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

I recently filed another dispute with Equifax on XX/XX/XXXX regarding an inaccurate account reporting on my credit file. CFPB I desperately need your assistance with this matter as I have been fighting this battle with Equifax for almost 2 years. I have disputed this inaccurate account and they will remove it and then months later put the inaccurate account back on my credit report. The company that was reporting this account has also sent the correct information to Equifax however they continue to report inaccurate information. The account in question is XXXX XXXX XXXX XXXX ACCOUNT # XXXX. This account was included in a XXXX bXXXX XXXX  XXXX in XXXX, that is no longer on my credit file as it has been over 10 years. This account is reporting as a charge off with a balance of {$20000.00}. This information is inaccurate and I demand Equifax remove this account from my credit file immediately. I am tired of filing disputes for them to remove this account and then add it back months later. This is a violation of my consumer rights per the FCRA. This is my last attempt to resolve this matter with Equifax. If this account is not remove I will file for litigation immediately. I have provided Equifax with a letter that I received directly from XXXX XXXX XXXX XXXX stating this account was included in a bankruptcy. CFPB please help me as this matter is causing me a great amount of emotional stress.
Product: Credit card

best buy / citi bank keep charging me small amounts after fully closing and paying off the card and cancelling the debt protection service. Account is closed, but yet still getting bills in the mail, and they are reporting us to the credit bureaus as late / missed payments. I have called multiple times and got the run around, telling me i need to call this other number to cancel something else, but its cancelled! them im told the account is closed and paid in full and should not get anymore bills and then surprise. this is hurting our credit and they cant get their stuff together over there!
Product: Debt collection

XXXX XXXX had a law office file suit on their behalf. When contacting the law office, they informed that they will not enter into a repayment plan that is not beneficial to the client who refused any repayment plan that was greater than two years. Was informed they didn't care if it would cause financial difficulties as the client was the concern. Explained that FDCPA required them to not force repayment plans that would financially hurt the debtor. They informed no, and caused account with bank to become XXXX, preventing payment to electric and other bills. Now they are calling constantly but still refusing to work in good faith on a repayment that works for myself and not cripple me. 

Probably contact XXXX XXXX about repayment but their best offer was to repay it in three months and been in good standing or repay it in 6 months to close the account. This would put payments at {$800.00} each month for the three month or {$3600.00} each month for six months. This is not viable for myself or anyone who is working below $ XXXX annually.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX credit bureaus after reviewing my credit reports and noticed inaccurate information in my file. There was an address that is inaccurate and upon calling the credit bureaus, I was told that the information had been verified because it was attached to an account ( Capital One ). I then reached out to Capital One only to be told that an account from XXXX with the XXXX XXXX in question had the same information. I assured them that it was impossible because I am a victim of XXXX XXXX and received my current credentials ( including new identification and social in XXXX ), which included my now social so it was impossible for that number to have been used in XXXX. After requesting for proof of the account, I was denied, even after explaining to them that I had documents ( Soc. Sec. card and my statements from them showing my address which they have correct until XXXX of this year. It is my belief and proof ( as I have recorded calls with both the credit bureaus and the company that they merged an account with similar name and attached it to my account and updated it with my information.
Product: Credit card or prepaid card

I filed a dispute with cash app for ATM withdrawals that I did not authorize .I told them the person that did them and that they did not have my permission nor did I ever give my pin number out .The way my Son/grandson got my pin was I used my son 's birthday and birth year but I have changed that now.the transaction I'm talking about is for {$260.00} in XXXX XXXX, I live an hour and half from there and did not authorize this transaction .I 'm sure the other 4 will be denied also and I'm just wondering why or how when I'm a victim here.They said denied with no reason at all.
Product: Money transfer, virtual currency, or money service

I was researching how to do XXXX trading. I was on forums asking around when someone reached out and said they would help. They referred me to site called XXXX which is able to connect to the XXXX platform. They walked me through the steps on how to fund the account via XXXX. I acquired {$23000.00} worth of XXXX through Crypto.com and transferred it to what I thought was my wallet at XXXX. There was no kind of warning this wallet was linked to a fraudulent scheme. 

I then started making trades and everything seemed good. I then was being pressured to take loans out to total my account up to {$100000.00} that set off alarm bells and tried to withdraw my funds. They asked me to pay a {$20000.00} fee to have access to my funds whenever I want and from that point forward I have not engaged with them. When researching scams this seemed pretty textbook.
Product: Debt collection

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request a removal into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
Product: Debt collection

I have attempted to reach Nationwide Recovery Systems on numerous occasions regarding two debts that I allegedly owe ( {$1900.00} and {$68.00} ). I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Nationwide Recovery Systems nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Nationwide Recovery Systems provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my XXXX and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Credit reporting or other personal consumer reports

ACCOUNTS BELOW ARE LOCATED IT AT EXPERIAN CREDIT 

Account name: XXXX XXXX XXXX, Status updated: NOV 2022, Balance: XXXX

Account name: XXXX XXXX XXXX, Status Update: XXXX XXXX  collection account, Balance: $XXXX

Account name: XXXX XXXX XXXX, Status Update: collection account XXXX XXXX, Balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bankruptcies that XXXX  has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my XXXX  Credit report, I discovered that XXXX used a third-party data company. On XX/XX/2020, I sent XXXX  another certified dispute letter with supporting documentation. I received another letter from XXXX  stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from XXXX  in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from XXXX  stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I send funds from my US Account to Coinbase. It instantly arrived. I purchased Cryptocurrencies with it. After trying to withdraw my Cryptocurrencies, it stated that I need to wait 3 to 5 days prior to being able to withdraw. After 5 days I initiated a withdrawal, which then was stated as 'failed '. After that, my account was said to be restricted due to malicious activity and that any withdrawal is not possible until XX/XX/XXXX. Upon asking over and over as to why, they only stated that nothing can be done than wait until said date is reached. They did not explain as to why this restriction was put on my account nor did they give disclosure whether I can help to lift that ban or not. 
It is highly frustrating since I wanted to use the funds to my external wallet. It makes me highly suspicious and I feel like they do not want me to withdraw my cryptocurrencies from their website. This leaves me vulnerable.
Product: Credit reporting or other personal consumer reports

15 U.S> Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S COde 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX  XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$11000.00} {$0.00} DEPT OF XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$200.00} - - -No Data XXXX XXXX XXXX XXXX {$13000.00} - - -No Data XXXX XXXX XXXX XXXX {$690.00} - - -No Data XXXX XXXX XXXX XXXX {$240.00} - --
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT is reporting the wrong amount due I had a credit limit of XXXX. Also they are changing the reported date to current year instead of the original date which that is fraud.
Product: Mortgage

I sent in paperwork on XX/XX/XXXX to ask for a partial claim and then a beginning of my payments on XX/XX/XXXX. I understand I keep getting collection calls. For being past due. But the same mortgage company, American Home Mortgage Company. Has told me that I have to have my deck repaired and complete. And their insurance was only {$3500.00}. That covered a {$7600.00}. Repairing my deck because of a tree that. Fell on it XX/XX/XXXX. That difference of {$4100.00}. I, of course, used to repair the deck. I can resume my mortgage payments, of course, if they're a little bit more affordable. Currently, they're 1688 dollars a month I applied for a loan modification. For a 40 year term. And I guess that's the best I'm gon na get with that, and then a partial claim of the balance of that I'm caught up to date. I have not heard from the mortgage company in reference to this. They've called me four times in the last 10 days when I go to answer the phone. They hang up immediately. When I call back, they say there's no paperwork needed whatsoever. I ask, why are they calling then? They don't have an answer. They said, everything 's fine? So I called back again this evening and spoke with the very rude individual about. Lock and he told me that they were needing information from me and that it was a credit report from. 7th, that they couldn't get pulled because I had put a freeze on my account. I've done nothing of the sort. I think they're just stalling out so they don't have to do a partial claim and a loan modification. This is an FHA loan.
Product: Credit card or prepaid card

I received a credit card from Capital One in XXXX and paid fees for an alleged debts that were fraudulent until XXXX. I dispute the debt with the credit bureaus, it was removed from my credit report. I then ordered Capital One for all funds paid in error to be reverted back to the party from which they came in a check paid to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ BANCO POPULAR , PU .. A Balance of XXXX Opening date XXXX XXXX, 2019. That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except XXXX  ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Experian credit report and noticed fraudulent accounts on my credit report. I have sent Experian several correspondence such as FTC Identity theft report and police report stating that these fraudulent accounts are not mine but Experian refuses to block and remove these accounts. I have attempted to upload documents on their online portal www.experian.com/upload but every time I call them to verify documents received, they always tell me that the documents are illegible. At that point, I started just mailing the documents and still they are not blocking and removing these fraudulent accounts under FCRA within four days. Therefore I am reaching out Consumer Financial Protection Bureau to help resolve my issues with Experian. I am requesting for these following fraudulent accounts to be removed and blocked immediately under FCRA : 1. XXXX/XXXX  Account # : XXXX 2. XXXX XXXX  Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX
Product: Vehicle loan or lease

We sent correspondence to Hyundai Capital America XXXX XXXX XXXX XXXX and they have not XXXX with pertinent information requested Including XXXX XXXX mail item number : XXXX dated XX/XX/year> asking for validation and to revoke any implied or expressed consent. The company did not respond with that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I noticed on my credit report that there are unauthorized inquiries on my credit report. 
according to the FCRA legally these unverified & unauthorized items MUST be removed! Listed below are the dates and companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX date XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts I've marked as inaccurate, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. Please remove the following inaccurate address from my credit reports XXXX XXXX XXXX EASTERN ACCOUNT SYSTEM XXXX XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such, is a violations of the Fair Credit Reporting Act. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acc # XXXX {$16000.00}, XXXX XXXX Acc # XXXX {$660.00}, SYNCB / Car Care XXXX I Acc # XXXX {$470.00}, SYNCB / XXXX Acc # XXXX {$500.00}, SYNCB / Old Navy Acc # XXXX {$350.00}, SYNCB /Waltmart Acc # XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not providing timely access to temporary removal of my credit freeze. Today I called their number twice and tried to log into their website to lift my credit freeze with them as requested by my Credit Union i wish to take out a car loan with. Their phone number requested I mail them a letter with an absurd amount of my personal information and their website was not working saying it was down for maintenance. 
Date XX/XX/2019
Product: Prepaid card

Capital One Shopping is a browser tool that you can use for coupons and rewards when purchasing certain items. I gave my referral link to others so that they could sign up so in total I got {$50.00} in rewards, when I tried to use my points to get a gift card in the app it would cancel it, I did it about 6 times and it would cancel or never send me the email. I tested out to see if I was receiving emails from them and I got the verification email but never got the gift card email. I tried contacting them for help on XX/XX/XXXX and the next day on the 2nd my account was closed. I sent a follow-up email on XX/XX/XXXX and today I got the email that they closed my account for no exact reason, I did not get the money I had in the account back either and my account was closed. They have not been helpful in reaching out to me and have been ignoring my emails.
Product: Checking or savings account

On  XXXX   XXXX  , 2017, I was trying to deposit check via ATM, card did not work and I called Suntrust. Bank Representative told me that my account is being reviewed and I will get a letter in the mail about their decision to keep account opened or closed it and if closed, I will get my money in the mail via check. I asked why no one contacted me, I get daily notification email about my account balance and nothing about funds are being on hold and what 's going to happen with my third party payments that I made against this checking account. The representative told me Suntrust do n't deal with fees charged by others and I have to contact them myself. This is unacceptable, I am being penalized without any advance notification. I just paid my college child rent from this account, our pay checks are being direct deposit into this account within next week. We live pay check to check and wo n't have access to money until they are done with their review. This is abusive and unfair and I need Suntrust to be accountable for putting us in financial distressed.