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

In early XXXX, I sent investigation requests to XXXX and Trans Union. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts XXXX, reporting as open with a balance ; however the loans are both paid full. My Experian report needs to be updated.
Product: Credit reporting or other personal consumer reports

I am reaching out because I tried to go through the correct channels and they won't correct bad information on my credit report. Equifax is saying I have an account in collections through XXXX XXXX XXXX account ending in XXXX and they are saying information that I know is incorrect. I have asked them to update their wrong reporting and they have failed to do so. They reported and closed out the report rather quickly! XXXX with a decision on XXXX of this year. I have asked for them to show how they can proof I have a high balance and payment history on this account since it is a collections account and lowering my score as if it is a creditor account and I know it is a reporting error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX subject : Formal dispute regarding inaccurate information on my credit report. 

Dear Equifax legal, I am writing this to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. 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 XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : conducting inadequate investigations that fail to address consumer 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 perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported. 

1.

under the FCRA, you are required to conduct a proper investigation into my dispute. inform me of the results of your investigation in a clear and comprehensible manner. provide me with any documentation you rely on if the disputed information is verified as accurate. ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. if the investigation concludes that the information can not be verified or remains inaccurate. then i request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the action you take in response to this dispute. if you fail to resolve this matter i reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 day timeframe. 

Sincerely, XXXX XXXX
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 U.S.C 1681. 
XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX  - XXXX Account # XXXX  XXXX XXXX XXXX XXXX Account # XXXX # # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C.1681 C. ( 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 crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be remo
Product: Credit reporting or other personal consumer reports

Equifax, Experian, and Transunion they all have incorrect Names and Address located on my credit file.

I have reached out to each of the companies to update the information and they have not made an effort to remove the incorrect information off my credit report. 

XXXX XXXXthis does not belong to me and in the divorce decree it was suppose to be removed. 

XXXX XXXX-it is reporting inaccurately XXXX XXXXthis is not reporting correctly on my account.. Validate the Debt. ( Verification is not required ) The XXXXreach out to this company and it should read paid as agreed
Product: Checking or savings account

Capital Ones has not deposited my payroll check, tech issues which should be resolved ASAP not 3 plus days. I live from paycheck to paycheck and this is not acceptable.
Product: Credit card or prepaid card

This is the 3rd complaint filed with regard to this matter. The previous two complaint numbers are XXXX and XXXX. 

It is notable that the XX/XX/2021 letter by Capital One was written by an unknown writer. Apparently there is no one at Capital One who is willing to put their name on this injustice of a cardholders rights under VISA rules. Also this cardholder left a phone message for supervisor XXXX over one week ago that has never be returned by Capital One or XXXX. 

The response by Capital One is lacking an explanation or rebuttal of the information this cardholder complained of. All of the following are due a response. 

1 ) Why Capital One used an invalid chargeback code for merchandise not received when it was evident that the merchandise was being held in Customs? 

2 ) Why Capital One attempted to bring a pre arbitration chargeback but missed the deadline and it was rejected by VISA for the late filing.

3 ) Why Capital One did not ask the cardholder for the contract when it knew there was a contract governing the transaction? Both the merchant and the cardholder stated there was a contract.

4 ) Why Capital One did not enforce the contractual agreement that required the merchant to refund the full purchase price upon the breach of contract by the merchant?

5 ) Why Capital One has failed to bring a compliance inquiry with the merchant and VISA when the merchant clearly used the VISA payment system to collect funds from the cardholder based on a written contract that the merchant breached?

It appears that Capital One is supporting merchant fraud and/or breach of contract. A cardholder has rights under the Federal laws including the fair credit billing act and VISA rules. These rights and rules were clearly violated and Capital One is refusing to take responsibility for this. 

See screenshot from Capital One website where Capital One promises that merchants are held to their polices. Here the merchant does not even have a return policy in violation of VISA rules. There is a contract however between cardholder and merchant promising the cardholder he will receive a full refund if the merchant ships the merchandise on a date other than agreed. Here the merchant clearly shipped the merchandise on a later date breaching the contract. The cardholder had every right under all laws to expect a full refund through his credit card.
Product: Consumer Loan

I have reviewd my credit report and I see a auto loan account that I have been disputing for a while now, I have not received any respond from requesting validation and verification of the account under law section of the credit fair act they have not comply with requests
Product: Credit reporting

i have disputed and asked transunion credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and the credit bureau is refusing to provide validation, i need this fix asap. pls help me. thank you.
Product: Checking or savings account

Closed Savings account with Golden1 Credit Union on approximately XX/XX/19 in the amount of {$480.00} .Customer service number XXXX. As of today, XX/XX/19 no cashiers check in the mail. Contacted Golden1 and was advised that I have to wait 90 days before new check could be issued.
Product: Credit reporting or other personal consumer reports

I have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out disputes on dates XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year> and XX/XX/year> without any correction to the fraudulent/inaccurate accounts. The fraudulent accounts that I am referencing consists of the following XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. As of today, it has been over 30+ days later and I have not received a written response yet from Experian. I feel like I'm being taken advantage of and being ignored by the credit disputes. This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX XXXX The follow XXXX is showing account as open while XXXX & Experian are showing account closed. This does not meet Fcra requirements as stated in transunion remarks & they are inaccurate.
Product: Debt collection

I attempted to pay the company the debt that I owed. I informed the company that I am in the middle of buying a house. I told them in paying off the company I need a Letter Of Deletion several times throughout the call, and I gave them my email address and mailing address because they said several times that I would definitely be receiving the Letter Of Deletion.Once I paid half the debt off, I asked how long after the debt has been paid, would I receive the letter, the same employees that said I would receive a letter, started saying that they never said I would, and they never send those types of letters... They immediately hung up on on me and when I called back they transferred me to a voicemail. I am devastated.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX  Reached out to the company & they were no help at all. Genesis credit management
Product: Mortgage

My name is XXXX XXXX. My mortgage is through M & T Bank. I missed a mortgage payment due to illness. I entered into repayment plan with M & T on XX/XX/19. I was to pay {$1000.00} on XX/XX/19. {$880.00} on XX/XX/19 and {$880.00} on XX/XX/19. I paid in XXXX. I received a letter dated XX/XX/2019 outling the terms of the repayment plan. I received a call from M & T Bank on XX/XX/19. Initially, I was told that the agreement was broken but when I asked to speak with a supervisor, I was told that the M & T worker who made the agreement in XXXX was not supposed to make that agreement. I was asked to enter into another agreement extending to XX/XX/2019. I am concerned that I will get another call in a few days stating that the plan was broken or they made another mistake. I would like M & T to honor the agreement outlined in the letter I received on XX/XX/2019. I can be reached at XXXX. My email address is XXXX XXXX
Product: Debt collection

Portfolio recovery associates file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from XXXX XXXX that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, XXXX ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against portfolio recovery associates. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than XXXX weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with severe XXXX and congestion. 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. Portfolio recovery associates had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent XXXX XXXX XXXXXXXX inquiries on my credit report I have never applied for a XXXX XXXX XXXX checking account. Ever. 

XX/XX/XXXX Received notification from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called XXXX XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. 
Now it is XX/XX/XXXX and again received notification of a XXXX XXXX XXXXXXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with XXXX XXXXXXXX XXXX.
Product: Student loan

My student loan account was recently changed from XXXX to a service provider names Nelnet. My repayment terms for XXXX was set up as a 10-year plan starting XX/XX/XXXX and ending in XX/XX/XXXX. Once transferred, I was told that payments and term loans were not changing, just the servicer. First payment was still the same, however, the second payment was for significantly less. I called Nelnet to see what the issue was and was told that the payment term was now for 25 years beginning XX/XX/XXXX making the term end XX/XX/XXXX. A DIFFERENCE OF 18 YEARS. I did not refinance the loan so I did not believe that they could do this without my approval. I thought they were suppose to continue the loan as is. Even with paying the difference to match what I was paying before, the new end date for my loan term is XX/XX/XXXX, so two extra payments and the representative said that she did not know why I would have to pay the two extra months even though my payments are still the same. She recommended that I pay extra XXXX dollars a month to get it back to ending in XX/XX/XXXX. So I still don ; t understand why I 'm paying extra.
Product: Credit card or prepaid card

On XXXX-XXXX-16 I did a search and subsequent purchase from an Amazon.com Market Place Vendor found on Amazon.com, following the posted procedure of the listing. The posting required clicking on a posted email address to contact the vendor before placing the order & payment to be done by Amazon gift cards. The machine was to be used in my XXXX XXXX. When the product was not received I immediately notified Amazon through their posted procedure via email complaint using their website and form, giving all details. For at least 2 days after filing the complaint, the vendor 's posting was still on Amazon.com so they did nothing about the situation. Upon calling Amazon for a status on my complaint, I was told they knew nothing about it, took the information and complaint again verbally and advised me to do a police report and an on line FBI report - which I did. After researching, Amazon told me that since I used Amazon gift cards, and contacted the vendor outside of Amazon ( I simply followed the posted procedures found on their website posting ), - and they could n't find the transaction ... They could n't do anything about this. I have screen prints of the posting on Amazon 's website, email communication with the vendor and with Amazon and gave them all of this. I 've also contacted XXXX, Call XXXX and provided them with all of the above. They have contacted Amazon and Amazon has repeatedly told them they will contact me directly to resolve and has done nothing but continue to bill me for the {$500.00} cost of the undelivered machine. I have paid to protect my credit and at this time still owe them {$320.00}. I mailed certified letters to both Amazon and Synchrony Bank ( who administers the VISA Amazon Prime Store Card that I charged the gift certificates for the purchase on ) demanding dismissal of the debt and neither answered. I 've also put a complaint in with the State of California Office of the Attorney General who suggested I lodge this complaint with your agency. Bottom line is that I was scammed on Amazon 's website by a vendor they allowed to be there - and did not remove ... and they are not willing to take any responsibility for it. At XXXX years of age, I can not afford to have companies take advantage of me and I 've always trusted Amazon. I 'd appreciate any help you can give on this situation.
Product: Debt collection

I am resubmitting my claims from a previous complaint from case XXXX and XXXX XXXX. I thought this was a XXXX card but it said Bank of America. I went back and looked at my credit report to see if I had any judgments for a Bank of America card and I do n't even see that I had a judgment or even ever had this card! I have never had a card in this amount of almost {$14000.00}! This law firm sent me a letter telling me they had been sold my case and would be reviewing it and now I am getting a garnishment summons!!!!!!!! I will sue everyone, if they do not correct this now! I have already contacted a lawyer. I never received a judgment or notice that they would be garnishing my bank account. And now I get this summons!!!!! This should be fixed immediately.
Product: Debt collection

I've disputed alleged account ( s ) XXXX and XXXX with previous collection companies this year and it was proven that both accounts were not my account and was removed from my credit reports. This account was acquired from a portfolio of debt and im tired of disputing this debts even though I was relieved from these alleged accounts. I've seeked counsel XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to resolve this ongoing issue.
Product: Credit card

American Express Corp. overcharged my account on numerous occasions. After adding my credit card statement by calculator, I come to a different amount than their computer calculator every single time. I pay the amount " due '', however, I called on XXXX specific incident and they took XXXX hours of my time arguing back and forth with me to finally realize I was right - the computer made a mistake and they credited my account. However, it 's showing up more than ever and I do not believe I am the only XXXX blinding paying more than what 's due ...
Product: Checking or savings account

On XX/XX/XXXX my husband had his biweekly pay submitted into our Bank of America checking account and later we tried to use our debit card and it was declined. That morning I tried to contact them and was informed that they have closed our XXXX checking accounts and we don't have access to our funds and that the file would be evaluated on XX/XX/XXXX and the funds would be sent to us via a cashier check that day. I waited until Friday XX/XX/XXXX to contact them again because we still hadn't received the funds and I was informed that it was going through the closing process until XX/XX/XXXX. All of our money was tied up in these accounts and has created a great hardship for my family. We weren't informed by until Wednesday XX/XX/XXXX through mail that they were closing the account for us to make changes to our direct deposits that went into that account