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

I writing to formally request your immediate intervention regarding fraudulent accounts on my credit report. Despite mailing letters to the credit bureaus on XX/XX/XXXX, requesting the removal of these accounts and initiating investigations, there has been no action taken ot date. This failure ot address the issue is causing ongoing harm ot my financial well-being. 
These accounts appear ot be the result of multiple data breaches, including : XXXX XXXX XXXX XXXX XXXX, a leading provider of background checks, which compromised my personal information. 
XXXX Equifax Data Breach, where I was confirmed as a victim ( screenshot attached showing my information was affected ). 
XXXX. XXXX XXXX XXXX, exposing my sensitive personal data again. This is the fourth such breach by T-Mobile, following incidents in XXXX, XXXX, and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right XXXX dispute fraudulent information on my credit report, and credit bureaus are required ot investigate and resolve disputes within XXXX  days 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ). However, the following accounts remain unresolved : - XXXX Account # XXXX - XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX - XXXX XXXX XXXX Sold to XXXX Debt Holding Account # XXXX XXXX XXXX Account # XXXX As per FCRA Section 1681c-2, if a consumer notifies a credit reporting agency of suspected fraudulent information, the agency is required to block that information within XXXX business days. The failure ot remove these accounts or initiate proper disputes within this timeframe constitutes a clear violation of my rights under the FCRA and 15 U.S.C. 1681 ( Right to Privacy ).

I urge the CFPB to promptly notify the relevant credit bureaus Equifax, XXXX and XXXX to remove these fraudulent accounts from my credit report and ensure compliance with the FCRA. The continued presence of these accounts is severely damaging my credit and financial standing, and it is critical that this issue be resolved immediately. 
I respectfully request that the CFPB take swift action to rectify this matter and confirn the necessary actions taken. I am a natural person disputing this issue independently, not through a credit company. 

Its is deeply troubling that Equifax, XXXX, and XXXX have failed to address this issue despite my efforts. I am a natural person disputing this myself & not aCredit repair company. This is horrible by Equifax, XXXX and XXXX not to Remove accounts. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

I mailed you all CFPB as well.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello I have a debt from receivable recovery collection agency and I have no idea who they are or how I owe them. I never signed anything with this company to purchase anything with them. I have no type of contracts with these people! Please remove this from my credit report. It's false info. Again I never signed any contracts with this company.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX  ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERLY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH NFCU AND THE CREDIT REPORTING AGENCIES REQUESTING VERFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX  XXXX  XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Product: Credit card or prepaid card

On XX/XX/2019 a person logged into my blue -bird prepaid debit card without my permission sent my money of {$200.00}. To Email address of XXXX. Transaction ID XXXX From my prepaid American Express blue bird card. I called XXXX 2019 around the afternoon telling American Express prepaid blue bird that was unauthorized transaction and I didnt know the person at all i wanted my money back. Blue bird fraud- department trying saying it was authorized transaction if it was why would call almost every couple days asking for update on the {$200.00} and the status of my money. Why would waste my efforts writing the federal trade commission and also changed the password on the account.
Product: Bank account or service

I have been trying for over two months to close an online savings account my late mother had with Capital One. By way of letter dated XXXX XXXX, 2015, I sent the bank a letter of instruction, along with an official death certificate and an original court -issued letters of administration. I received the originals back, along with a letter from the bank dated XXXX XXXX, 2015, indicating the information was being forwarded for remaining account settlement. After waiting a month, I called Capital One, and was told the department handling the account had no record of receiving my information. By letter dated XXXX XXXX, 2015, I once again submitted a letter of instruction, which included a recounting of the above information, and my extreme displeasure with how Capital One had handled the matter to date, along with the XXXX original documents, and waited again. I called today, after waiting yet another month, and was told these amazing things : that they needed a notarized letter of instruction from me, a " requirement '' heretofore never relayed to me, ever, and, that they had tried to reach me by phone without success, a particularly remarkable bit of fiction, considering I provided my correct phone number in my correspondence, and have never received a call from Capital One. Unbelievably bad customer service. I provided an email mail address as well to them in my letters ... nothing received from them of course. Now I must, for the third time, draft a letter to them, have it notarized, and send it off. Perhaps the third time will be the charm. I am so happy I do not bank with Capital One. They do n't seem to understand the money they get to use and manage does not belong to them.
Product: Student loan

I was enrolled as a full-time student earning my XXXX. at the XXXX XXXX XXXX  for 8 years. I borrowed $ XXXX in Federal student loans. I have worked for non-profit safety-net health facilities and medical schools since XX/XX/XXXX. I transferred and consolidated my loans in the XXXX XXXX XXXX XXXX XXXX as soon as I found out about the program, approx XX/XX/XXXX. My lender was AES in PA. In XX/XX/XXXX my debt transferred to XXXX. My payments were often beyond what I could afford, I asked for forbearance or deferment several times over the years. I have been paying between {$170.00} and currently {$650.00} a month for my student loans since XX/XX/XXXX. I now discover that I HAVE ONLY MADE 3 QUALIFYING PAYMENTS toward the 120 payments required for loan forgiveness. This is a bait and switch and a slap in the face. If this program is intended to reward public service, it is a failure. If this is intended to assist those who choose public service, it is a failure. Someone, I don't know who is profiting GREATLY from my payments and in exchange, I am receiving nothing. There is no appeals process and no room for renegotiation. It would be reasonable to examine how much I would have paid under the " correct '' type of consolidation compared to how much I have paid and tell me the difference, if any, in order to pay the required amount to qualify for forgiveness. The Employment certification form OMB no. XXXX exp Date XX/XX/XXXX states that 4 different repayment plans [ REPAYE ; PAYE ; IBR or ICR ] qualify for this program which is also confusing.Becuase I am being told that only IBR qualifies?! As it stands I have probably paid back $ XXXX of the original $ XXXX but I am being given credit for less than $ XXXX in qualifying payments! My balance owed on these loans is about $ XXXX. Their horrendous customer service is motivating me to see how I can pay this off and prevent them from making any more money off of me. This is my second largest bill every month and I am treated like a thief when I call them. I don't know if it makes sense for me to stay with this program or perhaps I should just try to get a lower monthly payment with one of their other payment plans and forget forgiveness, although it appears the others DO qualify, despite what I am being told? I need an advocate to help me understand this and fight for me but I doubt one lawyer would stand a chance. Thank you.
Product: Checking or savings account

As of XX/XX/2019 I had $XXXX in my checking account.  I made purchases using my debit card on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as having had several unexpected automatic withdrawals in the same time frame.  Even though my transactions took place on those dates and were in the processing stage, Bank of America took it upon themselves to hold off on processing the transactions until a check cleared and sent my account into the negative.  The check didn't even show up on my online account or on my mobile app until the XX/XX/XXXX, but the bank shuffled the processing around so that 3 additional transactions which were processing days before processed after the check processed.  This caused my account to be charged 4 overdraft fees of $XXXX each.  Then on top of that they added an additional overdraft fee after my paycheck was directly deposited which brought my account into a positive balance despite the fact that there weren't any additional charges on my account causing it to go negative.  So on top of the 4 overdraft fees that they had already charged me, they added a fifth one, just to pocket extra money.  I tried speaking to customer service and even went as far as to speak with someone claiming to be a supervisor who told me that they would never reimburse any of the charges back to my account, despite being a loyal banking customer of theirs for over 16 years.  Please take notice of the number of transactions that took place putting the account in negative status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX  XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

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 ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( XXXX ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$0.00} or XXXX XXXXXXXX XXXX XXXX XX/XX/2017 Balance {$360000.00}.
Product: Credit card or prepaid card

Capital One Lied to Me About Removing Its Wrong, Late Payment Fee That Stays On My Account : I paid {$100.00} to Capital One, through my XXXX XXXX XXXXXXXX online bill pay service. But Capital One did not quickly post my payment, despite getting it on XX/XX/XXXX. Capital One instead, sat on my payment, as I kept checking my account with them online. So, on XX/XX/XXXX, I called my Capital One Quick Silver Master Card customer service, at XXXX, to see why my payment still wasn't posted. XX/XX/XXXX was the deadline date for my payment, but the female agent I first spoke with, said Capital One had nothing from me, so I should check with my bank about what happened to my payment. My bank assured me my payment was with Capital One. So, I called Capital One again on XX/XX/XXXX, and got a male agent, who said he was checking to see where was my payment. The male agent put me on hold a few times, I heard a child in his background, and the agent finally, told me Capital One had no payment from me. The agent added, Capital One will of course place its late fee on my account, if my payment would not arrive by that day! I got angry, since no honest worker should prematurely speak of late payment fees not yet added! It seemed like the agent already knew Capital One was premeditatively planning its " late '' payment fee! I hung up, found online the name of XXXX XXXX, as Director of Operations for Capital One, and e-mailed him at XXXX. I got no reply to my XX/XX/XXXX email. But as I checked my Capital One account online on XX/XX/XXXX, I saw my {$100.00} finally posted that date, according to Capital One records. And I saw no late fee, and believed Capital One was not going to incur any. I was wrong! I checked online again in early XXXX, and saw their {$25.00} late payment fee! So, I called customer service again, since I read any credit card customer who always pays on time, may easily get a first-time late fee waived, by asking their card 's customer service agents to do so. And as I spoke with a Capital One agent, he said Capital One will remove the late fee. But that was a lie! The late fee remains on my account, as no one replies to my XX/XX/XXXX email to XXXX, nor honors what one agent claimed about waiving that fee! Capital One 's monthly written statements say I could pay my debt within 3 years, by sending {$70.00} every month. So, I send {$100.00}, as I try to get out of their debt a little sooner. But Capital One wants to keep me indebted for longer, by imposing their bogus " late '' payment fee!
Product: Checking or savings account

This issue is about my bank of America checking account. On XX/XX/year>, I answered a call from the bank and because of bad communication, customer service told me to give them a call back. I called the bank on XX/XX/year> on the same number XXXX. The first representative said that he is from the fraud department. He asked me if I'm calling regarding my credit card and I said no that I don't have any issue, that I was asked to call about issue with my checking. He said there is no problem with my checking acct and said he will transfer to the online banking. I held for a moment and was transferred to a woman. I was asked a lot of questions by that woman who I didn't even know the name. I tried to log to my bank because of how long the conversation was, over an hour, but couldn't log in either. I was interrogated and answered her questions. I don't even know what the issue was and when I asked why I can log in, she said that I have to go to the branch with 2 form of ID. I don't know why I have to go to the branch for something that could be done online to save time. I don't know when I would have the time of the day to go to the branch. It's so annoying that you spent so much time on the phone, nothing is done to help and I can't pay my credit card that I have with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 {$2600.00} original {$2800.00} balance... I have sent them two rounds of letters asking for them to provide the original contract with my signature or delete the info. They have not provided to correct documents.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -