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

I recently disputed this account in XXXX of XXXX, and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFIABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

Account # XXXX - Delete this erroneous account IMMEDIATELY! 

Several problems with this account AFTER an investigation : 1. The date active is different across all three bureaus. 

If EXPERIAN really did an investigation, why is the last active reporting date is XX/XX/XXXX when the account was disputed XX/XX/XXXX. It should state XX/XX/XXXX because that is the date they received the dispute and began an investigation.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the past XXXX we have moved into several different rental properties. Each time, we returned our cable internet equipment per the agreement. We noticed that the branch office where we were returning equipment was becoming increasingly defunct and disorganized, each time becoming more and more frustrated with their services. Each time we returned equipment, we were told that all we needed to do was leave it with the customer service employee at the front counter and every single time we did. 

Over the past XXXX years, XXXX XXXX has attempted to report a debt on my credit report to XXXX. The other credit reporting agencies will not accept their request because it clearly lacks sufficient basis in fact for reporting. Yet, XXXX repeatedly allows this vague report of my credit as a collection. XXXX has been repeatedly told and warned that the debt they are claiming has no basis in fact yet they continue to report the debt to my XXXX ( only ) credit. 

The collection agency has also been repeatedly warned and told that the debt is not legitimate. I do not owe them any money for any equipment or any services and any claim that I do based on the incompetence of their employees is absurd. If the equipment is lost, it was lost in their possession not mine. Consumers have no use for cable internet equipment after the service has discontinued.
Product: Mortgage

LOANCARE sent letter that I did not have enough coverage on home when I did. So I changed insurance companies on XX/XX/2019, See attached bill. LOANCARE never paid the premium out of my escrow account so I received a policy cancellation from XXXX. I then called XXXX   and paid the {$680.00} in full and then Called XXXX XXXX XXXX to complain along with LOANCARE and they said I show a payment was requested to XXXX and she would do it again, I told her at that time not to bother because I paid it in full and wanted them removed from doing my escrow. They refused and then send me a bill for {$330.00} for lack of insurance coverage because they did not do their job, I received a letter on XXXX XXXX saying I owe {$330.00}. I have reached out to XXXX XXXX XXXX to complain and no reply. LOANCARE is playing games and will not correct their mistake. 
I will not pay this bill as it was not my error and if and attorney and law suit is required I will hire an attorney
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 XXXX I sent XXXX XXXX {$190.00} via CASH APP for a XXXX XXXX XXXX edition. The item and profile was listed on XXXX. The XXXX profile name was XXXX. She then proceeds to tell me package should arrive in a few days. a week almost passes and package never comes i then tell her to give me the XXXX  tracking number and it turns out to be invalid. I then tell her to send me my money back via CASH APP. She makes excuses and says it wont go through. I even requested it back and still it wont got through. I give her my XXXX info to send it through and she says it still doesnt work and tells me to make a email with password and send it to her. I have yet to receive my money and XXXX. I called XXXX who I bank with and they tried to despute the charge but They reversed it XX/XX/2020. XXXX said they cant help me with anything. CASH APP says they cant offer refunds contact the recipient, but that doesnt work either. XXXX XXXX CASH APP name is $  XXXX the mobile number used was XXXX XXXX XXXX XXXX XXXX. Plz help me my account is - {$200.00} I just want my XXXX back
Product: Mortgage

I applied to pull equity out of my home that is paid off. I completed the application with Bank of America and my loan got denied. After speaking with BOA, they told me to resubmit it and I did, this time I was asked, " How do you know this person? '' " How did you find this house? '' and I asked were these legitimate questions and in the translation they stated they told me to contact the credit department. Well, I provided everything that was asked and both times I put the {$1000.00} appraisal fee down, which both times were partially returned. BOA stated that my loan was denied because I didnt contact the credit department. I found it very odd because I was in close contact with loan officers and provided everything that was requested. I have a concern that BOA denied me of this loan based BOA discriminatory practices.
Product: Checking or savings account

i am filing a complaint against Capital One regarding the deceptive practice related to their 360 " high yield savings '' accounts. Capital one misrepresented the 360 savings account as having one of the notion 's highest interest rates, yet failed to notify accountholders about the superior rates offered by 360 performance savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

Since XX/XX/2021 till now, there have been reps from Navient that when I have explained to them I am on a health leave and dont have the means to pay they insist and insist that I get in a plan and make a payment. I have told them that I am also trying to finish up some courses that will help me get some income when my Dr takes me off the health leave. All I hear from the reps are that I need to get in some pay plan and if not I will be sued. What am to do then I say if they are not willing to help me then I will have to file XXXX I dont want to do that but their calls are only based on threatening to sue me they dont offer me any reprieve and yet there are other loans they put in deferred b/c I am In School yet these tLoans they are threatening to sue me for are not in forbearance and put a lien on any property I may own. Those to me are threats and no offer of help
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes. reporting to my consumer report with XXXX, XXXX, AND XXXX. 
hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. This company has placed an account on my credit report that I have no knowledge of. I refuse to pay this debt & I do not owe it. I am not liable for the debt and I do not have a contract.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two unnamed medical collections # XXXX and # XXXX to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Product: Credit reporting or other personal consumer reports

There are several items on my credit report that are either incorrect, out of date or just wrong that I want removed from my credit report.  Please see the items below:

Personal Information
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 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 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 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: Debt collection

I owed some money to XXXX back in 2017. They sent my account to a collection agency ( XXXX XXXX ). The latter contacted me and I paid them and the cases was settled and closed. After two years, EOS CCA ( another collection agency ) reported to XXXX that I owed them {$59.00}. I explained to them that I paid XXXX XXXX and the case was settled and closed but in vain. This company has been doing to a lot of people as I read online. I have a bank statement showing I paid XXXX XXXX. By the way this company is out of business as I checked online.
Product: Credit card

I closed a credit card account with US bank after redeeming the rewards, the officer who closed the account confirmed that there wont be any issue while redemption of points and credit balance refund, however till date the bank did not issued the refund and every time I call them, they give me a response that the account is under review. While the account was XXXX balance as per the last statement, not sure what the bank is reviewing for 4 weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of XX/XX/2022 and XX/XX/2022, I reached out to TransUnion to dispute improperly reported hard inquiries on my credit report. I was told that the agents could not help me with this each time and that I would have to let the inquiries drop off naturally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. It is XXXX XXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.
Product: Debt collection

Repeatedly left voicemails on a relatives phone number identifying as a debt collection agency.
Product: Checking or savings account

I am filing a formal complaint against Citibank for a major error that has put my {$25000.00} at risk. In XX/XX/year>, I opened a Certificate of Deposit ( CD ) at the Citibank branch on XXXX XXXX, XXXX. However, Citibank mistakenly opened my account under a completely different person who happens to have the same name as me. None of the identifying detailssuch as address, date of birth, or Social Security numbermatch mine.

After opening the account, I checked my online banking but could not find the CD. I immediately called Citibank customer service, but the representative said my information did not match their records and refused to help. At the time, I assumed it was a temporary online issue, as Citibank frequently has such problems. 

Recently, when I visited a Citibank branch to make a deposit, I asked about my CD. To my shock, the banker informed me that the account was under another individual with my same name. Instead of fixing their mistake, they told me I had to return to the original branch where I opened the account. 

Now, I am facing the possible loss of {$25000.00} due to Citibanks negligence. Their employees made a critical mistake, and yet the bank refuses to take responsibility or resolve the issue. This is completely unacceptable. If Citibank does not return my money and correct this error immediately, I will be forced to hire a lawyer and take legal action. 

I request that the CFPB investigate this matter and hold Citibank accountable. I expect a full resolution, including the immediate return of my funds, an explanation of how this happened, and assurances that Citibank will prevent such errors in the future. 

Please advise me on the next steps. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX  Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report incorrectly lists an open auto loan with a balance from American Honda Finance. I sent a dispute with XXXX who contacted American Honda Finance who informed them the information was correct and no changes were completed. I contacted American Honda and they told me that that account was closed with XXXX balance. I contacted XXXX and they told me that American Honda reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my credit report.
Product: Debt collection

XX/XX/XXXX I disputed this account XX/XX/XXXX ( XXXX ) XX/XX/XXXX I received notification of XXXX XXXX XXXX on my report which leads me to believe my account was not investigated properly. I am asking for the account to be removed from all 3 credit bureaus if not able to Validate this account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification Dear Sir/Madam, I am writing to request Method of Verification ( MOV ) regarding a disputed item on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive information on the method used to verify the accuracy or completeness of the disputed item. 

The details of the disputed item are as follows : Creditor Name : Complete Credit Solution Account Number : XXXX Date of Dispute : XX/XX/2024 Description of Disputed Item : Purchasing Power / complete credit solution I have recently received a response to my dispute, but I am requesting clarification on the method used to verify the accuracy of the information. Specifically, I would like to know : XXXX. The specific procedures followed by the credit bureau to verify the accuracy of the disputed information. 
XXXX. The names and contact information of any sources contacted during the verification process. 
XXXX. Any documentation or evidence relied upon during the verification process. 

Please provide this information within the timeframe specified by the FCRA, typically 15 days from the receipt of this letter. Additionally, I request that any negative reporting related to this disputed item be suspended until the requested information is provided. 

Thank you for your attention to this matter. Please communicate with me in writing to the address listed above. 

Sincerely, [ Your Name ] -- - Remember to fill in the placeholders with your specific information and details related to the disputed item on your credit report.
Product: Credit card

This involves an Amazon Store Card from Synchrony Bank. 
On XX/XX/XXXX I made a {$540.00} purchase on Amazon.com with a XXXX 0 % -interest equal-pay promotion, which would have been {$90.00} per month starting in XX/XX/XXXX. I had a regular balance of over {$600.00} on my account as well and, on XX/XX/XXXX, I made a {$600.00} payment towards the credit card, assuming that it would go towards the regular balance since the other balance was on the 6-month plan. The payment was applied towards the 0 % interest purchases first. I did not find this out until I received my XXXX statement on XX/XX/XXXX. On XX/XX/XXXX I called Synchrony 's customer service line and spoke to a person that said that they would re-allocate the payment towards my regular, interest-accruing balance. On XX/XX/XXXX I received a letter that stated that " Unfortunately we are unable to accommodate your request as we are only able to reallocate payments to and from deferred interest promotions. '' I waited until my statement came out at the end of XXXX and noticed that I was charged interest and my promotional balance was still {$0.00}. On XX/XX/XXXX I called Synchrony 's number again, spoke to someone, and they again told me that they would re-allocate the payment. On XX/XX/XXXX I received a letter that stated " Your payment has been applied to your account balance as requested. The change will be shown on your next billing statement. '' On the same day, I received another " Unfortunately we are unable to accommodate your request.. '' letter. I waited until my next statement, on XX/XX/XXXX, and I was again charged interest and the equal-pay balance was still {$0.00}. I called Synchrony 's customer service line again and was told that, since it had been past 60-days they could no longer re-allocate the payment. I escalated the issue to management and was told that the only way that I could have kept the six-month 0 % promotional balance is if I did not pay off my regular, interest-accruing balance and only paid the minimum {$90.00}, as anything extra will go towards the 0 % interest balance rather than the nearly 30 % interest balance. This is very deceptive and makes the entire purpose of a 0 % interest 6-month payment plan pointless.