Capital One which is a retail bank. But I can't do it online. It has to be done in person. The nearest branch is in XXXX XXXX. I live near XXXX XXXX Because of this policy of Cap One 360, I will be forced to move my monies out of my 360 account to another banking institution. I have spoken with the Cap One customer service multiple times. They would not allow me to speak with a higher up person. They would not escalate my query. When I asked what I could do to 'make this ( transfer ) happen ', they offered no suggestions. I may as well have spoken to a brick wall. That is how I felt. I initially opened this account via XXXX XXXX years ago. This account evolved into Capital One 360. So, in the end, because I live in XXXX, I can not wire transfer my Cap One 360 funds to an exchange. This is not right. Capital One 360 is a large, international institution. They should honor my right to perform this function.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$910.00}.
Product: Money transfers

My brother decided he was going to use PayPal to send me the rent and bill money he owed me for last month. He mistakenly checked the box for " goods & services '' when asked by the PayPal process. Once his transaction began to be processed, PayPal sent me a notice claiming that I had " {$850.00} '' coming to me in the form of an " eCheck. '' Then, after receiving a notice that the eCheck had 'cleared, ' I went to my PayPal account to find that they had deducted {$25.00} from the {$850.00} for reasons that were unclear. When I complained, they sent me their fees policies to read. When I could n't find a reason that justified the action, I replied. I have heard nothing since. After discussing the incident with my brother, we have determined that they must have deducted the money from the transaction because he checked the " goods & services '' box. What we do n't understand is, why would they deduct for this service and not the identical " Send money using your bank account for free '' service '' And, why is there not a confirmation with the receiver as to whether the transaction is indeed for " goods & services '' before abjectly penalizing the receiver for it? Also, is it not fraudulent to state to the receive via an email that they have " x '' amount of dollars coming to them, show a pending transaction under the " Activity '' section of the site that confirms the " x '' amount with a line item for " fee '' of {$0.00} underneath, but after the transaction has 'cleared ' the fee magically turns into " XXXX percent of the transaction amount? '' This is textbook grift!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act the list of accounts below violate my federally protected consumer rights. 
XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A stated that I have the right to privacy 15 U.S C 1681 section 604A Section 2 states that if a consumer reporting agency can not furnish a account without my written instruction.

15 USC section 1681 a5 states that no consumer agency reporting my report any adverse items shall not report on my credit report for more seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX ; EXPERIAN XXXX CRED Inquired on XX/XX/XXXX ; EXPERIAN XXXX CRED Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX Via certified mail to inform them of inaccurate information listed on my credit report. XXXX responded to my letter XX/XX/XXXX to inform me that the account was charged-off XX/XX/XXXX and SOLD to XXXX XXXX XX/XX/XXXX XXXX I will be sending out my dispute letter enforcing my consumer rights to XXXX XXXX directly as well and I will be filing a complaint with the attorney general. My rights as a consumer have been violated by furnishing my information without my consent as well as many other violations that will be stated in my letters. XXXX should be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a creditor in XX/XX/2019, on transunion it is still listed as a derogatory remark. Only transunion is late in clearing this remark. 

The Company I paid was XXXX XXXX, XXXX / original debt. owed to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Emergency room visit year XX/XX/XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/XXXX so they added it to my report as new in XX/XX/XXXX in XX/XX/XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt
Product: Mortgage

Account has been reporting on my credit longer than 7 years and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a late payment on an account that was complete in XX/XX/XXXX. Equifax, continues to report this account which should be closed. Calling Equifax, results in disconnection. 
XXXX reported a late payment in XX/XX/XXXX which resulted in an XXXX points reduction.
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 XXXX XXXX XXXX. Account name : 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 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 XXXX 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: Debt collection

I Kindly Request That You Throughly Investigate These Inquiries And Promptly Remove Them From My Credit Report They Are Found Inaccurate. Date Added XX/XX/2023 Legal Action Bureau Account Number XXXX * Delete this unconfirmed inquiry lacking certifiable evidence unless physically certif

ied verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act * Creditors, if you dispute a debt, and they fail to report it as disputed to the CRA 'S * UNDER THE DOCTRINE OF ESTOPPEL BY
SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS!
Product: Debt collection

A payday loan was obtained with my personal information without my knowledge or consent. The loan amount was {XXXX} and deposited directly into an account with XXXX XXXX where I do not have an account and when I called them and gave them the account number I was informed that the account was not in my name.
Product: Money transfer, virtual currency, or money service

