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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or UPDATE all information which can not be verified. 
XXXX FIN SVC XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX  has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( Experian, XXXX, and XXXX  ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was XXXX  for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX {$430.00} XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX {$1800.00} XXXX XXXX  XXXX/XXXX/XXXX {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$1800.00} XXXX/XXXX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX/XXXX/XXXX {$530.00} XXXX XXXX XXXX/XXXX/XXXX {$800.00} Inquiries XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

I deposited {$60.00} cash into a Bank of America atm machine on XX/XX/22. Something happened with the atm I dont know if the money got stuck, but it said there was an error and I needed to call a number on the machine. It asked me how much was I depositing I typed in {$60.00}. The cash never came back out of the machine. When I checked my account the {$60.00} was there so I didnt call the bank to file a complaint. On XX/XX/22 I received a letter from Bank of America saying that it was a funds shortage on my deposit and they deducted {$50.00} from my bank account. I called to bank on XX/XX/22 and spoke to someone who said he made a claim on my behalf to get the money refunded. I waited 2 days and there was no evidence of a claim filed and I never got an email confirmation from the bank. I checked my online account and nothing showed a transaction dispute had been filed by customer service. I called on XX/XX/22 and talked to XXXX different people about my issue nobody could help me. They kept transferring me to different people and giving me different numbers to call. I have been a Bank of America customer for 23 years and Ive never had a problem like this luckily it was only {$50.00} that they took. I deposited more money like a week later with no issues. I just want my money refunded and Bank of America should have done a full investigation of the atm or branch before taking money from my account.
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, XXXX, and XXXX 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 ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

I called a representative from the bank requesting a payment date on my loan to make sure it did not go over 30 days late. I stated that myself, my wife and our children has all had the XXXX at the same time and I want to make sure nothing gets overlooked and turned in on my credit for being over 30 days late. The representative gives me a due date and I make the payment on that date. While making the payment I was informed that I was over 30 days late and they will be notifying the credit bureau. They reviewed the information stated on the phone recording and still turned me in late knowing I was given wrong information. I stated that Im in the middle of a construction loan and your bank gave me the wrong information, so Id like it to be fixed. He then stated I could have the bank presidents address and I could take it up with him.
Product: Credit card or prepaid card

I made a purchase with my Discover credit card for a downloadable computer game " XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  '' for {$24.00} on XX/XX/2022 from XXXX XXXX XXXX. I downloaded the game and found it incompatible with my computer. I contacted XXXX to cancel the order and receive a refund but it was refused. I disputed the transaction on XX/XX/2022 with Discover stating that the merchant " XXXX '' sold me and incompatible/incomplete product. Discover however reversed the dispute stating : Transaction has been found to be valid. 
A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. 

Dear XXXX XXXX XXXX, Account number ending in XXXX XX/XX/2022 We've finished our additional review of your disputed transaction and found the charge to be valid based on the merchant 's documentation. Please know that we considered any information you submitted as well as information submitted by the merchant. 
Case Number : Merchant Name : Dispute Amount : XXXX XXXX XXXXXXXX XXXX {$24.00} Accordingly, the temporary credit previously applied to your account has been reversed. To give you better insight into our decision, we are including a copy of the documentation we received from XXXX XXXX XXXX If you still have concerns about the outcome of the investigation, we encourage you to work with the merchant directly. 
Please note, the disputed transaction has been reposted to your account and will appear on your next monthly billing statement. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. 
We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S.-based service team at XXXX ( XXXX ). 
Sincerely, Discover Card Customer Service
Product: Credit card

I have an issues with the KOHL 's credit card in the following steps : XXXX. I did a purchase in KOHL a while ago ( probably XXXX this year ) and I then was asked for personal information to open an account with KOHL, which I didn't informed of it was a credit card application 2. but after that I had never received a card from KOHL and I didn't know I have open an credit card account with KOLH 3. after sometime I was told I owe a balance and I had to pay for that, I called the customer service and I had to pay for it but the late fee was waived. At the same time I requested to shut down my account immediately! XXXX after a while again, today I received a mail for KOHL telling me I am still owing money with late fee because the card declined! Then I had to pay for this again. 

In summary, I was tricked to open a commercial credit card and didn't authorize to open the credit with card the collected private information, also after the payment the customer was not informed of the declined payment either, the whole process was non-transparent and happened without my agreement. From my perspective, the customer should have the right to decline any payment or other fee generated!
Product: Payday loan, title loan, personal loan, or advance loan

I fell behind on payments then after speaking to an attorney I found out the loan was illegal in my state. The loan company went on to send a letter to my employer to garnish my wages without a court order. The deducted 15 % of my pay. This is illegal and I will be filing a lawsuit
Product: Credit reporting or other personal consumer reports

I was contacted by Omega RMS XXXX I requested verification of debt with original signature nothing was provided. Disputed validity of debt XX/XX/ and sent a cease and desist letter requesting removal of reporting from credit reports and received no response. No full account number provided on credit profile, inaccurate data is being reported, and no collections agency address exists on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, 2017 I have asked Santander Consumer USA and the credit bureaus that they formally substantiate all account history data Santander Consumer Usa transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Santander Consumer USA and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Credit card

In regard to the complaint I submitted on XXXX # XXXX, Since there is some changes happened to the case I would like to update the changes in the form of a summary, I ordered, the order # XXXX from XXXX using my XXXX, On XX/XX/2017, due to fraud transaction I closed the account, and the balance of this account was the price of that order, The XXXX credit card representative advised me to go to any XXXX store and pay for the order, On XX/XX/2017 I went to XXXX located at XXXX XXXX NJ XXXX, and paid {$44.00} reference # XXXX using my Bank of America credit card ending XXXX. 
On on XX/XX/2017 I received statement from XXXX for the same order, On XX/XX/2017 I contacted the XXXX XXXX card, around XXXX, answered by XXXX XXXX, and asked him to contact, XXXX and update the balance by the payment I did, he told me to wait until XXXX will update it, On XX/XX/2017 I contacted both, XXXX, answered by XXXX and XXXX, and XXXX card answered by XXXX or chavil? And both of them accused each other of having the responsibility, to correct the mistake, On XX/XX/2017 I received e-mail from XXXX help, to go to the store and refund the bill, paid on XX/XX/2017 by my visa card bank of America ending XXXX stating that they received it by mistake? 
On XX/XX/2017 I went to the same XXXX store and paid the credit balance using my debit card, reference # XXXX for the same order, but they could not refund the first bill, In summary, it means that I already paid to XXXX the order twice, I would appreciate, if you help me to dispute and the refund the payment with {$44.00} which went through my visa credit card bank of America ending XXXX Attached all the documents and the proof of my complaint, Thank you and I appreciate your time XXXX XXXX, XXXX NJ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.
Product: Checking or savings account

On XXXX XXXX I disputed a charge with Credit Karma for the amount of {$1700.00}. I have given them all my information that I payed for a service but the company did not give me a service. I disputed with another card company with the same issue on the same day charged to the same company and they realized the error and refunded me my cash. Every time I call credit karma I cant speak to an investigator they said they send me an email but I have no email.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I noticed an account recorded incorrectly on my credit report. This was revealed when I attempted to apply for a mortgage. In XXXX and XX/XX/XXXX, I filed a dispute regarding a debt that still shows on my credit report. I attached court documents indicating the debt was satisfied on XX/XX/XXXX yet the credit report shows 120+ days delinquent with a balance owed. In both disputes, they were reviewed and closed on the same day with no changes. No true investigation was done on the matter even though a Notice of Satisfaction was provided from the Commonwealth of Virginia.
Product: Credit reporting or other personal consumer reports

I sent a copy of my drivers license, social security card and my light bill. And they Wont change it to my correct name and address. They are violating my rights 15 U.S.C. 1681i and 15 U.S.C. 1681e. I tried dispute online and mail and no positive result.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$1800.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$580.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$3100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Date opened : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : - Balance : {$34000.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Company removed access to my account i suspect a data breach an leak of my personas private consumers information. I request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b and My person is protected by Code 801 15 USC 1692. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Yours faithfully, XXXX XXXX
Product: Credit card

I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Capital One. I explained I would be off work without income. My account has never been late. The representative informed me that they could not offer any assistance until my account became 60 days late. I was livid and began to complain and spoke to a supervisor. Fast forward after being late, Capital one contacted me. They informed me they would reinstate my account if I brought the account current and delete the previous lates. I brought the account current and they reinstated my account but never deleted the lates. if a consumer contacts a creditor before being late, there should have been something that could have been done. It is unethical for a company to tell u that u must become late in order for assistance. The XXXX that I had were due to me having XXXX. the LATES DO NOT REFLECT MY CREDIT WORTHINESS. pLEASE REMOVE