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

I have written to Experian and Disputed this issue Regarding Inaccurate Reporting of Multiple Name Variations I request they cease reporting multiple variations of my name in my credit file, as this is a misrepresentation of my identity and these unlaw and incorrect spellings violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Specifically, I have noticed that there are Ten ( 10 ) different variations of my name being reported : The FCRA requires credit reporting agencies to maintain accurate information, and these variations of my name are incorrect and misleading. This misrepresentation has directly caused harm to my creditworthiness, including denial of credit opportunities and financial services. 

I am requesting the immediate removal of these variations from my credit file. 
I sent the company a copy of my State Driver 's License that bares My legal and correct name, which i will also attach again to this complaint, But my full Legal Name is : ( XXXX XXXX XXXX ) I want them to re-investigate this matter promptly and provide me with written confirmation once the incorrect names have been removed. 
I am also requesting a detailed explanation of the verification process and the sources they have relied upon to continue reporting this inaccurate information after my first complaint Thank you for your attention to this matter. I look forward to your response within the time frame required under the FCRA. 

Sincerely,
Product: Bank account or service

I previously filed a complaint with you, it is the Case number : XXXX. 
My complaining is about unfair and deceptive business practices. Bankunited is offering in XXXX XXXX accounts an interest rate of XXXX for 3 months and afterwards, the interest rate is XXXX. However, I have a MM account with BankUnited for almost 20 years. XXXX has been lowering my interest rate until 0.3 %. This means that they have been giving me only a half of the return value, or interest rate that they should in relation with other customers. But, the market value of my money is the same as of those they called as " new money ''. This " new money '' is often the result of closing an account and re-opening it again. 
The first answer of my bank was they were unable to locate my account. Then, they said, that there were too many XXXX XXXX and they did not know who I am. 
Today, after 3 months dealing with them and waiting for a solution ... they offered me 3 months rate at XXXX and afterwards 0.6 %. 
I do not need the intervention of too many people or reps and 3 months waiting period for closing my account, sit in the lobby for XXXX min, and re-open my account again with " new money ''. I would like to know if the CPFP is able to provide me any help or assistance? 
I am XXXX and I have enough neurons to be graduated from an university and this " solution '' sound to me as a foolish. 
I would like to obtain your help if possible in handling this complaint. They are excusing behind an argument that customers has to be checking for " bank offers '', but instead, they do change " offers '' at its convenience b/c my XXXX account was openned at an interest rate of ( at least XXXX XXXX or higher. Then, the bank is able to reduce my interest rate without calling me and ask me if I agree or not with this change, but to increase my interest rate I have to be checking " often for offers '' with the account administrators. 
All banks that I know offer a rate that is directly related with the amount of money in the account.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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. 16818-2 ( 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

XXXX several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have XXXX percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX which is showing incorrect data, XXXX XXXX, and a Bankruptcy as negative items or derogatory items on my credit report. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX account does not belong to me and they have deleted it from my credit report. Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item.. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/2023 about XXXX, and they were given extended time to respond ; when I got a notice about their response this weekend, the file was already closed. I had to get information based on their response, and since the file was closed, I could not submit the attached items. 

XXXX reported to the credit bureaus that I agreed with them and applied a payment of XXXX to make it appear that I paid them money. Doing this creates a problem and extends the bad debt when paid in full by third-party insurance. Their fraud department opened another investigation and shared a letter with an investigative team, and then the recovery team stated the accounts were too old to capture information. Therefore, the bank falsified information and should be penalized. The fraud team found the stolen credit card document and information to the insurance company, but the information could not be shared as the account details for internal banking. needed extraction before sharing, which could take up to 10 weeks due to the age of the accounts. That, information was sent electronically to bureaus in XXXX, stating the accounts were resolved and they should be deleted. Then, after I started this investigation XXXX created a payment plan that was not discussed with me and reported it to the bureaus. Now, we have 8-year-old accounts that were once deleted back on my report and letters to an investigation agency that say the accounts are resolved.
Product: Checking or savings account

I have three overdraft fees for XX/XX/2019. I made a deposit to cover the overdraft fees in cash on the next business. According to Wells Fargo they will waive those fees in this situation. 

The bank refused to assist me
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.
Product: Credit card or prepaid card

I accepted a 12 mo. 0 % promo offer. I unknowingly forfeited my grace period for new purchases. If you make new purchases or are charged any fees ( i.e. renewal ) you WILL be charged your current finance charge IMMEDIATELY once the charge hits your card. It doesn't matter if you pay your statement balance in full each month - you're charged from day 1 for that charge - NO grace period. Seems like a SCAM to me. I am not aware of any other cards that do that. All of the 0 % promos I've had still retain the grace period and you are not charged ANY interest if you pay the minimum amount due each month + any new charges incurred. Thankfully I had the funds to pay the entire balance in full from savings and IMMEDIATELY stopped using the card. Seems like an unfair business practice to me because it's REALLY NOT 0 % if you're IMMEDIATELY being charged an extremely high interest rate for new purchases.
Product: Checking or savings account

Capital One has withheld my direct deposit from my employer, as well as from XXXX XXXX XXXX employer, both processed independently. 

We have confirmed with our HR/Payroll teams that the funds were disbursed correctly but have not received our paychecks in our Capital One account as of XXXX pm EST on Friday XX/XX/year>. 

This has caused us financial distress because we do not have money to buy groceries or make necessary payments to creditors. This may result in late/returned payment fees, and as of yet, the company has been uncommunicative regarding this issue. I have reached out via telephone, live chat, and social media without a meaningful response. 

When attempting to reach out by telephone, my call was immediately disconnected after reaching a live agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. XXXX XXXX XXXX is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. 
Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. 
I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My original complaint is below. I am starting a new complaint because I have the following response to Chase bank and the CFPB and the original complaint has been closed. The only statement the company has provided is we decided to close your account because of your connection to a publicly reported financial investigation. They now further elaborated that this is specifically related to my XXXX. A quick XXXX search revealed there is someone with the same first and last name as my XXXX, and I believe even the same birthday, who lives just XXXX of us, and has been indicted and sent to prison for mortgage fraud. My XXXX is not in prison and has not been indicted for mortgage fraud. Could this be the reason they have decided to discriminate against my XXXX? 


Original Complaint : My XXXX and I recently opened a Chase XXXX account using my XXXXs birthday money so that we could fund XXXX XXXX XXXX cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my XXXX XXXX XXXXXXXX XXXX cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XX/XX/XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.
Product: Vehicle loan or lease

Lender is Santander Consumer, USA Purchased Vehicle Supposedly For XXXX in XX/XX/XXXX Supposedly purchased a XXXX XXXX XXXX Found out car was a XXXX when I was insuring it after the fact. 
Traded in my XXXX XXXX. 
My trade-in value towards new car was roughly XXXX. 
Loan amount was supposed to be roughly XXXX. 
Loan amount XXXX plus Tags & Registration All documents were signed digitally. 
I declined ALL offers & add Ons.

I soon discovered that I had a Lemon.

I immediately tried to return the vehicle to dealership. 
Dealership being - XXXX XXXX XXXX  I went to return the car, which is how I discovered the dealership was officially CLOSED/BANKRUCPT I started calling every number I could find- All to no avail.

I finally received physical mail from Santander Consumer USA Upon opening the mail, I became EXTREMELY DISTURBED & UPSET - CAUSING MY XXXX TO ATTACK DAILY. 
I was DISTURBED because of the amount. 
The amount was over XXXX. 
It was XXXX XXXX - over what I expected. 
By the time I pay this loan, I will pay over XXXX for a car that only has a value of XXXX according to Car Fax. 
Why did Santander pay this amount for a car that does not have the value? 
There is no description on the physical mail, I continue to receive.

