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

I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process.

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.
Product: Credit card or prepaid card

On XX/XX/2020 I received a copy of my Barclays Mastercard statement marketed under the name XXXX mastercard due to its affiliation with XXXX XXXX On XX/XX/2020 I wrote a check payable to XXXX Mastercard for {$2100.00} which they received and cashed on XX/XX/2020. 

My bank account was debited the {$2100.00} on XX/XX/XXXX. 

Barclays bank XXXX mastercard only credited {$21.00} on my statement as the payment made. 

On XX/XX/XXXX I received an email from XXXX Mastercard saying that I had shortpaid my account and my account needed immediate attention. I called them right away and discovered their error. The man I spoke with gave me a case number XXXX. 
He was to forward this information along with the copy of my check to the investigation team who would correct the error right away. 

On XX/XX/XXXX, I called into the customer service department who advised me that they would not be processing any paperwork on my account for at least 2 billing cycles. I explained that this was unacceptable as I have paid the funds from my account which is no longer their and I do not have the credit applied to my statement. Waiting 60-90 days for a response seems highly unethical and against what any reasonable person should expect to endure. I was told that the call would be escalated and I would hear from a manager in a few days. They also gave me a fax number to send my inquiry to as well as a mailing address to which I have expressed by concern and disappointment in how I was being treated as a customer. 

On XX/XX/XXXX, I called in for a status update and spoke to a person who was struggling to communicate in English however managed to express that they once again would not be responding to the investigation to at least 2 more billing cycles. 

I believe that as a consumer this is horrible practice. If we the consumers had not made timely payments we would be punished with derrogatory remarks and poor credit reporting history, however when these banks act badly and against the consumer they seems to get away with it with impunity. I have never missed a payment and I am a good and loyal customer however I am being treated unfairly and unethically as they are hiding behind a massive corporate structure and refuse to correct my account and their error for an unreasonable amount of time if they correct it at all. In essence they have stolen my money and refuse to either provide a credit to my account nor return it. Waiting 60-90 days for an expected response is unreasonable and I formally request that the CFPB investigate and request some answers. 
Thank you
Product: Debt collection

CC : XXXX, XXXX, XXXX Third party debt collection means charged off and is no a certificate of indebtness. 
1099C cancelation of debt. This now means this is income and income can not be reported to my credit report. 

please remove from my credit report Accounts Southwest Credit System XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband passed away on XX/XX/2022 and the bank put a hold on half my savings account on or around XX/XX/2022. It's a joint account but because the account was opened years ago in NC they said we neglected to " check the little box '' on the signature cards giving other account holder 100 % of survivor funds. I called the bank and spoke to my first Customer Representative. They told me I would need to go to the probate court in NC and get a small estate affidavit. I reminded the representative that my husband died in XXXX where we live and the court in NC would not have a record of his death. She said I would need to get the document from a probate court in XXXX and that it is considered a legal document. I went to probate court in XXXX and they didn't know what document the bank was requesting and could not assist. I hired an attorney and the day before I was to meet him, I got several forms from Bank of America asking for me to complete and return to the bank ( notarized ) or go to local bank and have them sent to BofA XXXX XXXX. I took the affidavit to the attorney and he completed and notarized. On XX/XX/XXXX, I met with a local BofA representative in XXXX  and they called the XXXX XXXX and all documents needed were sent to the XXXX XXXX. I was told it would take 8 to 10 business days for hold to be released. About 9 days into this period, I received another letter from BofA asking for more documents ( a Letter of Instruction ) that the local representative said was not needed " per the XXXX XXXX Rep '' she spoke with the day I was in the bank. I sent it electronically anyway. I went back to the local bank on XX/XX/XXXX. I spent one hour trying to get resolution. I was told on XX/XX/XXXX all documents were on file and the hold would be released in 2 business days. On the 2nd business day, XX/XX/XXXX I received another letter from BofA asking for yet another document. This document was sent with the XXXX and XXXX XXXX on XX/XX/XXXX. I called BofA again XX/XX/XXXX and confirmed they have all documents and then was told it would take 8 business days for hold to be released. I said no and asked for a manager. I was told I could not talk to the manager and worst-case scenario my funds would be available in another 2 business days. I hung up and went to local bank and no one could meet with me. I asked for a phone call from local BofA representative, and she basically said they could not help me, and I would need to keep working with the XXXX XXXX. BofA has had control of my funds now for approximate 25 days
Product: Consumer Loan

I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit company Equifax, XXXX XXXX and XXXX regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that equifax and XXXX XXXX, and XXXX still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done
Product: Debt collection

on XX/XX/XXXX i sent an affidavit of truth via certified mail and requested validation of alleged debt through affidavit from XXXX, XXXX and experian for thier reporting of NAVIENT accounts. On top of that i sent them a cease and desist, all documents have been notarized, I have not received an affidavit in return and it has been over 60 days. I also gave them an opportunity for remedy and have not received response. Also they have been calling me, emailing me and sending me statements in the mail. Im just tired of being harassed, and my name slandered. My life in all aspects is constantly being affected by this issue, my marriage, my time as a father I'm losing sleep and its affecting my health. This has to be resolved.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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

TransUnion TransUnion 's profile photo XXXX This site/email wants {$1.00} for 7 days then XXXX a month. 
should I try experian for a FREE report
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Credit card

My old navy Barclays card. 

I made the payment online and their system was having technical issues and the payment did not come out of my account causing me to improperly get a 30 day late on my credit card. This was not my fault. I am humbly requesting for this 30 day to be removed or not reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized or inaccurate reporting listed on my credit report, and I demand their immediate removal. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and complete. Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a hard inquiry may only be made with my consent, or if I initiated an application for credit. I did not authorize any of these inquiries, nor did I apply for credit with the companies listed. As such, these hard inquiries are in direct violation of my rights under the FCRA, and I demand their immediate removal from my credit report. Additionally, Section 607 of the FCRA ( 15 U.S.C. 1681e ) requires credit reporting agencies to maintain only accurate and up-to-date information. The presence of these unauthorized charges clearly violates this mandate, and I expect them to be removed immediately. 
XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXPartial Acct # XXXX written off after gap paid XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX-remove XXXX XXXX- Partial Acct XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Acct # XXXX XXXX Never XXXX XXXX XXXX- Partial Acct # XXXX If these inquiries are not removed within XXXX  days, I will consider your failure to comply a direct violation of the FCRA and I will not hesitate to take further legal action under Section 616 ( 15 U.S.C. 1681n ), which allows me to sue for actual, statutory, and punitive damages if my rights are not honored. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information, and you are obligated to investigate and correct this issue within 30 days. I expect that these inquiries be promptly investigated, corrected, and removed. If I do not receive confirmation of removal within the required time frame, I will take the necessary steps to hold you accountable for failing to comply with the FCRA. Please confirm in writing that these unauthorized inquiries have been removed from my credit report within XXXX  days. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name on email- XXXX XXXX PDF at bottom of email has PayPal logo They are reporting a purchase under my email for bitcoin 1. XXXX XXXX XXXX XXXX $ Below it says : The purchase receipt for your XXXX will be available on your account within the next 24 hours indicating that has received your payment of XXXX $ for the XXXX you placed. 

Hotline available for 24 hours to report this is not my purchase XXXX ( XXXX ) XXXX. No answer Secured by XXXX XXXX Policy and procedures XXXX XXXX XXXX  XXXX, All rights reserved I have never purchased XXXX from anyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of XXXX Equifax failed to keep my personal information secure. Equifax admits my information was stolen and that their security measures failed. Equifax is offering 1 year of credit monitoring service free of charge however my personal information is permanent and I will still be vulnerable for the rest of my life due to Equifax 's negligence. 

Further the information that Equifax mishandled can be used to access any account I hold or will hold anytime in the foreseeable future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info XXXX over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX N N N N N N N N N N XX/XX/XXXX N N N N N N N N Negative Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..*********XXXX B. XXXX / XXXX XXXX *****XXXX C. XXXX XXXX /XXXX XXXX XXXX *****XXXX  D. XXXX XXXX   ******XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )
Product: Debt collection

The company " Caine & Weiner '' is attempting to collect a debt from me for the amount of {$320.00} that I DO NOT OWE. I have sent this company multiple Verification and Validation request, and this company has not sent me ANYTHING proving that this debt is mine. This company is in violation of the FDCPA. Caine & Weiner has violated the FDCPA and my rights by trying to collect a debt from me which could not be properly verified or validated. This company has ignored my written request to validate this debt, this company DID NOT get my authorization to try collect this debt. I have NEVER gone into any business with this company, they did not have my authorization to have my social security information, personal information, or collect any debt from me. The last letter I sent this company was a " Intent to file Suit '' because they have violated several laws per the FDCPA and I still intend on suing if this account is not deleted from my credit reports immediately. Attached with this complaint is all of the correspondences between Caine & Weiner and myself, and to be very clear this company was suppose to respond to my request 30 days after the Intent to file suit letter, and they have not, This is also a violation. My attorney and I plan to use all of these violations in court.
Product: Credit card or prepaid card

In XX/XX/XXXX, I placed 1 charge for {$67.00} on the card. I had not used the card in over 2 years but previously had Autopay setup. According to bofa customer service over the phone, Autopay was disabled automatically because it had not been used and no notice was ever sent to me. Since I did not know that, I assumed autopay would pay the balance at the end of the month and did not monitor it. The FIRST notice I ever recieved that there was an issue was in XXXX or XX/XX/XXXX. I immediately called bofa to see what was going on and shortly after paid the entire balance AND interest charges. 

Now bofa is reporting negative info to my credit reports stating that the account was past due in XXXX and XX/XX/XXXX. While that is technically accurate, it does not acknowledge bofa responsibility for causing that by disabling autopay and not contacting me about a late payment for over 3 months. The have my address, my email and my phone number. But rather than let me know, they prefer to just ruin my credit over {$70.00} that was their fault for not being paid in the first place.