Complaint is against Way2Go ( Mastercard ) for withholding unemployment funds placed in their trust to be turned over to the unemployed worker, and if requested, transferred to the individuals bank account. An accumulation developed because Way2Go failed to provide the cards by XX/XX/XXXX, the start date. Stories emerged to deny the requested transfer to the confirmed bank account but to keep the money longer by Waya2Go. In order to deny the transfer, the false claim it was not part of the Nevada program was proffered. Also, to prevent the transfer, a false security issue was entered to correct the entry of transfer information on the website. The false security issue was then claimed to be uncorrectable ; and then only a {$100.00} can be withdrawn at a time, leaving Way2Go ( Mastercard ) to use, without authorization and contrary to directions, the unemployed seniors money for time to come. Complaints to the federal Consumer Protection Dept resulted in the matter being assigned to higher ups. Caller ID from those higher ups appeared to originate from a non-working New York phone number. ( Caller ID showed XXXX origin located in New York, while their actual location is Texas, area code XXXX ) Finally these two individuals stated that they had arranged for the transfer, but failed to do so. Instead, they intentionally engaged in elder abuse, having specific knowledge of the age of the individual having required and received a copy, both sides of the seniors drivers license, by withholding the seniors own money that might be critical funds necessary for housing, food or other necessaries, especially during the covid crisis ; forcing the senior out into dangerous heat to go to the bank in order to obtain access to her own money. As I told them I would, I am looking for an attorney to file, if possible civil and criminal charges against them for the willful refusal to distribute the money to the rightful owner, breach of trust, abuse of a senior ( over XXXX  ) and claims against Mastercard for the same. This will cause a senior serious financial hardship for just trying to obtain what is rightfully hers. Having failed to fulfill their legal obligations and transferred the monies, Way2Go forced a senior into dangerous heat in order to transfer money into her bank account by requiring that she go personally to the bank during an excessive heat warning in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect Former : XXXX, XXXX, XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX Current Address ( es ) : XXXX XXXX AV XXXX XXXX XXXX NY XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Previous Address ( es ) : XXXX XXXX PKW XXXX XXXX VA XXXX Previous Address ( es ) : XXXX XXXX WAY XXXX XXXX VA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX NA Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated by the accounts and companies stated above. 
XXXX5 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.
Product: Checking or savings account

I have a bank account titled in the name of a family trust. The original settlor of the account is deceased and I am the successor trustee. As instructed, I visited a Citibank branch to submit the trust agreement, the original death certificate of the settlor of the account, my identification and a notarized letter of instruction to add me as a signer on the account. Citibank has taken no action and the call center claims to have no information. The call center and the branch apparently do not communicate with one another. The account has been inaccessible. Citibank has acted in a cruel and selfish manner throughout the process. The call center provides no information.
Product: Credit reporting or other personal consumer reports

I have been ongoing with this investigation since XX/XX/XXXX of XXXX. Someone stole my identity and tried to file my taxes that wasnt me. This resulted in me filing for identity theft. I am still getting unwanted credit reports, and loans that I am not asking for I have asked to put a freeze on my account, but nothing has happened. I still havent been able to get my taxes for a XXXX  please assist with moving forward.
Product: Debt collection

Was charged {$900.00} after Landlord kept rental deposit ( {$600.00} ). Was not notified they were keeping the rental deposit until 31 days after we had terminated our lease. Per Missouri law, they have 30 days. The proof for the {$900.00} was an email with no actual receipts, sales order, ect. Disputed this debt with the landlord. Landlord sent me to collections. Emailed collections XXXX disputing the debt and requesting evidence to prove I owe it. Nothing was ever received.
Product: Bank account or service

On XX/XX/XXXX I opened a line of credit for XXXX . This was my money that was transferred from my savings account. It was to be used to raise my credit score. I borrowed & repaid it as Regions requested me to do. It was used until XX/XX/XXXX I went to the bank to have the loan released but I still " owed '' XXXX $ & I was instructed to pay it off & give her 2 days after it was " paid off '' so it would be released with no problems. I went back to the bank after this time had elapsed XXXX had left that branch so I talked to XXXX. He worked on his computer a few minutes & told me you will have your money in ten days! I informed XXXX this was not acceptable as I was told after the 2 days had elapsed my money would be transferred back to my savings account. He told me it would be done the next day & he needed to call someone about it. I told him the next day was ok. I waited 5 days & then I transferred my XXXX $ from that account back into my savings account. Every thing seemed ok. A few days later I received a statement in the mail stating I still owe Regions XXXX . So back to the bank with nothing resolved this is when XXXX becomes involved. The date was XX/XX/XXXX I tried calling again to get this loan released. XXXX told me I needed to repay the XXXX $ so the loan could be released which is what I did the previous month. He asked if I had money in another bank to transfer to complete this loan. I told him no & I asked whats going to happen now that it 's a month later & now a payment is due. I had to make another payment on this nonexistent loan. There was a XXXX $ fee added & on XX/XX/XXXX Regions took funds from my account for another payment of XXXX $ for a loan that should not exist. I was simply trying to raise mt credit score to get a loan for a house. I invested my money over the years in rather unconventional ways that the bank wo n't recognize as legit collateral ( cars, diamonds,XXXX & others ) I knew going into this process that it was a longshot because I never used credit cards I did n't create a mountain of dept if I wanted to purchase something I saved my money. So I had XXXX credit history other than a medical bill that the insurance company will be responsible for. It would seem the banks would be seeking people like me without a mountain of debt & who pays all the bills to lend money to. What I would like to know is why XXXX did not release this loan? I asked XXXX & XXXX & neither could give me an answer. I think XXXX did n't like the response I gave him after he told me that the loan would be released in ten days & I told him I 'm leaving with my money today either all of it in my hand or transferred into my account. He said he could do it with a phone call the next day but he never did. I want the 2 payments ( XXXX $ ) transferred to my account & the XXXX $ fee removed.