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

I have been trying to work with Equifax XXXX  and XXXX on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Credit Report Inaccuracies Dear Experian Dispute Department, I am writing to formally dispute several inaccurate and unverifiable items on my credit report, which Experian has failed to adequately address despite my prior efforts. These unresolved items are causing significant harm to my credit standing and financial well-being. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to conduct a reasonable reinvestigation of disputed information. However, your failure to adequately address my dispute mirrors the recent allegations in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian, which highlights systemic issues such as : Failing to forward consumer-provided evidence to furnishers. 
Accepting unreliable responses from data furnishers. 
Failing to adequately notify consumers of dispute outcomes. 
Despite the evidence I provided, Experian has neither corrected nor removed the following inaccurate accounts : Disputed Accounts XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Unverifiable collection account. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dispute Reason : Inaccurate balance and unverifiable debt. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Incorrect collection information reported. 
XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Unverified and inaccurate collection entry. 
XXXX XXXX  Account Number : XXXX Dispute Reason : Unverifiable collection account and incorrect balance. 
XXXX XXXX XXXXXXXX Account Number : XXXX Dispute Reason : Incorrect collection entry. 
XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Inaccurate and unverifiable collection information. 
XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Past due and inaccurate payment history. 
XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Past due balance incorrectly reported. 
XXXX XXXX  XXXX Account Number : XXXX Dispute Reason : Unverified multiple late payments reported inaccurately. 
XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charged-off account with incorrect past due amounts. 
XXXX XXXX  Account Number : XXXX Dispute Reason : Charged-off account with unverifiable balance. 
I request immediate corrective action to amend or remove these accounts. Additionally, please provide written confirmation of the steps taken to address this issue within the 30 days required by law. 
Failure to resolve these inaccuracies may result in further actions to protect my rights, including filing a formal complaint with the CFPB and seeking legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to send a {$500.00} payment to a merchant on XXXX using my Regions Bank card. The transaction failed with a try again later message. I attempted to send the {$500.00} payment again and it went through. Later that day, I checked my Regions bank statement and noticed that I had two transactions pending for {$500.00} to the merchant I was paying. I assumed one of the transactions would fall off since XXXX gave me the error message stating that the transaction failed and couldnt be processed. Days went by and the second transaction never fell off, Regions Bank had approved both {$500.00} transactions and sent the money to XXXX twice. Ive been in touch with the merchant as they are a close friend of mine and they have said they only received my payment once and in fact, my XXXX transaction history only shows one outgoing payment to the merchant for {$500.00}. I have filed multiple claims with Regions bank stating that I did not authorize the payment to go through twice and have been declined the credit back to my account each time because Regions states that the transaction was authorized and that XXXX received the money twice. I have also filed claims with XXXX multiple times stating to them that Regions bank states that they sent XXXX and XXXX has received two separate transactions for {$500.00} each but XXXX has denied each of my claims stating that only one transaction was processed, the other failed to process and that they only received one payment for {$500.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was contacted by a representative of XXXX XXXX XXXX XXXX with an offer for a business working capital loan. During our discussions, I was assured that any assessment would be based exclusively on my businesss revenue and that my personal credit profile would not be impacted. I was specifically informed that submitting an application along with my business bank statements would not result in a hard inquiry on my personal credit report, as this was a XXXX XXXX XXXX ( XXXX ) loan. 

Despite these assurances, I recently discovered an unauthorized hard inquiry from XXXX XXXX XXXX XXXX on my personal credit report. This action was done without my written or verbal consent, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). This statute mandates that inquiries into a consumers credit report require permissible purpose, which XXXX XXXX did not have in this instance. The precedent set in XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), further supports that such an unauthorized inquiry is unlawful. 

Based on my experience, it appears that XXXX XXXX  actions were deliberately intended to deter me from exploring other financing options. By creating a hard inquiry on my personal credit, XXXX XXXX not only impacted my credit score but also attempted to restrict my ability to seek and compare other potential offers, thereby pressuring me to accept their terms. This tactic appears to be part of a calculated approach to limit my ability to shop for better options, effectively coercing me toward accepting their offer. 

After discovering the inquiry, I contacted MicroBilt Corporation, the reporting agency, to request that the inquiry be removed. MicroBilt informed me that they were unable to assist and advised me to contact XXXX XXXX directly. When I reached out to XXXX XXXX, I was again told they would not assist and was directed to discuss the matter with the original loan agent. 

At this point, I am left with an unauthorized hard inquiry on my personal credit report and no avenue for resolution. This inquiry negatively affects my credit standing and was done without my consent, likely to limit my choices and compel me toward XXXX XXXX 's offer. I respectfully request CFPB intervention to facilitate the removal of this unauthorized inquiry and to ensure XXXX XXXX XXXX XXXX adheres to FCRA requirements and ethical practices in their dealings with future clients. 