There is no VIN # on the physical mail, no evidence of a car loan. Just an amount.

I continue to call Santander almost daily or every other day.

I am told in no uncertain terms each time- it's not their problem.

Santander Consumer, USA seems annoyed with me.

I am overwhelmed and upset with this huge debt that I can not afford.

My research shows that on XX/XX/XXXX Santander was in problems similar to what I am presently experiencing. 
I have attached such documents. 
Thank you kindly for any assistance you can offer.
Product: Checking or savings account

XXXX XXXX I was contacted by Affirm regarding a manual withdrawal. The manual withdrawal was supposedly processed on XX/XX/2022. I expected the return 1-5 days after the manual withdrawal was processed. I have proof regarding the unknown banking error and the failed return to my account. They contacted me now theyre trying to indispose of me.
Product: Credit card

A total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart DC, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report. The Paypal and Amazon accounts were sold XXXX, and they are harassing me for payment. These accounts are not mine!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the outcome of your investigation regarding the fraudulent account ( s ) or transaction ( s ) reported under my name. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report and to have it thoroughly investigated. 
Despite my previous submission of a consumer fraud affidavit and supporting documentation, the investigation has not resolved the issue of identity theft related to my account ( s ). As a victim of identity theft, I have been subjected to unfair financial harm, and the reported information remains inaccurate. 
I am requesting a reinvestigation of the matter, as I believe that the response provided did not fully address or resolve the fraudulent activity. Additionally, I expect that this disputed item be marked as in dispute on my credit report, per FCRA regulations, while the investigation is reopened. 
Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days and provide me with a written notice of your findings. If the fraudulent activity is not removed or corrected within that time frame, I will consider further legal action, as permitted by the Fair Credit Billing Act ( FCBA ) and other applicable consumer protection laws.

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this fraudulent information from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, this OneMain personal loan account I have never gone through them for any money.
Product: Debt collection

Regarding Account ending in XXXX Capital One Case : XXXX Previous CFPB No : XXXX Capital One references a XX/XX/2018 three-way telephone conversation with a representative from XXXX XXXX, stating the return in dispute was pursuant to the merchants policy. This is a false statement. The agent was unable to provide a reason for the return to be denied. Additionally, XXXX XXXX stated in writing the item was returnable provided with a valid proof of purchase. This document was provided to Capital One. The merchant verified I would be able to return this item after I purchased it to convince into making a purchase for a more expensive model. I was told I could buy the more expensive unit and just return the one purchased on my Capital One Card. However, the merchant failed to accept this return for this item only. After this return was denied the merchant accepted returns or exchanges on other items without incident. Their claim the purchase disputed was denied in adherence to their return policy is invalid. The item was verified returnable prior to purchase, post-purchase, and post-return denial. 

I routinely contacted Capital One to determine the status of this ongoing dispute which Capital One agents confirmed my response to the merchant 's initial response was never submitted to the merchant. Multiple Capital One agents further acknowledged on recorded phone conversations the second dispute opened with additional information and documents was sent to the merchant. However, the merchant failed to reply to this dispute. 

I repeatedly called in to check the status of the dispute as it was the only charge on my card and as it was in dispute not required to be paid for. Capital One agents repeatedly informed me the dispute was still ongoing. Despite being informed multiple times on recorded phone conversations by multiple agents the dispute was still ongoing Capital One began charging interest and late fees on the balance which was in dispute entirely. Shortly thereafter Capital One began reporting my account to the CRA as delinquent and late despite still informing me multiple time the charge in question was in dispute on recorded phone conversations. Requests to be contacted by a Capital One employee capable of correcting this illegal adverse action and negative reporting the CRA 's was not received for months, while Capital One agents realizing the acknowledging the disputed charge was still being investigated refunded the interest and late fees assessed in error. 

By failing to comply with billing error regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX. 
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 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 XXXXXXXX XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX