23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a CapitalOne XXXX card in XXXX, with a zero percent introductory rate for 12 months. After reviewing my statements, I realized they have been charging me interest greater than 15 % since I received the card. When I contacted CapitalOne, they said I was likely declined for the card with zero percent interest that I originally applied for and was given a counter offer of this card instead. I do not recall any notification of being declined for the original offer and feel I was tricked into the card I received.
Product: Credit reporting or other personal consumer reports

PRA Provided statemets : Statement for XXXX XXXXXXXX XXXX shows a New Balance of {$1500.00} and {$69.00} Minimum Due. The same statement shows Available Credit ( as of XXXX XXXX ) was {$0.00} If the available credit is {$0.00} no transactions will be allowed. 

Yet, PRA second statement shows a New Balance of {$1900.00}. This statement shows a Previous Balance of {$1900.00}. This new amount contradicts the previous statement that shows that my Available Credit ( as of XXXX XXXX ) was {$0.00}.

Further, there are no transactions reported to support the {$1900.00}, as you may notice in the statements PRA submitted.

Requesting that PRA provide exact transactions that support the {$1900.00} plus {$4000.00} in fees.
Product: Debt collection

Company- XXXX  Amount- {$450.00} Account opened- XXXX XXXX XX/XX/XXXX Notified- By alert on credit reporting I contacted the Company ( XXXX  ) on XX/XX/year> made them aware this account was opened fraudulently. I recently completed a fraud packet by email. I included all documents requested, i.e. Drivers License/ Lease and signed and dated affidavit. 

All documents were emailed on XXXX. XXXX. In Subject line ( XXXX ). Ive called the number XXXX, multiple times to make sure they received documentation ( they did ). They asked for copies, and not original ( XXXX ). I sent in everything they asked for. My drivers license shows my address as - XXXX XXXX XXXX, XXXX GA, XXXX The lease shows the same information. I was told that there was a phone number used to open the account, this number was also used to open several other accounts in multiple names. They have flagged the information. But yet Im calling and stressing that they resolve this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for you to know about some inaccurate information that are still appear on my credit file and I want you to delete it all immediately. Per FCRA Section 605b the three credit bureaus are required to delete the items which are unknown to me. These are the following items : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Original mortgage payment was {$590.00} and since 2016 when I first refinance the payments have steadily increased to present payment of $ XXXXHave attempted to get explanation on my insurance coverage and what Im paying in premium.Banco popular have a sister insurance company and tried to obtain coverage with them.I have not been successful, my current provider Segurosmultiples are totally incompetent and believe are equally dishonest.In the aftermath of Hurricane Maria it took forever to receive the $ XXXXindemnification.that amount didnt cover cleanup .Had to apply for a XXXX disaster loan to cover rebuilding XXXX
Product: Bank account or service

Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate.
Product: Credit reporting

I have XXXX addresses listed on my Experian credit report that do not belong to me. I would like to have them deleted. The XXXX addresses are : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I submitted my police report and replied to all letters received from Equifax, its more than 90 days. I did not receive any updates or replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  are reporting false information. 

The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX  XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX XXXX  XXXX with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 i reached out to Equifax about this issue that has to be resolved, because of poor compliance procedure by Equifax and the clerks that they hire to investigate the accuracy and the completeness of information being reported as well as the poor procedure involving express written consent documents that can not be available when demanded upon. is A major Violation of Fair Credit Reporting Act. Equifax has to held accountable for such major mistakes that plauge their procedures by not following FCRA Law as Equifax has to abide by it. POOR COMPLIANCE PROCEDURE BY EQUIFAX INCLUDES LYING TO CONSUMERS LIKE ME, UNABLE TO PRODUCE WRITTEN EXPERSS DOCUMENTATION UPON DEMAND, REPORTING ERRORS AS A RESULT OF NOT DOING A REAL INVESTIGATION WHEN DEMANDED BY 15 USC 1681b and 15 USC 1681i. EQUIFAX IS REQUIRED TO FOLLOW FEDERAL LAW WHETHER IT WANT TO OR NOT, IT IS THE LAW NOT SOME CORPORATE COMPANY POLICY IT IS THE LAW. EQUIFAX HAS BROKEN THE LAW. PLEASE CFPB MAKE SURE THAT EQUIFAX PAYS FOR BREAKING THE LAW. AS A CONSUMER PROTECTED PERSON THESE ERRORS THAT EQUIFAX MADE HAVE CAUSE HARM TO MY LIFE, CREDIT INTEREST ARE VERY HIGH, ACCESS TO GOOD LOANS ARE A PROBLEM THANKS TO EQUIFAX..
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified you several times that I have been a victim of identity theft and these are still being reported. Please review the attached FTC report and delete this fradugelent information from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Submitted dispute to Equifax in regards to late payments on a XXXX XXXX account ending in XXXX. 

The account was closed XX/XX/XXXX Account was paid in full XXXX payments are present after account was closed and paid in full. Last late payments in XXXX. No other bureaus are reporting this account as being late. Equifax report no data available from XX/XX/XXXX to XX/XX/XXXX late payments are being reported. Although the account was closed and paid in full in 2019. 

These late payments are hindering me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I did not give this company permission to access my consumer report. Accessing my Consumer Report without my permission is a direct violation of my consumer rights and is a blatant identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.
Product: Credit card or prepaid card

Creditor : Best Buy Credit Card Services To whom it may concern : This bill was paid off using two cash payments inside the XXXX, XXXX XXXX, at the front register. I made a payment of {$150.00} on XX/XX/XXXX and the second payment of {$170.00}, was paid on XX/XX/XXXX. I contacted customer service via the in store telephone to receive the final payment amount. This call was placed directly in front of the employee which received the payment. I requested a paid in full letter and this information be reported to the all credit bureaus. The phone representative stated the paid off letter would be mailed. In XXXX, in lieu of a letter stating the bill was paid in full, I received an invoice of {$40.00} which was a late fee. Every month after I continued to receive a late fee. To date the bill is {$140.00} which are all late fees. In XXXX, I wrote the merchant requesting they correct this error and send me a paid off letter. The merchant has not corrected their error and receipts which showed paid off was attached. The last representative I spoken to stated they received my written correspondence but did not received the two receipts that were stapled to the letter; Please investigate and research this matter as this was the first time that I have incurred such inaccuraties, in the year XXXX, and repeated blatant lack of service. By their telephone representatives. They would asked for three pieces of personal information and then transfer me to two more phone representatives who would ask the same information than state they could not help me and/or they could not find the documents submitted. Please investigate and correspond as I feel like their was possible fraudulent activities that were being committed. I can be reached via email at XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX. 
Please review my telephone conversations as they stated that I was on a recorded line.
Product: Credit reporting or other personal consumer reports

For equifax because I had separate issues my end I was advised to call or in writing or in person do most things. ( XXXX XXXX etc ) however I have not been able to log in to equifax because my phone was temporarily out of service past my control so I hope that if I am able to login if needed I can have the same number and email on the account to be able to access when needed. I had a mess for a couple months and email and phone are mine however they are not capable to work with what they have at this time. Incoming calls also are monitored and going to voicemail and may not get until the next day for anyone I need to update them. I tried both numbers and they will not answer. Unbiased I merely would like to request that someone step in and update the number and email so I can if possible work with them otherwise it is not possible
Product: Credit reporting

I have requested that all closed accounts be removed from my report. I noticed last year maybe around XXXX or XXXX all of the closed accounts were removed but added back a few weeks later. I had received no knowledge of this.
Product: Checking or savings account

I am filing this formal complaint against Wells Fargo for the unjust denial of my debit card dispute claims, which were submitted on XX/XX/2023, and XX/XX/2023. The transactions in question involve amounts of {$520.00} and {$19.00}, both dated XX/XX/2023. 

Despite providing substantial evidence, including a police report filed with the XXXX XXXX XXXX Sheriff Department on XX/XX/2023, and security camera footage verifying the fraudulent transactions, Wells Fargo dismissed my claims without any credible justification. 

This denial is not only unacceptable but also in violation of my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which mandate that I am entitled to a detailed written explanation for the denial of my dispute claims. Wells Fargo 's failure to provide this explanation is a direct infringement of these regulations. 

I demand immediate action to rectify this situation, including a thorough investigation into Wells Fargo 's dispute resolution process. Failure to address this complaint will leave me with no option but to seek further legal recourse. 

I expect prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately removed and for good cause I have sent multiple disputes following the blocking of secondary vendors ( XXXX XXXX, XXXX, XXXX and XXXX ) back in XXXX and XX/XX/XXXX. Over the past year, I have sent in multiple disputes certified affidavits, follow-ups disputes and Experian continuously sends responses back later then the requested time that I request that items be removed 14 days and 30 days. My most recent request ( Letter of Intent ) sent on XX/XX/XXXX asked that these items be removed within 3 days of receipt of this letter did not get responded to until XX/XX/XXXX. 
" Experian states that they have investigated the and verified this items and that the company that reported the information has certified to Experian that the information is accurate '' These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. THIS INFORMATION NEVER HAS BEEN PROVIDED TO ME NO MATTER HOW MANY TIMES I HAVE REQUESTED THIS. 

The following accounts are not reported by US XXXX CT and I have proof of this information. 
US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX  XXXX Please remove it from my credit report. 
Attachments that were sent to Experian as apart of my disputes : Letter from Bankruptcy court Letter of Freezes place on my account Copy of most recent letter of intent Copy of most disputes that items were verified
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

I have been a Wells Fargo customer since approximately XXXX. During that time I have had checking and savings accounts the entire time. I have also had my school loans through Wells Fargo which were paid off in approximately XXXX. I also had multiple home loans between approx XXXX and XXXX. 

I have become aware that there is a consumer lawsuit that has been settled which affects customers of WF during this time period that had various accounts and loans. Obviously since I had many types of accounts during the time period in question, Id like to find out if this affected me at all and if I am owed anything to correct the issue. 

I do not feel comfortable supplying my account number. I will supply my current address which Wells Fargo has listed for me currently and they can look up the account numbers and loans associated with my name.
Product: Debt collection

Letter has XXXX XXXX list but received yesterday on XX/XX/2023. 
Claimed I owe a debt of " {$1300.00} '' from creditor I do not recognized. 
List " Date of Service '' on XXXX XXXX, which I thought was past statute of limitations for medical bills in XXXX. 
The company goes by " Phoenix Financial XXXX  ''. 
I have not taken any action as I do not know if this is legal. 
Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXXXXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX # XXXX has violated my rights. 

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 : Its also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to file a dispute due to unauthorized inquiry attached on my credit report.