Thank you for your attention to this matter.
Product: Debt collection

Portfolio Recovery Associates continues to illegally violate my rights by harassing me for a " debt '' already disputed and removed from my credit file by the credit bureaus. I was a victim of identity theft. The so called " debt '' was never mine. They have been told to cease and desist yet continue to break the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Debt collection

To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt. Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware of a complaint will be filed to the respective local or federal agency. Additionally, I request that you cease and desist any future telephone communication. 

Please send all communication, by mail, to XXXX XXXX XXXX, XXXX, MD XXXX. 

I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

Thank you for your cooperation, and I look forward to your response. Sincerely, XXXX XXXX
Product: Checking or savings account

I XXXX XXXX XXXX filling a complaint with CFPB regarding Capital One Bank failure to deposit my direct deposit from my employer. Capital One cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax numerous times on the errors of my credit report and this has impacted myself and my household in a negative way. I have sent certified letters, called numerous times, and never get a response. The major concerns affected me getting a house for my children and myself, all because Equifax never deleted the erroneous accounts on my credit report, instead they add a statement without my consent that says Consumer Disagrees when there are items that are on my report not only do not belong to me, but dont even have the same name or address as mine. I was also a victim of fraud and also sent over my police report to Equifax with no result of theme doing research. I called in a few days ago and was transferred 6 times until I finally got on the phone with an agent who claimed they never got my letter and that the error could be due to me not having three digits of the 9 digit zip code? even though the last letters i sent were on XX/XX/XXXX. I have never had this issue before. I was also the victim off the XXXX Equifax data breach. The rep told me on the phone that even if the name and address of the account do not belong to me, and the credit claims its my social security number, then it stays on my report. I have been disputing this information for years, and yet, this burden persists. immediately.
Product: Student loan

My loan is serviced by Mohela. I have XXXX consolidated federal loans ( XXXX subsidized, XXXX unsubsidized ) and both are enrolled in the XXXX plan. With the ongoing federal court case, all loans under the XXXX plan should be automatically put in forebearance. Mohela has not done so, and has continued to deduct payments from my account enrolled for autopay. Mohela has not contacted me about the forebearance and is mishandling the loan.
Product: Credit reporting

Experian uses XXXX and it discriminates against Veterans with a VA loan. I have paid additional principal since the loan inception and have never been late or missed a payment, yet my " score negative '' items list my real estate balance is " too high compared to the original loan balance ''. In my mind this method discriminates against Veterans using the VA 100 % loan benefit by reducing the credit score which increases costs on just about everything theses days e.g. insurance on cars and homes.
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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of more 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 card

I noticed that the payment I submitted on XX/XX/scrub>/25 for the amount of {$150.00} had not been deducted from my auction. When I logged in the app to check, it stated that my payment was returned and they were charging me {$30.00}. When I called they asked me to verify the account I made my payment from and I went on to say the number and they informed me that the account they have that supposedly I made my payment from was a completely different number. I explained to them that that was not my account. My account is saved on the app, all I do is input the amount of my payment and press submit. I do this every time. How is it possible that they have a completely different account number!? The representative made me feel like I was lying and that I submitted a payment with a different back account. I told her that I do not have a different bank account, my bank account has been the same for years and it's the same bank account I submit my payment every single month. The bank account is saved on my app and all I do is log on, put in the amount of my payment and press submit. I DO NOT change the bank account because I do not have another bank account! How can I just invent another bank account!?! The representative told me that there is nothing they can do and that the charge of {$30.00} stand. I feel scammed of {$30.00}. I submitted my payment as I always do. My account is saved in my app. There is no other bank account! I do not know if there is a glitch on there behave when the system is processing payments, all I know is that I am being penalized for something that is not my fault and I feel that care credit is benefiting and taking advantage of it! It's completely unfair.
Product: Payday loan, title loan, personal loan, or advance loan

An account from TALLY TECHNOLOGIES INC is appearing on my XXXX credit report with a balance of {$3100.00} opened in May. I do not recall this account ever being applied for or agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a debt that is not mine. I have requested Experian to remove this debt but they did not remove.
Product: Debt collection

I recieved a letter from a debt collection company that I owed XXXX to XXXX XXXX.I called the collection company on XX/XX/2021 to let them know that I had never had a contract with XXXX XXXX and that I did not owe money to XXXX XXXX.The conversation did not focus on whether I owed money to XXXX XXXX but made me feel like I was trying to commit some sort of fraud. At that point I ended our phone call.
Product: Credit reporting or other personal consumer reports

Hello, Ive been struggling with Deposit my checks to any account. Ever since Ive been victim of identity theft and fraud occur to me. I havent been able to have any access to my accounts. Also, my bank accounts and business account have been closed. Not sure why, but they did let me know that I am a risk to the community to have a bank account. I am getting charged fees unauthorized payments have been made false checks through the mobile app, credit cards that have been open payday loans that I have been open. You could imagine what nightmare I have been dealing with. I dont know where to even cash my checks now. No bank well cash my checks or deposit to my account since my account have been closed. Not sure what to do anymore or what Im supposed to do. Been through a nasty divorce that ruined my credit. When things got separated, my ex spouse was awarded majority of the things that she was supposed to be removing my name from the vehicles, credit cards, etc..

She never did. She just kept laughing at me texting me stating I might pay the things or might not. Its not like it. Its under my name. I got left with companies calling me to pay since it was just under my name, not hers. Even with the court order, she didnt follow with the judge has signed. So Im in a hole that I dont know what to do. My social, my identity, my life is ruined. Its getting hard to pay my bills any transaction or anything. Banks have refused me to open any account. I have asked them if I can see what they see, they just tell me they cant. Its just that they cant do business with me. This is ridiculous. How people can be ruining peoples life not thinking how difficult it will be to fix everything Ive been through,
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was contacted by Qualia Collection Services in regards to XXXX XXXX XXXX XXXX  i used to live in. They contacted me XX/XX/year> demanding i pay them almost {$4000.00} and gave me 30 days to dispute the debt. I disputed the debt immediately i wrote them an email XX/XX/year> and sent them the same letter registered mail. They never replied and in a week they put the entire amount on my credit report as collection negative remark. I have attempted to contact them at the number on the notice ( which was only sent email ) no answer no nothing. I disputed the entire amount being theres legal issues that arose from the apartment i did not leave as an eviction i gave the keys back so what is this about?
Product: Credit reporting, credit repair services, or other personal consumer reports

To all Credit Reporting publishers and providers of FRAUDULENT INFORMATION. XXXX XXXX, XXXX XXXX XXXX EXPERIAN XXXX XXXX THE CONSUMER IS AWARE OF YOU DEPRIVATION, CONSPIRACY as well as your FRAUDULENT ACCUSATIONS and IDENTITY THEFT COMMITTED BY YOUR LYING XXXX COMPANIES. I HAVE MADE NO INQUIRIES, REQUEST OTJER THAN REMOVAL OF ANY FALSE DEBT, ACCUSATIONS FROM MY NAME AND MY CREDIT REPORTS, YET FOUND INQUIRIES AND IDENTY THEFT COMMITTED BY YOUR COMPANIES AS WELL AS THE INTENTFUL COVERUP OF MY IDENTITY. BEING STOLEN BY THIEVES IF WHOM WERE SUCCESSFUL IN STEALING MY INFORMATION, GAINED ACCESS THROUGH YOUR XOMPANIES AND USED MY INFORMATIIN TO GAIN PROPERTY USING MY NAME. YOU HID MY PATICIPATION BY APPLYING TAXTICES THAT WERE UNLAWFUL IN EVERY ASPECT TO HIDE THAT FACT THEN LIED BY OBSTRUCTION TO KEEP THE FACTS HIDDEN FROM THE WORLD COURT, AS WELL AS THE FCRA AND THE FEDERAL TRADE COMMISSION! YET I HAVE EVIDENCE AND SOLID PROOF TO SHOW THAT ALL OFF YOU ARE ACCOUNTABLE FOR HARM CAUSED BY YOUR DECWIPT TO DEFRAUD THE POULATION OF XXXX XXXX PROPER REMEDY! BECAUSE OF THAT PROOF, ALL OF YOU WILL BE FOUND GUILTY OF SEDICIOUS FRAUD, TAMPERING WITH EVIDENCE, AND CONSPIRACY TO DEFRAUD THE PUBLIC TRUST THROUGH IDENTITY THEFT! I HAVE THE PROOF AND THE CASE FILES TO PROVE IT! SO XXXX ALL OF YOU! YOU WILL DELETE ALL INQUIRIES, ALL FALSITY OF ACCUSATIONS FROM MY CREDIT REPORTS AND RENDER TO THE CONSUMER ALL REMEDY AND STATUTORY DAMAGES OWED FOR HIDING ALL PROOF OF SUCH EVENTS AND DISTRACTION BY ALLEGATIONS OF THE CONSUMER 'S CHARACTER AND CREDIT STATUS THROUGH MONETARY DAMAGES THE CONSUMER RIGHTFULLY DESERVES! YOU HAVE ALL BEEN WARNED!!
Product: Checking or savings account

I have been with wellsfargo bank since 2008. However, i have had multiple issues where they charge me transactions on the wrong day, fees for not using my card for that month, overdraft fees caused by charged done on the wrong day. When i call and try to talk to them and question them a out it, they just say there's nothing they can do. That, that is how the fees are setup. Even when i lost my job and asked them to waive the XXXX fee for not using my card that month, they said they could only refund me $ XXXX. Making my account overdrafted by XXXX plus the XXXX remaining. Then sending me a letter that i had 5 days to bring my account current otherwise I'd be closed off and sent to collections.