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

In XX/XX/year>, I requested Equifax to investigate the following accounts reporting on my personal credit : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX XXXX XXXX XXXX open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; CREDIT CARD XXXX  XXXX XXXX XXXX XXXX XXXX open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ). Equifax 's initial response was that they completed their verification of the accounts listed above, but nothing was modified, nothing was updated, and Equifax never provided me with a description of their investigation, and still has yet to do so to this day. The Fair Credit Reporting Act ( FCRA ) demands that credit reporting agencies ( CRAs ) use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. Equifax failed to adhere to this law in XXXX important ways : First, Equifax 's faulty intake procedures failed to accurately convey all relevant information regarding the dispute to the original furnisher of the disputed information ; additionally, Equifax failed to provide the furnishers with documentation submitted that supported the disputes ; Second, Equifax uncritically accepted the original furnishers response to the disputed information, even when that response was either improbable or illogical on its face or when Equifax had other information in its possession that alerted or should have alerted Equifax to the possibility that the furnisher might be unreliable ; Third, at the conclusion of its reinvestigation, Equifax sent notices that failed to inform me of the reinvestigation results, and instead provided information that was confusing, ambiguous, incorrect, and internally inconsistent ; Fourth, Equifax deliberately provided false and misleading information to the CFPB that it investigated my disputes, when in fact they never did. Equifax 's actions were an attempt to illegally evade responsibility for their lack of capacity to properly conduct an investigation into the disputed accounts. Equifax 's failures to properly investigate and provide me with the specifics of their investigation results are an abdication of its obligations under the FCRA and in direct violation of federal law ; 15 U.S.C. 1681i.
Product: Checking or savings account

On XX/XX/XXXX someone walked into a Wells Fargo Branch in XXXX Florida and withdrew {$5000.00} from my joint account. I was not provided any information requested such as how did this happen or why it happened in the first place. My money was returned to my account on XX/XX/XXXX and I have not been contacted since by Wells Fargo with any explanation. I had submitted a police complaint and an investigation was opened. A subpoena was submitted by the police dept and never responded to which led to the case being closed due to lack of cooperation on Wells Fargo part. I have the letter where Wells Fargo explains it will give the Branch Manager permission to share the withdrawal slip as well as video footage as well as communication from the detective alerting me to the fact that they would not share any information and were being " difficult ''.
Product: Credit reporting or other personal consumer reports

I am deeply concerned that my XXXX Credit History has been negatively impacted due to repeated late payments, which I believe are a result of the following errors : Under the Fair Credit Billing Act, your company has made several billing and mathematical mistakes, including : Failure to properly post payments and other credits. 
Failure to send bills to my correct address, despite my timely written notification of the address change at least 20 days before the billing period ended. 
Incorrect charges for which I requested an explanation or written proof of purchase, or raised concerns about a potential error. 
Additionally, I have conducted research and found several violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 623 ( a ) ( 3 ), which applies to creditors/banks Section 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute if the accuracy or completeness of information is questioned.

As per Section 611 ( A ) of the Fair Credit Reporting Act, I request that these accounts be reinvestigated and deleted. I expect this to be done within 30 days, which I consider a " reasonable time. '' If you fail to verify within this timeframe, the items should be deleted as per Section 611 ( A ) due to non-verification.

Furthermore, in accordance with Section 611 ( D ) of the Fair Credit Reporting Act, please provide me with written confirmation that these items have been deleted from my credit report. Please send me an updated copy of my credit report to the address below. As stipulated in Section 612, there should be no charge for this notification of changes to my credit report. 
XXXX account number XXXX, XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I recently reached out to this credit bureau in XXXX, XXXX, and XXXX of this year XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. They only corrected a part of it and has continued to report the same wrong information. I have reached out to try to correct this a several times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, this credit bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b XXXX 

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. I feel violated and unprotected and have suffered loss as a result of their neglect.
Product: Credit reporting or other personal consumer reports

I have been unable to access my online my Equifax account since XXXX of 2023. For the past XXXX  months I have put in over XXXX support tickets to tech support to get the issue resolved however on XX/XX/XXXX a supervisor reached out to tech support who in response told them that Equifax security team put a block on my online myEquifax account in XXXX of 2023 due to suspected fraud and that I needed to send in identity documents to get the block remove in response I told the supervisor I sent in identity documents in XXXX, XXXX, XXXX and XXXX of 2024 and they still didn't remove the block off my Equifax account. So on yesterday XX/XX/XXXX I spoke with Equifax consumer affairs to a man name XXXX out of XXXX, XXXX  who seemed to be a little rude and told me that nothing was needed for me to send in and that I have to wait until XXXX of 2025 for the block to fall off and then I can create a new account I asked him why I have to wait he told me that he don't have the information of why I have to wait at this time and then he told me he have to end the call and hung up. So I called back and spoke with XXXX who in response told me that the security team will reach out to me and that's all the information he has. I called back and spoke with a lady who told me that the block will fall off in XXXX of 2024. I need access to my online Equifax now. My online Equifax account has never been use for fraud or anything of that nature. My Equifax account was use to view my credit and find inaccuracies and submit the problems to Equifax.
Product: Checking or savings account

On XX/XX/XXXX I informed XXXX XXXX that they were not authorized to charge my debit card and I also placed a stop charge on my debit card with Wells Fargo. On XX/XX/XXXX, I saw that despite informing XXXX XXXX  that they were not authorized to charge the card and Wells Fargo being informed that they were not to permit the charge to go through, the charge went through. The service had already been cancelled. The amount charged was {$2300.00}. I filed a complaint with Wells Fargo. I provided them with documentation where I had revoked the authorization of XXXX XXXX to charge my card. On XX/XX/XXXX I was informed that their investigation found that there was no error in the charge and that they would be revoking the provisional credit. I also had provided documentation to Wells Fargo showing I had told XXXX XXXX that they were not to charge my card.
Product: Credit reporting or other personal consumer reports

I disputed back in XXXX of XXXX with Experian for fraud inquires from XXXX XXXX XXXX and XXXX XXXX and Experian blocked the inquires and told both XXXX XXXX And XXXX that it was fraud and when the accounts hit my credit file they blocked the accounts from XXXX XXXX  on Experian. Then XXXX XXXX changed the account number and XXXX  amount and placed it back on my Experian credit file as new but with the original opening date as the last account. I talked to the upper fraud team and they said this was clearly fraud on XXXX XXXX  and this isn't right. So they blocked it several times and XXXX XXXX  kept requesting to have it unblocked as it was verified as mine. Like no proof just fords word. I have submitted several police reports and FTC identity theft reports and original documents that Experian sent me back in XXXX that the account were deems as fraud from XXXX. They have allowed XXXX XXXX  to change the address several times and change the account several times to keep this account on my credit file. Experian has blocked this address linked to this account several times but keeps allowing XXXX XXXX  to unblock it but there has been XXXX accounts under that address on XXXX XXXX XXXX XXXX North Carolina XXXX as fraud account and the banks have removed them and local and state law enforcement has deemed that address as a fraud address for over XXXX victims. Experian XXXX knows all of this but keeps allowing XXXX XXXX to unblock the account and put it back on my credit file. knowing that it's fraud. I have XXXX all to proof and XXXX has shown nothing but now I'm losing my house because the bank is calling in the loan because of this XXXX XXXX Account. Now I'm getting more fraud loans added to my credit file to Experian because this address in XXXX NC is unblocked. The mixed department fraud agent stated on XX/XX/XXXX they clearly this account is fraud because XXXX XXXX  removed the other ones as fraud and deemed the address in XXXX NC as a fraud address but fraud keeps unboxing this account as its mine and Experian has knowledge that its not mine. legal actions will come forward on both XXXX XXXX and Experian if this account isn't blocked and address in XXXX isn't blocked for good. XXXX and XXXX both have blocked this account and address and its never came back on the credit file, XXXX XXXX has tried but XXXX and XXXX has gotten it blocked permanent and XXXX lost the rights over this trade line. Now XXXX XXXX is changing the account numbers and balance on the trade line like as I'm paying the balance down and which that's isn't true and Experian is allowing this. I have XXXX and this is causing so much stress in my life. XXXX XXXX is known for this because the same case happened in CA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX was found guilty and had to pay out XXXX for abuse of credit rights and Experian was also fined. All want is this account to be removed and permanently block like XXXX and XXXX. The proof is right in front of you so please help me please.
Product: Credit reporting or other personal consumer reports

It is concerning to discover that my credit with your bureau has been compromised. I have been informed that despite submitting items with an FTC fraud report # XXXX, they have not been removed. This represents my second complaint as a victim of identity theft, and I have submitted it to dispute the inquiries in my file resulting from the crime. Attached is my new FTC report # XXXX for your reference. The inquiries I am disputing do not pertain to any transactions for goods, services, or monetary exchanges authorized by myself. Therefore, I request the removal of the reporting of these inquiries from my credit file, which resulted from an alleged identity theft : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are unfamiliar to me. Additionally, the information provided on these inquiries has been deleted from other bureaus, casting doubt on their accuracy. The reported history dates of these inquiries are also unknown to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request their removal.
Product: Checking or savings account

I went to the Webster Bank ATM at the XXXX XXXX XXXX, XXXX, CT, XXXX location shortly after XXXX XXXX EST on Monday XX/XX/XXXX. I insert my debit card and choose the option to deposit cash into the ATM. I deposited {$100.00} cash into the ATM, and shortly after the machine closed it gave me an error message stating my transaction could not be processed. The machine opened back up and did not return my {$100.00}. The machine also did not give me back a receipt. There is also no deposit shown in my account. The ATM at this location ate my money.
Product: Student loan

I filed for Income Sensitive Repayment plan by the deadlines I was given in both XX/XX/XXXX and again in XX/XX/XXXX to Navient. Due to their delays in processing, higher payments were auto deducted from my checking account both times. Navient takes 2-3 months for processing then the loan borrower is charged a higher payment even though they are eligible for a reduced payment. Both times I spoke to customer service to be sure that processing would be completed prior to the date that payment was scheduled for auto deduct. I was assured both times that my information would be processed prior to payment date, yet, when payment was due the higher amount was taken out and future phone conversations with Navient reveal that only then did they attempt to " expediate '' the processing of ISR plan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report XXXX XXXX {$380.00} HARVARD COLL {$1700.00} XXXX XXXX XXXX {$1000.00}
Product: Credit card or prepaid card

I am filing a complaint against citicard credit card Mastercard XXXX XXXX XXXX name on card. 
On XX/XX/XXXX my credit card was denied. I went online to my account and saw faudulent charges to XXXX  XXXX XXXX XXXX On XX/XX/XXXX two a charge for XXXX and a charge for XXXX On XX/XX/XXXX separate charges XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Fraudulent charges totaled 14, XXXX I immediately reported this activity to citicard, account was closed and I was told I would not be responsible for fraudulent activity. I NEVER recieved even 1 alert about these highly suspicious charges. I never use my credit card for any purchases like this. In addition citi card allowed my account to go XXXX over my limit. This was again a big red flag. Only when I called them on XX/XX/XXXX did they realize the fraudulent activity. On all my credit cards I get alerts for much less suspicious activity. My son is an authorized user on this card and was about to close on a mortgage. When this showed up on his credit the mortgage company said it affected his credit rating. I am the primary on the card, took him off the card but it caused his credit rating to go below the accepted level for the mortgage. He is still hoping to close. 
I contacted XXXX XXXX the security supervisor at Citicard on XX/XX/2020 only to find out that the investigation had not even started and could take 90 days before they remove the charges. I need to get my credit repaired asap. 
Citicard failed to id these fraudulent acitivities and now I am still waiting over 1 month later for the charges to be removed from my charge. XXXX said it could take 45 days for the merchant to give an explanation. THis makes no sense. Their negligence is causing my son to possibly lose his loan. XXXX XXXX can be reached at XXXX My credit score dropped significantly. I need these charges removed so I can contact the credit bureau. I also sent a letter to Citicard XXXXXXXX XXXX XXXXXXXX XXXX XXXX S. Dakota XXXX as advised by XXXX XXXX, the security supervisor. 
I am attaching a copy of this letter. I have not heard back and it has been over 2 weeks. Thank you for your help
Product: Credit card

They have been trying to corner me to send my notarized photo ID in because I failed a voice password verification about three months ago. Having failed to forcibly extract that information ( which no other bank or credit card company I've dealt with has come close to requiring ), they have decided to XXXX with my online banking -- I can't even log in and make my minimum payment, because it says the password is incorrect, and when I try to reset the password, they say that the information I put in it to obtain a new password ( my email and my social security ) is wrong. Which is more likely -- that I don't know my email and my social security number, or that they just REALLY want to forcibly extract my photo ID from me, and they're making things more and more difficult for me ( when they locked the credit card, I had decided that I would just make the payments, and never use the card again ) in order to do that? What kind of insanity is this? Why can't they settle for a 2FA like every other credit card or bank? What are they planning to do with my information that they NEED it SO BADLY? It's extremely worrisome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, XXXX being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name Account Number XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have contacted ChexSystems on a number of different occasions about the inaccuracy of an account that they are reposting in my credit file ( XXXX XXXX ). They have done nothing to try and help me resolve this issue except tell me to reach out to the back in which I did and spoke with a rep name XXXX who had no idea what account I was speaking of and said that he is unable to help me but he would forward my complaint over to his chairman. I am very frustrated with this issue as it has stopped me from being able to open a bank account