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 XXXX 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. ss 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. ss 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. Below are the accounts I disputed for the inaccuracies, XXXX. XXXX XXXX XXXX XXXX - no knowledge of account XXXX. XXXX - payments never late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & well being. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1200.00}
Product: Debt collection

my credit card was compromised with XXXX XXXX and XXXX  XXXX sold the account to resurgent. XXXX XXXX refuse to validate account but did remove their trade line from. with the 3 credit bureaus XXXX debited the credit card onXXXX and on XX/XX/2015 which is un authorized charges. I had credit protect on this credit card account and credit monitoring. I contacted resurgent with letters showing that I did not authorize these charges. I went into the purchase page for XXXX and to see that there was no debit from them on XX/XX/2015 but a purchase debit for XX/XX/2015. but 2 debits appeared on the account I am disputing with resurgent who now reports to the credit bureau. I did not authorize these charges
Product: Checking or savings account

In response to the following promotion, I opened a new checking account with Citibank on XX/XX/XXXX. 

EARN UP TO XXXX AAdvantage bonus miles* after completing the following required activities : OPEN a new checking account and enroll in the offer the same day before XX/XX/XXXX SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90-day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities Per the terms of the offer, I was to receive XXXX AAdvantage bonus miles 30 calendar days from the date I complete all required activities. Since I completed all of the " required activities '' on XX/XX/XXXX, I should have received these miles on or about XX/XX/XXXX. It has now been 60 calendar days and I have not received the promised miles. 

I called Citibank on XX/XX/XXXX, and requested that they investigate this matter. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that " Unfortunately, we are unable to provide the status on fulfillment of the promotion. Fulfillment of the promotional offer is made systematically ; therefore, you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive. '' This directly contradicts the terms of the offer that state : " YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gone to XXXX XXXX XXXX for XXXX testing on XX/XX/XXXX. 
They billed my insurance and I have proof of my XXXX 
I received a letter recently from a debt collector called M. LEONARD & ASSOCIATES with a date of XX/XX/XXXX. However I received this mail about a month ago which was XXXX of XXXX. On the letter says they are collecting {$240.00} plus XXXX on behalf of XXXX XXXX XXXX. 
On my XXXX says XXXX XXXX has paid for the test and patient responsibility is {$0.00}. 
When I called M. LEONARD & ASSOCIATES, XXXX XXXX XXXX claims that XXXX had reached me through my email to authorize a charge which I did not respond. Also claimed that I had put an ( XXXX ) number, and demanded that I pay XXXX XXXXXXXX I have no record in my email that exer tried to reach me to authorize any amounts to pay. 
I have logged into my XXXX account and reviewed my chart, and the phone number is correct. I do not understand when I was financially responsible to pay the given amount. The covid testing was already paid for through my health insurance. XXXX never reached out for any authorization. I have proof through my insurance. M. LEONARD & ASSOCIATES has negatively impacted my credit report. It is creating an impact on my credibility.
Product: Checking or savings account

On XX/XX/2023 I was walking back to work after leaving XXXX XXXX at like XXXX XXXX All of a sudden I get a message alert, saying my prepaid secured credit card account has a balance of - {$210.00}. How? Because I just use my card so I know I only had XXXX XXXX left and I hadnt made any {$210.00} purchase so once I got back to work I called Chime. Literally no one could show me the charge or charges that cause me to go into a - {$210.00} balance. And after hours and hours of being on hold, they blamed it on the merchant, that I use most. XXXX XXXX. Saying they had my credit card info and force charge me. Which is a lie because XXXX isnt the kind of merchant that allows you to old him money. When you make a purchase from them you have to have the money right then in there they charge you right then and there. That Sunday late XXXX. I got a deposit in my account enough to cover - {$210.00} balance. All of a sudden once the balance is brought above XXXX charges popped up on my statement from XXXX at XXXX XXXX  on XX/XX/2023. How is that possible? My balance was already- {$210.00} so that wouldve made me a little - {$420.00}. Not only that all five of the charges were processed at XXXX XXXX which is impossible. Because XXXX XXXX  doesnt keep my information I have to type my information in for every transaction. So each transaction takes a couple minutes. Its impossible to do five transactions all at the same time. So I contact XXXX  and ask them if they have any record of me making any purchases at XXXX on XX/XX/2023 and they said no they have no record of these purchases. Chime has fabricated some charges to cover up the money they wrongfully stole from my account. There is no record of these charges ever happening from the merchant or for me. And chime still wont give me my money back. I asked for them to send me all the evidence they used for their investigation and all they sent me was a copy of my bank statement from Chime showing the fraudulent charges thats Chime themselves made. Nothing from the merchant. Nothing else to prove the charges were ever made or even exists. My statement doesnt even show me as ever having a negative balance anymore. Ive sent them proof from the merchant that they never charged my account at that time and that they dont force charge payments and they still refuse to give me my money back..
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I am completely baffled as to how this happened. I check my report regularly, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors remained. These inaccuracies have left me deeply concerned, and I urgently ask that the documents Ive provided be carefully reviewed so I can have peace of mind.
Product: Credit reporting

I am filling this complaint because I have been ignored by the Equifax. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit card

Hello Im filing a complaint as a last resort as I have XXXX payments made to Discover for which I need refunds, and Discover is not completing the request also, their customer service has not been able to help. 

I accidentally made XXXX electronic payments to a closed Discover card through my Banks bill pay service. My Bank submitted the electronic tracking details to Discovers Payment Research fax # XXXX on XX/XX/XXXX. On XX/XX/XXXX Discover issued a refund for XXXX of the payments which I received as a refund check ; however, the below XXXX payments have still not been refunded although my Bank resubmitted the request on XX/XX/XXXX. I will attach the electronic proof for the remaining XXXX payments that need to be refunded to this complaint. The payments were made through my Banks Bill Pay processor, XXXX. Discover customer service has not been able to help despite multiple calls, as they advise this Discover account number is now purged from their system. 

These XXXX payments still need to be refunded : XX/XX/XXXX {$300.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} Thank you
Product: Consumer Loan

In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.
Product: Payday loan, title loan, or personal loan

I applied for a loan through One Main Financial online. I was contacted on XX/XX/2020 by email and by phone by a person named XXXX who told me I was approved for a loan of {$2500.00}. She told me I needed to come in to the XXXX Branch office to complete the paperwork and that I would receive a check at that time. I went into the office today, XX/XX/2020. XXXX took all my paper work to make copies including my license and a voided check. She had trouble verifying the check even though everything I submitted was valid. After 20 minutes she returned to the office where I had been waiting and pretty much accused me of committing identity fraud. She kept telling me that I entered the wrong Social Security number on my application and she also stated that they pulled someone else 's credit because of me. I left the office humiliated, thinking I must have made the mistake, feeling ashamed and stupid. When I got home I checked my credit report and found out that XXXX or another person, acting as an agent of One Main Financial, had in fact pulled a hard inquiry on my credit report on XX/XX/2020. There is no way they could have pulled my credit report if they had the wrong SS number ( see attached screen-shot from XXXX. ) I called XXXX after I saw this, but she continued to insist that I was the one who gave the wrong SS number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent data on my XXXX  credit report. XXXX XXXX XXXX Account # XXXX
Product: Debt collection

In XXXX I attempted to get XXXX service at my local XXXX XXXX. They were unable to complete the transaction and asked if I can come back the next day. I came back the next day and they were still unable to complete the transfer. At that time I told them to cancel the entire transaction and continued with my cell phone provider without changing service. A few months later I received a bill from XXXX with no explanation about what it was for. Since I never received service from them I did not pay it. I have been working with XXXX and the various collection agency 's that have contacted me. They still have this collection against me even though they provided no service.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed incorrect info on my credit report XX/XX/2020 to no avail with even a response and by law the credit companies have 30 days to do so
Product: Checking or savings account

I have been trying to make a routine transfer {$180.00} from my savings account at Popular Direct to my checking account at XXXX XXXX, something that I used to do easily before. However, every time I attempted to do so on the Popular Direct website, it told me to call customer service to complete the transaction. I called them and after waiting for XXXX minutes, they said that there was a restriction on my account for no apparent reason and that they were " looking into it ''. They asked me to call back in three business days. I find this situation very frustrating and unacceptable. I think the bank has no right to place an arbitrary restriction on my account without any explanation.
Product: Vehicle loan or lease

I have called before asking for an extension or any help I can get just in case due to late payment there said there is none. Then they tell me I have to make this payment by the end of the day and I say I'll try my best and they say ok but if I don't do it I will lose my car and she can just note what I said so something goes wrong and I get the money the next day but I remember she said I had to pay it by the end of the day so I figure why am I going to make a payment ane still lose my car. I'm homeless and don't have anywhere to live and live in my car when u make me feel this way I get stressed to the very extreme I start being rude to people who owe me money and it puts a toll on my business and personal relationships cause they fear monger me into feeling like I lose everything if I didn't make payment so I decided to buy food the next day then a few days later they send a text saying that if I dot make a payment crucial steps will be taken in my account so I call and they act like we're just stressing me out about payments days before. If I lose my car I lose my home and they way they go about getting their money is wrong and this happened all week of XXXX XXXX it wasn't till the XXXX I gave up hope because she said that it would be repossessed by the company. Don't get me wrong I'm glad I still have a chance to make payment but what if I don't make it in time again I go thru the cycle again. I'm homeless I have enough stress on my mind and have suffered thru so much I have self harm thoughts and if she was just honest about when I could make payment I wouldn't think so bad and what if XXXX XXXX XXXX I do do it? It's not right how they fear minger me to thinking all hope is lost and then they say everything is fine just make it today or else.. man I could have made it days ago if u didn't make me. Feel this bad and it's just a repeating cycle and it wouldn't be if she was just honest about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts XXXX XXXX XXXX XXXX
Product: Checking or savings account

Had lots of issues with my account and overdrafts and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company sold my mortgage to XXXX XXXXXXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XXXX XXXX, I received alerts from several credit monitoring services informing me that XXXX inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.
Product: Credit card or prepaid card

I followed all of the rules with Citibank 's Thank You Rewards program and earned XXXX points - a cash value of over {$1100.00}. I switched my card to a different program, and Citi allegedly made it clear to me that I had 60 days to use my points. This started on or about XX/XX/2019 - right at the beginning of Covid epidemic. I was not able to use the points in time because I was not able to reach anyone at a Citi call center to figure out how to use the points. And now Citi is saying they are going to write off the liability to me and not let me have my points and add this money they " stole '' from me to their earnings. They very intentionally count on people like me NOT being able to use their points and are very happy to steal this money from me.
Product: Credit reporting or other personal consumer reports

I am filling this complaint to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a charge-off in the amount of {$4600.00} on XXXX XXXX XXXX partial account number - XXXX. ( Please see page attached from my credit report. ) The vehicle in question had full coverage insurance. This bill should have been paid by XXXX XXXX however, they denied my claim. I have attached a copy of my coverage information which clearly shows the vehicle was insured. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Student loan

1. ) These loans were re-inserted into my credit reports without prior knowledge and without my expressed written consent. 
2. ) None of the payments made are reflected on any of the fraudulent loans sold to a 3 party loan servicer without my prior knowledge or consent. 

Please do not investigate. 

What is the permissible purpose for furnishing such harmful information? 

I am not an enemy of the state. I am a non-combatant, I come in peace. 

Therefore, release me from the bounds of debt slavery, because there is no money to pay debts. The only form of money that exists is gold and silver according to the XXXX. The government seized all my family 's means to sustain ourselves when the US declared it illegal for persons/citizens to possess gold. make this right