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

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

These are the accounts that are inaccurate XXXXXXXX XXXXXXXX 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 XXXXXXXX
Product: Credit card

I called and messaged American Express regular department and the Financial hardship department in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, letting them know I was sick and recently diagnosed with Chronic illness which has caused me to be out of work several days, leave without pay and asked may they please lower my payment during this medical financial hardship and they said no, it can not be lowered from {$200.00} per month, even though I was behind and making small good faith effort payments they sent me to credit karma and it made my score drop XXXX point down. Again, I even asked to speak with several managers, and they too stated they can not lower payment from {$200.00} per month. {$200.00} is too much for me along with all my other bills and I need them to allow me to pay {$100.00} per month. Please assist. Thank you.
Product: Credit card or prepaid card

I applied for a quick silver secured credit card with Capital One. I made XXXX deposits totaling {$1000.00} dollars. My account was opened on XX/XX/2023 and closed on XX/XX/2023. I was initially told it was closed because returned payments on the new account. However, both payments were cleared and verified by my bank. After the verification of payments, I was told it was from XXXX previous accounts. I informed Capital One that those previous accounts were opened fraudulently, and I submitted the appropriate documentation previously. This was verified by the closed accounts department, and I was transferred to a fraud supervisor who told me that it was nothing he could do and it could take XXXX billing cycles to have my deposit returned. I told them this was unacceptable because I never used the account and it was closed at no fault of my own. He responded there was nothing he could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Balance {$0.00} XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX-Balance {$520.00} XXXX XXXX-Balance {$270.00} XXXX XXXX-Balance {$200.00} XXXX-Balance {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a notice from one of my credit monitoring companies, stating that a bankruptcy that I had disputed with the credit bureaus, had been removed from my credit report. On XX/XX/XXXX, I printed out a copy of that report. On XX/XX/XXXX, the credit bureaus added the bankruptcy back my credit report, as a new bankruptcy, without notifying me within 5 days. Violating the Fair Reporting Credit Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). You will see from the  documents I submitted.
Product: Payday loan, title loan, or personal loan

I called them several times to try to find a solution to have to get a payment plan that I can pay on. To lower the percentage I pay towards this loan it wasn't like I was trying to not pay the loan, the loan is not even on collections they withdrew my rent money from my personal account without calling me first. I tried calling to get a payment plan and they always say there is nothing they can do for this loan several times. The bank is citizens Bank
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 is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Account XXXX : {$32000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted : 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 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 XXXXXX/XX/XXXX Please consider this letter a formal dispute of the
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Complaint : I am writing to formally dispute inaccurate information that has been reported by both XXXX Innovis and XXXX on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to dispute and demand the correction or deletion of any inaccurate or incomplete information on my consumer report.

Per FCRA 15 U.S.C. 1681i ( a ), upon receiving notice of a dispute from a consumer, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

The information being reported on my file is incorrect and does not reflect my current or accurate status. I request an immediate investigation and correction of these inaccuracies. If you are unable to verify the disputed information as accurate, I demand that it be deleted from my record, as required by law.

Please provide written confirmation of your receipt of this dispute within 5 business days and inform me of the results of your investigation within 30 days, as mandated by the FCRA.
Product: Debt collection

XXXX XXXX : XXXX Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding investigation results based on information provided to XXXX. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with Bank of America that it is an error within their processes and yet XXXX is unable to correct this reporting. I find this unacceptable and ask that XXXX   provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from Bank of America to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of  Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX
Product: Checking or savings account

On XX/XX/XXXX I was a victim of debit card fraud of over {$2000.00}. I made a claim and everything seemed to be fine until XXXX XXXX a hard hold was placed on my account I called US Bank and they informed me that due to fraud my accounts are under investigation and will be closed. I was fine with this as US Bank has not been the most consumer friendly. I asked for a timeline and was informed 30-45 days. The 45 day mark has now passed and the provisional credits that were to be provided I have received. Now my funds are in an account I cant move them out nor receive deposits. My other accounts are overdrawn because I cant post any debits. I have called multiple people and they dont know anything. The last online banker I called informed me I know have to wait 90 days its completely unprofessional especially if I have done nothing wrong but be a victim of fraud.I just want my money so I can do what I have to do. This has incovienced me a lot. I have banked with them since XXXX and no issues now this and the treat me like a criminal get over yourselves.
Product: Checking or savings account

I received my XXXX Targeted ( {$10000.00} ) and Supplemental Advance Grants ( {$5000.00} ) in my account back in XXXX of XXXX. My account was closed due to Citibank saying that I can not get a loan deposited into a personal account. First and foremost IT WAS NOT A LOAN it was a GRANT that I was approved for through the XXXX. So first order of business was Citibank would not give me any type of information about my account and said that it will take 60 days for them to close my account and the remaining funds will be sent to me via a check. 60 days came and went ( XX/XX/XXXX ). I kept calling and calling and getting the same run around, the customer service reps seem to not have any information about my missing money. So I sent an email to their executive response unit and received an email a few days later asking me to send in a proof that I am eligible to receive the loan. Citibank wanted to me send in a professional license ( because I am a barber ) WHICH I DID. They wanted me to send in proof of my business being established before XXXX WHICH I ALSO DID. They send me a response saying that they still WILL NOT send me my money that I am eligible for and that i rightfully received from the XXXX last year. IT IS NOT THEIR PLACE TO HOLD MY MONEY IN A ( LEDGER ) ACCOUNT AS THEY CLAIM. It is not up to them to screen me on money that I already was approved to have from the XXXX, and it definitely is not their place to hold the money against my will and not tell me anything about whats going on. This has been going on almost 5 months and they still are holding money that is rightfully mine somewhere that I have no idea about. I received an email from Citibank on XX/XX/XXXX, stating that I need to FAX them a written letter to authorize Citibank to return the money back to the XXXX. I have tried to fax the letter all day and it fails everytime I try to fax it. I believe the number I was given to fax IS NOT VALID. After doing everything I was told to do to receive my funds they still have yet to send me my money and its starting to seem intentional and I am so frustrated with them.
Product: Debt collection

I have contacted Rent Recovery by certified mail they have accounts for the same amount on my credit twice. I have no knowledge of this debt and asked for it to be removed. XXXX is on my credit report twice I asked for both accounts to be removed it is no my account and it is past the limitations for the state of Georgia. They also have a XXXX listed that I have no knowledge of the failed to respond to my letter. I will take legal action if this is not corrected I will enclose the proof and that it is on my report twice for the same amount.
Product: Debt collection

I tried disputing the incorrect information on my credit file. To no avail, the action I have taken was rejected and I was given a demand. How can XXXX  say to me? To send them forms with proof this isn't my account. How is that possible? If this isn't my account, how would I have proof?
Product: Debt collection

I have been contacted by the lawfirm below. This is my letter back to them and it contains all the information needed to file this complaint. 

XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTENTION : XXXX XXXX NOTICE AND AFFIDAVIT OF TRUTH Hello XXXX XXXX : I responded to a letter from your corporation once before and told you that you were committing Identity Theft and you would be held liable for the sum of {$250000.00} for this crime if you did it again. Today, I received another correspondence from you XXXX XXXX under the letterhead of that corporation of XXXX, XXXX XXXX XXXX, XXXX. and this time you could not even get the address right. You are XXXX XXXX 

You can not talk to me! You, XXXX XXXX, represent a corporate entity with no authority over me, a man. Neither your firm nor you personally have any security interest in the real property in question nor the paper pertaining to it. I have no contract with you personally nor with your firm, XXXX, XXXX XXXX XXXX, XXXX. 

I am not the surety for this Account and i am not the PERSON you are addressing in your correspondence. I am a living man, not a name. 

The Account has been satisfied previously and also ab initio and the security interest has been lawfully rescinded. 

XXXX, XXXX XXXX XXXX, XXXX. and/or XXXX must Send a check for the amount on the XXXX XXXX I have enclosed if they can figure out the right address. Every time you try to correspond with me I will charge you another {$250000.00} for Identity Theft plus {$1000.00} for each word in violation of Consumer Financial Protection Bureau regulations or which is offensive to me personally. 

If your firm attempts to steal my property, I will add appropriate charges of XXXX XXXX dollars to this XXXX  XXXX and file a case in District Court against you XXXX XXXX in your personal capacity and in your capacity at your law firm. 

XXXX : XXXX XXXX XXXX, Beneficiary, XXXX, Account Owner, XXXX, Original Creditor
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again. 

I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. 

I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.
Product: Credit card or prepaid card

I have been with Capital One Bank a long time, and I have always appreciated the good value and service I have received from Capital One Bank. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of Capital One Bank and will be happy to do so as soon as we get this matter cleared up. Will you kindly send me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
If you believe it's correct, I demand : The date whomever validated it was correct. 
The method used to validate this Billing error. 
The name of the person who received the permission to Validate this error. 
The documents used to determine this error. 

I would appreciate it if this matter were handled in a timely manner. 

XXXX XXXX XXXX ... XXXX
Product: Credit reporting or other personal consumer reports

I have discovered that my personal information has been used to open unauthorized accounts. Please remove these accounts
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

In late XXXX I tried to apply for a credit card and my bank said my information with Equifax did not match my name or social security number. Somehow, the equifax report my bank pulled up showed all of my sister 's information instead of mine. I called equifax and the first thing I was told was to establish credit first and then they could fix it. I told them that the incorrect information on their end was preventing me from establishing credit. After repeating the same advice several times, eventually I was told me to send in pictures of my identity to verify and correct the incorrect information on my file. I sent my identification by fax in mid XXXX. 
A month later in XXXX, I received mail that the request failed because some information was illegible. They directed me to send it by mail to a po box . I called again to confirm this was the correct course of action, then I was told that my social and name didn't bring up any file with them and I was told again I needed to establish credit first. I talked in circles again on that issue until they said to send my information in again. This time I sent it in by mail. I waited for months and nothing changed and whenever I called about a status update on my dispute, I was told again that I had no account even though I had an a myequifax account with them that I logged into with my name and social security number and my bank said I had a file with the wrong information on it. 

I called twice today to get it sorted and the first time I was told I had no account until they pulled up the myequifax account I had, then I was told that I did have some account with them but no credit report and I needed to establish credit. I went to my bank to try to get help and called again. This time, my bank told them with me over the phone that they had done an inquiry on my file with my information and that everyone has a file and they should be able to find it. My bank called them out for the cyclical conversation about not having an account and said they were being deliberately unhelpful. We were escalated to a supervisor and she was even more unhelpful, telling me I should just try with XXXX and that I didn't have a file with them and that I needed to establish credit. Any time my bank tried to help with the conversation she would say she couldn't answer questions from a third party. My bank advised me that they were attempting to make me say I didn't have a report with them so they could end the conversation without helping me. Both the agent and the supervisor refused to give a full name so all I know was the agent was named XXXX and the supervisor was XXXX.
Product: Checking or savings account

Wells Fargo charged monthly fees when the appropriate debit uses per month were made to waive the fee.