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

In XXXX, I had a legal name change through the Court. I changed my first, middle and last name. I have a new REAL ID State Driver License, Social Security Card, bank account/debit cards, utilities and even my phone account in my new legal name. I have XXXX  American Preference on file with the XXXX XXXX XXXX XXXX, a Certified Degree of XXXX Blood card through my respective XXXX XXXX ( issued through XXXX XXXX XXXX XXXX also ), tribal membership, United States voter registration, Tribal Voter Registration, my State hunting and fishing license all also in my new name - all issued with NO PROBLEMS. I've even had an OSBI criminal history check successfully submitted for housing application with no issues ... ... ..Yet even after all that - the credit bureaus, since XX/XX/XXXX, have refused to update my information. First they told me that if the Social Security Administration has my new name on file and I have the new card with the new name, then I have no problems. Then they told me that is not true. Now I can't do anything - even get through their phone systems, as they all blocked my number and told me I have to write in to do anything from now on. They have refused to update my information repeatedly, and this has gone on for 8 months with no resolution. I have written letters and submitted complaints with absolutely no response. In addition, there is incorrect information on my reports, names that are NOT me and things I never applied for on my credit reports, but because they have blocked me from calling them, I can not do anything to protect myself at all. One credit report said I applied for a credit card in XXXX - and I have not. Same one also said I purchased a vehicle through a loan in XX/XX/XXXX, which is impossible, as I am in bankruptcy! Now I am worried about identity theft on top of it all and no one will help me a single bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to XXXX after being reported as charged off to Experian. It also shows 30 days late to to Experian for free months of XXXX and XXXX and ok to XXXX for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my XXXX report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file
Product: Credit reporting

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/2015 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Product: Credit card or prepaid card

I had a balance of close to $ 10k with Capital One. When I paid it all in full they blocked my card and asked me to fax them my bank statements. I did not want to go through all that hassle just because I paid my balance in full, so I asked them to close my account. 
At this point I have a final bill from them for the last months charges, however they dont allow me to redeem my rewards points. 
Basically after closing the account, they expect me to pay what I owe them, but they dont plan on giving me my points.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I sent out two letters to the department XXXX XXXXnelnet and credit bureaus to provide verification that its my debt with my signature on XX/XX/2023 and XX/XX/2023 the company never sent the verification and credit bureaus did not respond either with proof. they put this on my credit without notifying me before hand and altered my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

After hours on the phone with multiple agents, Experion has been unable to accept an disput eover the phone. They say they can not see the details of my account even though I have provided my personal information and Experion Membership number. I can see the collection item in dispute when I log in to my Experion Account. Experion is saying they can not see anything except my name so I am unable to dispute the collection posting. 

I have attached the documentation of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Major XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY. I AM NOT A CREDIT REPAIR AGENCY, I AM SUBMITTING FOR MYSELF. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX  XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant statutes as they relate to my credit reports from XXXX, Equifax, and XXXX. I am requesting that these violations be fully investigated and that all appropriate remedies be applied to address these issues. 

Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I have found multiple discrepancies and violations regarding a XXXX  XXXX account ( Account No. [ insert account number here ] ). Specifically, the account has been reported inaccurately as a charge-off, and several aspects of the reporting are in violation of the FCRA and FDCPA. 

The errors are outlined in the following reports : XXXX Report ( Dated XX/XX/year> ) : The account is listed inaccurately with incorrect charge-off information in addition to several other violations. 
Equifax Report ( Dated XX/XX/year> ) : The account shows erroneous details and misleading information regarding its status in addition to several other violations. 
XXXX Report ( Dated XX/XX/year> ) : Similar inaccuracies have been reported, violating my rights under both the FCRA and FDCPA. 

FCRA Violations : Under the FCRA, specifically 15 U.S.C. 1681i ( Investigation of Disputed Information ), the information provided by XXXX XXXX is not accurate, as it includes erroneous charge-off statuses that do not align with the actual history of the account. Furthermore, XXXX XXXX has failed to conduct a proper investigation into the accuracy of the account information as required. 

15 U.S.C. 1681s-2 ( b ) : As a furnisher of information to credit reporting agencies, XXXX XXXX has failed to correct inaccurate information upon notice of a dispute and has failed to conduct a reasonable investigation, as required by the FCRA. 

The collection practices of XXXX XXXX have been aggressive and misleading in violation of 15 U.S.C. 1692. This includes misrepresentation of the status of the debt and failure to follow proper procedures in relation to the reporting of the account, violating the protections granted under the FDCPA.

15 U.S.C. 1692e : The false representation of the charge-off status and failure to communicate accurate information about the debt may be in violation of this provision, which prohibits deceptive practices in debt collection.
Product: Credit card or prepaid card

cc # ending in XXXX spoke with XXXX id # XXXX, XXXX  id # XXXX, XXXX id XXXX. said I have to make a payment on a disputed charge. contrary to what is written on the back of the statement
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute resolution requests submitted to XXXX, Equifax, and XXXX on XX/XX/2024. Despite the XXXX timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus.

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution.

Thank you for your assistance in resolving this issue.

Sincerely,
Product: Credit card or prepaid card

I purchased items online ( few dresses ) - and received wrong items instead. The entire purchase was returned back to the seller. Copies of all my purchases and return was sent to credit card with actual images. Proof of the receipt that the items were delivered to to the seller and yet my credit card charged me full amount. This problem is going on from XXXX of 2017. Few times they asked me to send them proof - which i did and now I receive a bill with PROVISIONAL CREDIT REVERSAL. I emailed the seller few times - never got reply back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of my XXXX XXXX XXXX XXXX accounts are paid in full. The account that XXXX XXXX XXXX XXXX has reported to the credit bureaus as derogatory and 180 days past due was paid in full on XXXX I have contacted XXXX by email and secure mail in my account. The response is along the lines of We will update this information the next time we send our data to the credit bureau. According to my latest credit report, XXXX has updated the information as of this month yet is still reporting incorrect information.
Product: Credit card or prepaid card

I have had a Capital One Credit Card for 15 years with a $ XXXX  line of credit. I never missed a payment, never was late paying thus I never paid interest. I accumulate XXXX Rewards Points. Recently a purchase of {$70.00} was declined and so when I inquired they advised me that I failed to make the payment of {$70.00} which was silly because from my past 15 year history I have never carried over a balance. Suffice it to say I may not have received the bill or I just missed it. When I phoned in to inquire the lady was very short and so I told her to just close the account.I then called back and spoke with XXXX within 3 days about my rewards points. She said she would review and get back within 5 days. She didnt. I then spoke with XXXX ID # XXXX   the following week and was promised a response within a week. Now on XX/XX/XXXX I get a call from XXXX who says it is now over 30 days and they are refusing to reopen the account. I could care less about the account but feel it is because I have XXXX  points they dont want to give back.Those are my points. They didn't tell me I would lose them and in my opinion it is stealing from me. I would like the points or the cash for them since they failed to tell me I would lose them. Card ends in XXXX
Product: Credit card or prepaid card

Synchrony Bank closed and sold my XXXX XXXX credit card to XXXX XXXX XXXX, XXXX on XX/XX/2020. They never validated the debt. Synchrony Bank is in violation of 18 USC 1028A when on XX/XX/2020, they knowingly committed aggravated identity theft - Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority selling my credit card and location information to XXXX XXXX XXXX, XXXX. I did not give them written permission to transfer my personal information.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX XXXX Balanced {$12000.00} XXXX  XXXX XXXX XXXX Balanced {$8200.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

FRAUDULENT ACCOUNTS : Account Name : 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 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: Mortgage

NewRez/Shellpoint has begun adding ESCROW payment to my mortgage statement as of XX/XX/2020. Prior to them taking over my mortgage from XXXX XXXX Escrow was not attached to my loan as I paid my Taxes and Homeowners Insurance separately. 
My mortgage payment was : Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX NewRez/Shellpoint has added Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX To date they have assessed a total of {$800.00} due.
Product: Debt collection

A medical debt for {$80.00} from XXXX XXXX  XXXX. The original creditor was XXXX XXXX XXXX. I do not know of this creditor and the reason the debt is in my name.
Product: Credit reporting or other personal consumer reports

They are mistaken me for a d/b/a putting XXXXXXXX XXXX and XXXX XXXX on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX Florida Im in Texas so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from XXXX who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall letttinf someone max me out but give me a hard time about my own.
Product: Credit card or prepaid card

I was given an American Express gift card in the amount of {$2000.00} from my employer. When I tried to use the card I discovered that only a few cents remained on the card. My employer received the gift card in a sealed envelope which he then gave to me. The card never left my home. The following charges were made : XX/XX/2022 XXXX XXXX XXXX MN XXXX {$25.00} XX/XX/2022. XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX {$21.00} XX/XX/2022. XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/2022 XXXX XXXX XXXX XXXX {$74.00} American Express was able to give me the information from the card number but basically said " tough luck '' that someone used my card. How do I know that it wasn't one of their employees since my card arrived sealed and unused?
Product: Credit card or prepaid card

On XX/XX/2020, XXXX, Agent # XXXX, from Capital One Credit Card Fraud Department refused to contact XXXX XXXX to ensure my XX/XX/2020 payment of {$640.00} had successfully posted / processed on XX/XX/2020. Therefore, when I inquired about the refusal, she quoted company policy, and continued to imply Capital One no allowed representatives to verify payments from the originating Bank. 

Ironically, regarding this same topic, on XX/XX/2020, CFPB Compliant # XXXX, was submitted, a Capital One Manger performed due diligence by contacting XXXX XXXX, and verified successful processed / posted. Therefore, CFPB closed the compliant once Capital One submitted an untruthful response. Bottomline, I have submitted several payments, which has taken Capital Once days and sometimes weeks to post the current data, which has also resulted in false reporting on my credit report. Furthermore, I have requested for the representatives to contact XXXX XXXX and Department of Treasury, to confirm these payments were successfully collected, however placed on hold after successful processing / posting. As a project manager, I can recognize / determine when a company, such as Capital One, displays ethical or unethical habits by the way of their float, meaning money is processed. Therefore, Capital One has unethical practices. Therefore, I sincerely beg of you, CFPB to truly investigate Capital One Credit Card.
Product: Credit reporting or other personal consumer reports

Over The last XXXX XXXX I have requested a Credit Report from Trans Union XXXX on the Phone & twice through XXXX  Still NO reports- The XXXX request was on 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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violate my rights XXXX XXXX XXXX XXXX has violate my rights XXXX XXXX XXXX XXXX, has violate my rights US XXXX XXXX XXXX XXXX XXXXXXXX, has violate my rights XXXX XXXX XXXXXXXX  # XXXX, has violate my rights XXXX XXXX XXXXXXXX  # XXXX, has violate my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violate my rights 15 U.S.C 1681 section 602 A. States I have 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedate 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

There is an inquiry from XXXX XXXX reporting on my report that does not belong to me. XXXX XXXX  has agreed to delete the inquiry from all bureaus but it is still showing on my Equifax report. 

This is the statement from XXXX XXXX  ( XXXX  ) We have reviewed your complaint and found an application was submitted on XXXX XXXX, 2020, using information that verified to you. We have accepted the application as Fraudulent. '' We have asked the credit reporting agencies to delete the credit inquiry from your credit report.