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

RE : Formal Dispute for Incorrect Account Information XXXX XXXXXXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the reporting of an account from XXXX XXXXXXXX XXXX on my Equifax credit report. Despite previous disputes over a significant period with both XXXX and XXXX, which have already corrected this error, Equifax continues to report this account inaccurately. This delay and inaccuracy violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Here are the specifics of the disputed account as it appears on my Equifax report : Creditor : XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( updated as of XX/XX/XXXX ) Credit Limit : {$200.00} Status : Closed, with a single late payment inaccurately reported for XX/XX/XXXX Grounds for Dispute I dispute this account information based on the following grounds under the FCRA : Inaccurate Reporting : The status of the account and the reported late payment in XX/XX/XXXX are incorrect, as previously confirmed by XXXX and XXXX, who have since corrected these errors. 

Failure to Report Consistently Across Credit Bureaus : The persistent error in Equifax 's reporting, despite corrections on the same account by other credit bureaus, creates an unfair discrepancy in my credit profile. 

Violation of Timely and Accurate Reporting Requirements ( 15 U.S.C. 1681i ( a ) ) : Equifax is obligated to maintain accurate information on my report and to investigate disputes in a timely manner. Failure to update the corrected information after sufficient dispute notification is a violation of FCRAs accuracy requirements. 

Request for Immediate Action In light of these inaccuracies, I respectfully request : Immediate deletion or correction of the inaccurate reporting related to the XXXXXXXX XXXX XXXX account. 
A full re-investigation of this account in compliance with the FCRA requirements and an expedited correction to reflect accurate information on my Equifax report. 
Written confirmation of the investigation results and a copy of my updated Equifax report reflecting these corrections. 
Please find attached copies of relevant documents, including correspondence from XXXX and XXXX, confirming the updated and corrected status of this account. I am also enclosing a copy of my ID and proof of residence to verify my identity. 

Thank you for your prompt attention to this matter. I expect to receive confirmation of your receipt and initial actions regarding this dispute within the timeframe stipulated by the FCRA. 

Sincerely, XXXX XXXX XXXX Phone : XXXX
Product: Checking or savings account

I received an debt card from MoneyLion in my name and I never asked for. I've tried to contact the company but they do not have a phone number that I can talk to a person. 
I've sent several emails and never got a reply. 
Not sure how I can contact a company that I've never used?
Product: Student loan

I to change repayment plan from XXXX to XXXX on XX/XX/year>. Mohela, the loan servicer is required to place me in a " processing forbearance '' as soon as the request is received which lasts up to XXXX  days. However, despite being over XXXX  days after the request, I STILL have not been placed in a processing forbearance. Mohela has exceptionally poor customer service, extended phone wait times, and slow responses via email. Please help me to resolve this issue. Thanks.
Product: Consumer Loan

I purchased a vehicle with capital one on XX/XX/2016 and later on XX/XX/2016 my vehicle was totalled. Since then capital one has received payment from my auto insurance company and my gap insurance company totalling approximately {$22000.00}. And leaving a remaining balance of about {$1800.00}. I no longer have this vehicle and has since purchased another vehicle with another company. The vehicle itself was sold at about {$16000.00} after rebates and the rest was interest making the total loan balance about $ 24k. They have continued to call and email me trying to collect " interest '' on a car I no longer have the ability to drive. I do n't believe what they 're doing is fair or ethical. I spoke with several reps and explained to them that I do n't have the financial means to pay that remaining balance in full or in payments. I am a 9-5 worker living check to check. At this point it has become very stressful. They have received approximately 94 % of the total amount due. I suggested that they consider that amount that they 've received as a settlement or paid in full loan and they refused. I do n't think it 's right for them to be pressuring me about paying " interest '' on a total loss vehicle and threatening to charge it off on my credit report when I made all my payments on time when the vehicle was operable. Please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN SERVICING XXXX Student loan account that has been transfer to another account. I want this derogatory information removed from my credit report. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 card or prepaid card

Capital one refused to close my card despite fraudulent charges on the account, including charges made by them.
Product: Credit card or prepaid card

I have american express personal platinum card XXXX, which has XXXX points which I would like to transfer to airline partner as advertised by AE. 
I kept getting this message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I have the card for a long time, and I believe this action from AE prevented me to transfer points and use points for airline at a timely manner. 

XXXX XXXX
Product: Vehicle loan or lease

I applied for an auto loan with the company and was told that the my report could not be pulled because I dont not have any credit and then that my credit report had negative items on it that would prevent me from getting the vehicle. According to the Federal Reserve Act, the application is the collateral security and I did not receive anything for my application.
Product: Mortgage

After waiting 5 months for assistance with my mortgage payments because I lost job the lender only offered a forberence plan that would then put me past due. Th offer is still unaffordable based on just my husbands income. They intentionally want me to default on my loan. After Ive begged for a modification, which I am eligible for they refuse to help. I explained to the underwriter that reviewed my paperwork that {$820.00} a month still doesnt meet the requirement of 31 % of my new household income. Also, if I default on my payments it affects my credit which will also affect my chances of finding a job. When Ive applied for jobs I need to pass a background and credit check, if Im delinquent it wont help me get out of his financial hardship.
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 : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

This company acts like you can dispute items online. You can not. You have to call and wait on hold forever. They allow XXXX collection agency to list XXXX account as XXXX, allows another to keep changing the date opened date, and the other XXXX are fraud but I can't dispute without calling which I am guess if I ever get a person, it will be an attempt to get me to subscribe to their services which is pretty much all their site is. An attempt to get people to spend money on stuff that is useless and unnecessary. I just want to get the bad accounts off my report without it taking forever. And how to get to see the info they supposedly got to verify the accounts because I'd like to see it. I don't think there is any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my only loan with XXXX XXXX last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXX IL office and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and Transunion all three to update and close this old loan and add the new loan. They can contact XXXX XXXX to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and XXXX to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!
Product: Credit card

I have card accounts on my credit from when I was incarcerated ITS NOT ME THIS IS FRUAD
Product: Credit reporting or other personal consumer reports

Thank you for correcting some of the misleading information in my credit file. However, I am not satisfied that the guidelines of the Fair Credit Reporting Act have been fully met. The account still requires proper action to ensure maximum accuracy in my credit file. Therefore, I am requesting another investigation of the account listed below : XXXX  Date Opened : XX/XX/year> XXXX Balance Owed : {$2100.00}. If your investigation can not confirm the validity of the account 's information that I believe is inaccurate, please update it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from capital one which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.
Product: Checking or savings account

Citi was promoting a {$300.00} cash bonus to new eligible customers who opened a checking account within a time frame. I saw this offer in XXXX and created a checking account with Citi ( this was my first time ). According to Citi, new account holders had to have XXXX Enhanced Direct Deposits directly into the account within 90 days from opening, and the total must be over {$1500.00}. I did this by using XXXX to deposit {$1600.00}. I deposited {$500.00} on XX/XX/year> ; {$500.00} on XX/XX/year> ; and {$600.00} on XX/XX/year>. The offer said to wait XXXX calendar days to receive the {$300.00} bonus. 

However, within a week of the deposits, I noticed that unlike Citi 's website that claimed users must open the checking account through this ( https : //banking.citi.com/cbol/OM/checking/enhanced-direct-deposit-offer/default.htm? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) website, I opened it on Citi 's main homepage XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX ). I called Citi to double check whether the link I clicked could affect my eligibility. Its customer support told me that there is no difference, and that I am qualified anyways. I was relieved and I waited for the bonus. 

Fast forward to XXXX, I realized its been a few days and so I called Citi again to see when my bonus was coming in. I called on XX/XX/year>, and the representative told me that I had to wait around another month. I was fine and I waited. It was XXXX and the money still was not in, so I called again on XX/XX/year>. This time, Citi told me to wait until the end of XXXX. I came back from vacation end of XXXX and saw that there was {$300.00}. I waited patiently because I assumed Citi was busy with many customers opening accounts for the bonus. It is now XX/XX/XXXX, and it has been more than XXXX months since I opened my Citi checking account and the {$300.00} is nowhere to be seen. I did not want to call Citi again and be told to wait, hence I am writing this complaint to see if something can be done. 

Additionally, my bank balance is still over {$1500.00} so there is no way I quit being eligible.
Product: Money transfer, virtual currency, or money service

I am a XXXX / XXXX  based in XXXX and started working with Paypal as a XXXX option for the money sending/receiving from my respective clients. 3 Months ago, Paypal has blocked my account permanently by holding the balance of XXXX XXXX. I am now waiting for 90 days for the money that belongs to me and this XXXX XXXX XXXX is holding XXXX from XXXX XXXX without any authority. 

I am really not in the favor of using this XXXX XXXX XXXX, and XXXX services as a reseller in the future, All I need your support for withdrawing the money from Paypal. 

I have tried reaching them, 2 hours on the Long hold on interaction XXXX number and over the XXXX XXXX feature but none of the time I have received a positive response. It seems like this XXXX XXXX is trying to attempt illegal authorization on my Money. 

My registered Paypal XXXX : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I paid a merchant through XXXX XXXX and was scammed. There was no more contact once they took my money. I immediately requested a refund but was denied. I then filed a claim with chase bank and just received notice that theres some paperwork showing that I received goods, which is impossible because it wasnt for goods but for services. I signed nothing and received nothing so I am unsure of how they would have documents showing that I received products.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Phoenix Financial Services stating that I owe {$820.00}. That same day, I sent out a request to provide proof of debt owned, with my signature and details. 

On XX/XX/XXXX, I received another letter, without any information I requested. 

On XX/XX/XXXX, I received yet another letter from XXXX XXXX XXXX with some cryptic CRT Code/Modifier and the date of XX/XX/XXXX. Once again, no explanation and no proof of debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, accounts that I do not recognize and incorrect personal information.
Product: Credit reporting or other personal consumer reports

i am a victim of data breach and identity theft. please block and delete these accounts within 4 business days pursuant to FCRA 605B15 U.S.C 1681C-2 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE CONTACTED THESE LENDERS AND TOLD THEM I HAVE BEEN VICTIM OF DATA BREACH
Product: Checking or savings account

I opened a Citi checking account to receive the Welcome Checking Cash Bonus Offer, and funded it on XX/XX/XXXX. I maintained the account balance through XX/XX/XXXX. 

I reached out to Citi on XX/XX/XXXX to confirm I was correctly enrolled in the bonus program, and a Citi representative told me verbatim : " Terms : The bonus will be credited to the existing Account within 90 calendar days from the date when the client completed all required activities ( Opened Account, deposited with in 20 days from Account Opening and maintained for 60 days ) 60+90 days Basically. '' I have attached screenshots of the conversation. 

I reached out to a second Citi representative on XX/XX/XXXX because it had been more than the 60+90 days referenced by the first Citi representative, and I still had not received my bonus. The second representative agreed that I had met the terms of the bonus offer, and offered to file a dispute on my behalf. I have attached screenshots of the conversation. 

I received an email from the Citi Client Care Team on XX/XX/XXXX, stating that they had researched the matter and I did not qualify for the bonus. I am a bit flummoxed, as I know that I fulfilled the bonus qualification requirements and have effectively had two separate Citi representatives confirm the same.
Product: Student loan

My name is XXXX XXXX.I went to XXXX XXXX XXXX from XXXX to XXXX. I was even making a few payments to them. I don't understand why I have to pay anything back when I qualified for Fasfa which is not paid back and I NEVER RECIEVED MONEY OR ANYTHING from them XXXX XXXX or XXXX XXXX XXXX. My fasfa was more than my loans so my fasfa should've took care of the 1 month and 1 month ONLY I was enrolled. NOW THAT I WANT to go to XXXX I can't because of these loans. And both parties keep giving me the runaround to call the other one.
Product: Mortgage

Hello how are you? Im having so many issues!!! 
Starting from getting my percentage rate wrong Changing 2 loan officers, having multiple numbers on my table wrong both times waiting for mouths to receive a response every time I called in not one seem to know anything From manager to customers services, lots confused! After all did get refinance number but not with right rate and I was so tired and mad I go head and sign it, I was told I didnt had to pay intel XXXX, I have spoken to many people from XXXX XXXX to ect ect On Friday I get an alert from my credit since Im very careful and fixed it! It drop 135 point and I was going to faded I look carefully and I see that you guys reported non payment for the mouth of XXXX! Im so mad, I wanted to talk with someone that gives me answers and correct this enormous error on your behalf, otherwise if to take action with my attorney! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payment information reported for this account is inaccurate and inconsistent with other payment history reporting.
Product: Checking or savings account

On Thursday XX/XX/XXXX my wife and I went into the XXXX XXXX Truist branch to open a new checking and savings account with a {$220000.00} we received for the selling of our home. We provided copies of our driver 's license and the XXXX XXXX XXXX XXXX, XXXX XXXX setup our account. My wife took the check to the counter and deposited it in our new account. They told us there would be a 10 day hold on the account but then everything would be fine. 

A few days later I tried to access my Truist Online Banking Account and it told me I was locked out and needed to call because of security concerns. I went to the branch and they referred me to their fraud department located in the XXXX. I was told that we weren't welcome to do business with Truist and needed to take our banking somewhere else. This has never happened to me in my entire life. They told us this was a fraud and wouldn't give us any answers. 

I called the lawyer who gave us the check and the said that they approved the check from their bank, XXXXXXXX XXXX, and everything was fine. 

Truist said the check was cashed but we needed to wait for the check to be returned to us before we could ask for a replacement check from our lawyer. I consider this theft of our funds as Truist cashed the check it is sitting in their XXXX somewhere but won't return the funds to the lawyer so we can get our proceeds. I no longer own our home we sold and Truist had held our funds XXXX for a week and will not return the funds. 

This was blatant discrimination, and defamation as they told us we committed fraud and weren't welcome. We provided proof of identity and everything they asked. I am requesting a thorough investigation into this matter.
Product: Credit reporting

Hello : I am looking at my Credit Report, and there are inaccuracies listed as my addresses. I have never lived in XXXX Texas.