23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX XXXX XXXX XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX ( 2017 ) and via mail XX/XX/XXXX ( 2017 ) to Transunion. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to Transunion by mail on XX/XX/XXXX ( 2017 ). Transunion obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today X/X/2017 via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, Transunion is closed on X/X/2017 so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the reporting agency ( EXPERIAN ) and tried to get the information corrected on my consumer report and the representative a Ms. XXXX would not help me stating that I am to contact the CFPB if i wanted my consumer report corrected.
Product: Checking or savings account

I filed a complaint a long time ago referencing Truist closing my account and never returning my funds. My account had been frozen for alleged check fruad. They had stated they were conducting an investigation and when completed I would be informed to the result. I have already explained that I have never deposited any checks to my account and all the money is rightfully my own, but unfortunately to this point Truist has used this excuse to part me of my money, and have provided no information on it for an entire year. I feel robbed, and left with no recourse.
Product: Debt collection

I am filing a complaint with XXXX and XXXX, I have been trying to dispute this debt many of times now, and it keeps popping back up, this is hindering my credit success and what I plan on doing in my life. The debt I am disputing is someone called Jefferson Capital Systems. I believe they are a debt collector system. This same debt was once owned by another company by the name of convergent outsourcing, and I disputed it then and it was deleted from my XXXX. In law 15 USC 1681 ( e ) b, it states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, in 15 UCS 1692 ( C ) it states a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I need this debt removed from my XXXX and my XXXX as they keep updating and saying they are verifying a debt from XXXX, as I have not been shown proof, date of opened account, my signature, or any of that to confirm this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card company closed our credit card in XX/XX/XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from XXXX XXXX XXXX. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date XXXX XXXX XXXX closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After XXXX XXXX XXXX closed my account, I paid XXXX XXXX XXXX when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or XXXX  XXXX XXXX " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote XXXX XXXX  XXXX. I called XXXX XXXX XXXX and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to XXXX XXXX XXXX who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, XXXX XXXX XXXX continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XX/XX/XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But XXXX XXXX XXXX and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. 
I would like this item immediately re- investigated. The In accuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Tittle VI , Section 611, Please provide the names and business addresses of each Idividual with whom you verified the accounts so that i may follow up, Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and as a result, my credit report contains multiple fraudulent items that I did not authorize or initiate. Specifically, there are XXXX accounts and XXXX inquiries that were added to my credit report without my knowledge or consent. 

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ). I request that these fraudulent accounts and inquiries be removed from my credit report immediately to restore its accuracy.
Product: Money transfer, virtual currency, or money service

COMPLAINT TO BUREAU OF CONSUMER FINANCE I am an XXXX XXXX XXXX senior citizen. My laptop was hacked on XX/XX/XXXX and I was scammed of {$65000.00} in a wire transfer to XXXX  XXXX XXXX in California through my HSBC bank on XX/XX/XXXX. This amount is the bulk of my retirement savings and is of serious concern. Once the scam was discovered on XX/XX/XXXX a recall of my funds was initiated via HSBC but to no avail. HSBC issued a receipt showing Date Available of my funds as being XX/XX/XXXX, a full 5 days after the wire transfer to XXXX XXXXXXXX XXXX. Unfortunately, HSBC has not been supportive despite my having been a long-standing HSBC Premier customer. I believe that HSBC has a responsibility to me and to the return of my retirement savings. 
Also, I have communicated with the XXXX District Attorney 's Office, the NY Police at XXXX Precinct, and the Federal Trade Commission. 
XX/XX/2023 2023
Product: Credit reporting

trans union is allowing XXXX XXXX XXXX XXXX XXXX to report on my credit file I never gave up my rights under Hippa or The privacy act to allow my medical information to be reported to anyone who pays them this account was reported with XXXX balance and was being paid by my insc company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

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 A complaint has been filed with the XXXX. Case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX  XXXX XXXX Indiana XXXX Bankruptcy Court filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( Experian, XXXX, XXXX, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : states a consumer reporting agency can not furnish an 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- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

XXXX and XXXX of XXXX reporting late payments. This is also stating that a balance of XXXX due and delinquent. This is inaccurate and was reported FRAUD. I am writing to formally dispute inaccurate information on my credit report and I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request through investigation into these inaccuracies, as required by law.
Product: Checking or savings account

I am filling a compliant with CFPB regarding Capital Ones and XXXX XXXX XXXX  company for failure to process my direct deposit as it has been set up for 3 years with same employer. On Thursday XX/XX/year>2025 XXXX XXXX stating on site they were experiencing technical issues and things would resolve by Friday XX/XX/year>2025, approaching end of XX/XX/year>2025 XXXX claimed systems are up and running and still my deposit has not been transferred to my account. This violates the Electronic Funds Transfer Act ( EFTA ) this is concerning for consumer protection laws. I am requesting an investigation on this matter as I have not been given my payroll work check per my agreement with banking with Capital One.
Product: Bank account or service

I closed a savings account at my XXXX, FL bank and received a certified check from them for the amount in my savings account, a little over {$16000.00}. I took that certified check to Wells Fargo in XXXX to open a savings account there. They told me they would give next day credit for only {$200.00}, hold {$4800.00} for 2 business days, and hold the balance, more than {$11000.00}, for 7 business days.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 

The late payment should not be on my credit report I was never late and the account is paid in full and closed please correct asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetrate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Debt collection

Debt was result of identity theft, I do not owe this debt, have disputed debt but the agency wont remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}
Product: Debt collection

I cleared my Credit card bill in XX/XX/XXXX before leaving XXXX. 
One year later while i was in XXXX BOA add XXXX $ bill to my credit card which i never used as i was out of XXXX. 
My BOA checking and saving account were closed. 
I was not able to pay XXXX $ bill as i my account were closed and i did not had access to BOA due to being in XXXX. 

I came back XXXX in XXXX and found that BOA charged off {$15.00} bill and its reflecting in my credit report. 

I am unable to get apartment on rent just because of XXXX $ charge off issue by BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to Cascade Financial who is attempting to collect through XXXX XXXX. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address  when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.
Product: Credit card or prepaid card

Capital one refuses to allow me to charge over the {$10000.00} credit limit they have given my small business, even when I have paid credit balances in advance for known future purchases. Never has any balance amount sat on my account for more than 1 month. I constantly use and replenish the amount, so that I do not suffer the indignity of a declined card, despite having the money on the card - prepaid. 

capital one sent me a {$4300.00} check in late XXXX. I shredded the check. I instructed them to put the money back on my card balance, because I had thousands of dollars of charges forthcoming. Also because they had reduced my balance by nearly {$4000.00} dollars because of charges, after they had made the refund. 

I spoke with XXXX who said she would see if I had to cash the check. Capital one can not force me to cash a check. I had shredded the check and unless I cash the check the money remains on my account. XXXX placed me on hold and after several minutes, disconnected the call without coming back. 

Capital One can not force me into arrears, etc by sending back a check that paid for charges before hand. I am not going to cash a check only to send the funds back to them. 

I called back and spoke with XXXX. XXXX said I had to cash the check and then resend the funds. This is not acceptable. The call was recorded and can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX GAP to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, NO REPORTING for XXXX, and XX/XX/XXXX for Equifax. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX XXXXXXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.
Product: Debt collection

I received a ping from XXXX XXXX stating that I have a derogatory item placed on all three credit reports. The collection agency, XXXX XXXX XXXX, reported this debt. I called them and was told that have documentation with my signature. I requested to see the documentation and the signature block states Signature on File. I was then told that there was another collector who dropped this pursuit. I disputed with all three bureaus and XXXX  has already corrected my credit report. XXXX, however kept this illegal item. I request that XXXX  provide proof of my signature. I believe that my signature was forged that is reason that I have not received any documents with my signature.
Product: Debt collection

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. XXXX contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. XXXX concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX