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

I have filed disputes against XXXX for reporting an inaccurate balance to XXXX, XXXX and XXXX, 4 times in XXXX and 3 more times in XXXX, each of those times the credit bureaus claimed XXXX confirmed the accuracy of the balances they have been reporting. However, that is not possible as XXXX themselves have admitted reporting the wrong balances to the credit bureaus starting from XXXX through XX/XX/XXXX. They have even sent me a check reimbursing me for the amount they claimed I owed which I did not. I have attached the letter which states the following ; Were writing because we discovered that you were not reimbursed for finance charges as part of a previous credit card dispute. To correct this error, we have issued you a refund for the finance charges and any applicable fees and interest associated with the failed reimbursement. 

For the record I have not and do not intend to cash this check as I believe the amount XXXX owes me is far greater. However, XXXX admissions clearly confirms they have been reporting wrong information to the credit bureaus and have wrongly denied my disputes. As a result and per Federal and State of Michigan laws, XXXX, XXXX and XXXX must delete these tradelines immediately. If XXXX attempts to deny my request they are recklessly and deliberately breaking the law for the sole purpose of causing me harm. This dispute will be followed with a lawsuit against XXXX to recover damages. The letter I have provided is a material fact.
Product: Credit reporting or other personal consumer reports

This is a Company called Lexus Nexus in The USA they are a middleman to any accidents.

I was living with my father and was temporarily on his car insurance both our names listed XXXX XXXX. I moved to another state and my father got into a car accident. 
they reported my name and his even though I wasn't there because I was on his policy. 
I contacted Nexus Lexus and they said they found error and would remove me to wait for paperwork XXXX days!. I received paperwork and they used wording " Unverifiable '' and its still on my record. I have lost my Job and cant drive because my rates are high for an accident I wasn't in. this should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX  XXXX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX worker and came to US on work visa ( XXXX ) on XX/XX/2018 for first time. To start building credit history and confidence I was recommended that I should take a secured credit card by Capital One Bank. Currently I do not have any credit history in the country. 

I applied for Secured Credit Card through Capital One Website ( application number : XXXX ) on XX/XX/2018. Capital One requested for additional information ( a ) Passport ( b ) Social Security to be uploaded online for verification. 

On XX/XX/XXXX, I received credit card decline notice with justification that my address is invalid/incorrect.

I have all address verification documents with me like Bank Statement with Address, Lease Agreement, Utility Bills and Insurance Records with Address available, but still without asking for any of these documents, which are valid address verification proof, they rejected secured credit card. 

I also validated with XXXX and there credit report also shows the same address which was filled during credit card application. 

Due to hard entry of Capital One credit card rejection/application on XXXX  Credit Report, other bank `` XXXX  XXXX XXXX '' also rejected secured credit card for me with justification " multiple credit card requests on file ''. 

Currently, I do not have any secured credit card / loan and I already got multiple hard enquries impacting my credit rating on the file. With this it is impossible to gain fast, reputed and good credit rating on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent Transunion and XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus receive a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. I have updated with a document sent XXXX of XXXX reassuring that the item in question has indeed been deleted .Please process this and do not close out as a duplicate as I have presented new information supporting my claim.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXXXX/XX/year>
Product: Student loan

I received a letter in the mail a couple of weeks ago stating that my student loan payment was being reduced because of a government ruling. It dropped a few dollars. 
Then I received another letter in a non-descript junk mail looking envelope. I opened it and it stated that my payment had dropped because they were reseting my loan to the maximum term under federal guidelines..My monthly payment would go down but the overall cost of my loan would increase. 

I immediately called them to correct the situation. Had I not opened the letter by chance I would not have known, and the provider would have gathered an extra year of interest fees. This was from Navient. It was very deceptive and with the sole purpose of trying to slide by an increase in my payment amount over time. 
This is not forthright or ethical, downright sneaky and deceptive.
Product: Credit card

On XX/XX/year>, I received a refusal of my right to credit with Barclays Bank Delaware, which is a violation of THE FEDERAL EQUAL CREDIT OPPERTUNITY ACT under the following provisions : XXXX being notified TWICE through certified mail that I am over the age of XXXX ( age of majority ) and have the rights to enter into a binding contract. 

XXXX. I have in good faith expressed to Barclays Bank Delaware that in good faith I have exercised my rights to credit under the Consumer Protection Credit Act. 

Also, Barclays Bank Delaware has violated the following provisions against me under the Fair Credit Reporting Act : 1. 615 ( f ) ( 1 ) - NO PERSON shall sell, TRANSFER FOR CONSIDERATION, or place for collection a debt if such person has been notified under 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) that the debt has resulted in identity theft.

They have also are in violation of : U.S.C. 1006.18 FALSE, DECEPTIVE, OR MISSLEADING REPRESENTATIONS OR MEANS section ( d ) A debt collector must not use false representation or deceptive means to collect or attempt to collect any debt OR OBTAIN INFORMATION CONCERNING A CONSUMER, in which Barclays Bank Delaware used XXXX XXXX CONSUMER REPORTING AGENCY in which they stated in the denial letter the following : WE ALSO OBTAINED YOUR CREDIT SCORE FROM XXXX XXXX AND USED IT IN MAKING OUR CREDIT DECISION. 

By doing this, they are basing their decision of issuing the due credits to the principal strictly on a third party which my information was transferred for consideration of credit without my consent which is falls under NEGLIGANCE AND IDENTITY THEFT under the CONSUMER PROTECTION VIOLATIONS. 

After notifying Barclays of my principal rights to credit, I received a letter from XXXX with the office of the Presidents of Barclays Bank reinstating their denial of my principal credits and stating how they fully comply with the Equal Credit Opportunity Act and all other consumer protection laws. If this is the case, principal credits need to issued for the reasoning of the violations that they have committed.
Product: Credit card or prepaid card

I '' ve had a Capital One cc account since XXXX. My credit given to me was for {$2400.00} I pay monthly but over the years there has been maybe a couple of times I've had to pay a late fee. I noticed that I was being charged fees on my account although payments were made. {$35.00} fees in addition to {$39.00} interest rates. Currently I am aware that my APR is 19.40 % for this card. I'm just want to know should they be charging me {$35.00} in fees along with a {$39.00} interest rate for 17yrs. I could never finish paying the bill because my money is going to fees and interest. The fees being charged are not late fees. I have requested for statements for XXXX but unfortunately since I always discard my statments I don't have all of them from 17yrs. I will make my best effort to pay this bill off. 

























I have a Capital One cc which I received in XXXX with a credit available of {$2500.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate an issue on my credit report. Despite providing all necessary documentation and clearly outlining the inaccuracies, TransUnion did not conduct a thorough investigation. As a result, incorrect information remains on my report, affecting my credit score and causing unnecessary stress. This lack of diligence and failure to uphold their responsibilities in ensuring accurate reporting is unacceptable and has significant repercussions for my financial well-being.
Product: Checking or savings account

On XX/XX/year>, a $ XXXX ACH withdrawal hit my XXXX XXXX XXXX XXXX account and the money was sent to what appears to be a Marcus Goldman Sachs Savings / Checking account fraudulently set up in my name ( identity theft ). I've contacted Goldman Sachs twice to inquire and both agents have been unable to help. I have challenged the transaction with XXXX XXXX XXXX as well. The routing number of the destination account is XXXX, and I know no other account information at this time. It is sad that it is so easy to set up an bank account in someone else 's name at Goldman Sachs and also to allow linking to external accounts for withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 2.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 XXXX, The inquiry was not authorized XXXX XXXXXXXX XXXX of XXXX XXXX XX/XX/2020 XXXX.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXXThe inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXXThe inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 XXXX following account is not mine XXXX XXXX Account Number : XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX funding XXXX XXXX XXXXXXXX XXXX SC XXXX Subject : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing regarding a debt your company claims I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt you are attempting to collect.

Please provide the following information for verification : 1. The name and address of the original creditor.

2. The full account number of the original debt.

3. A copy of the original signed agreement or contract with the original creditor.

4. The date of the debts original default and the amount of the debt at the time of default.

5. A breakdown of how you calculated the amount owed ( interest, fees, etc. ).

6. Proof that your company is authorized to collect this debt.

7. Any documentation showing that this debt is within the statute of limitations for collection in my state.

Please consider this letter a formal dispute of the debt and a request for validation. Under the FDCPA, all collection activities must cease until you have provided the requested documentation.

If you can not validate this debt, please remove it from your records and cease any further communication regarding this matter. 

Thank you for your attention to this matter. I expect to receive a response within the timeframe outlined by the FDCPA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Milestone credit card placed a late payment on my credit report. My late payment was due to me being XXXX XXXX XXXX  and I inadvertently missed a payment. Since this complaint, I have paid the account and the credit card is almost paid done to XXXX. I am asking that Milestone delete the late payment from my credit report since I have never been late paying them in the pass. 

Thank you for your consideration.
Product: Checking or savings account

On XX/XX/XXXX I received a XXXX XXXX for {$50.00}. After I went in on the XXXX XXXX  it was having problems that day so I waited until the money posted to my XXXX XXXX account which is linked to my NetSpend account. I immediately cashed out of the XXXX XXXX  for {$50.00} to go into my NetSpend account the transaction said it was completed but no money was in my NetSpend account for the {$50.00}. On the next day XX/XX/XXXX I called XXXXXXXX XXXX several times informing them that my bank NetSpend said they did not receive it yet on the documentation that XXXX XXXX emailed me it shows that {$50.00} should have went to my account debit card and then XXXX. I asked NetSpend why they could not pull up the transaction retrieval reference number for the {$50.00} that was supposed to be deposited into my account. I was informed by NetSpend that I need to contact XXXX XXXX  I have been on the phone all day with both of them they both were giving me the runaround one is saying call XXXX XXXX the other anc XXXX XXXX is saying call NetSpend. I am attaching the documentation where the money went to NetSpend I do not see why they can not pull up their transaction number and see if it matches going to my account with them.
Product: Checking or savings account

Three weeks ago, my bank notified me of questionable & fraudulent activity in my accounts at Capital One. Since then, my accounts are locked down and when I call, I'm routed to the Consumer fraud division 's section & my only option is to leave a voicemail.

The voicemails aren't responded to and I'm unable to verify if or when my Ssa has been deposited or any news of when I can retrieve any funds.
Product: Checking or savings account

Okay so there is this guy who owes me money for a laptop that cost {$2500.00} and he tried to pay me through XXXX but the payment didnt go through because I didnt have a business account and so he sent a check instead but instead of the check being exactly {$2500.00} he sent me a check of {$12000.00} and told me to go cash it at the atm at my bank which was XXXX and he said to split the XXXX and he keeps XXXX so I went to the bank and tried to deposit the check at the atm and it didnt work at first so I put in XXXX instead of XXXX when I tried to deposit it again and then the check bounced back and the banker told me the check was going to get reversed and then they closed my savings account so after that I went to Wells Fargo and opened a savings and checkings and the guy told me he would be able to wire transfer some money into my checkings so he did and wire transferred And credited my Checkings account with {$1300.00} but I never had any money in any of those accounts yet and so then he told me to send {$1200.00} back to him so I did and after I did that I received a phone call saying my account will close in 10 days and basically all I was trying to do was get my money he owed me because I already sent the brand new laptop And I still havent gotten paid from him and I have Some of his information aswell if yall need it but its been already 3 months Since he hasnt paid me and now when I try to go open a checkings account none of the banks allow me too all because this guy was trying to pay me. And all I was trying to do was get paid because its not fair that I sent him the laptop and I got nothing in return
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I tried accessing my account with Coinbase and could not. I created a ticket with them the same day. 
It is now XX/XX/20 and I have not been given access to my account..
Product: Credit card

I was contacted by Midland Credit Management in XXXX of XXXX and told that a lawsuit was filed against me for {$3100.00} for a XXXX XXXX XXXX I called Midland credit on XX/XX/XXXX and i was told by the representative that the statement was going to XXXX XXXX XXXX XXXX XXXX XXXX Florida. I have lived in Texas my whole life and I informed MCM ( midland credit management ) that this was not me. I also informed them that the same address that MCM said the statements were going to had been disputed years ago and it was 2 addresses that were not mines. they said that they would open a dispute case and that it would take 90 days, but today on XX/XX/XXXX i received a call from MCM again saying that a dispute was NEVER filed. So today another dispute was supposed to be opened by MCM CORRECTLY and i should hear from them within 90 days. The person in Florida has opened a credit card, apartment, and house under my SSN. i have disputed it with XXXX and my account has a freeze on it now. I have no knowledge of this card. I was informed to make a police report so I called XXXX Police here where I live on XX/XX/XXXX and I was told that there is nothing they can do because the fraud is happening in Florida. So, I called non-emergency in Florida and I was told that i had to call my local police and file a report then a detective from here would have to get in touch with them because they don't take reports over the phone. so, I called XXXX police again and was told again there was nothing they could do but they would give me a report number showing that i tried to file report. I spoke with officer XXXX, Report # XXXX.
Product: Credit card

I canceled my XXXX XXXX XXXX XXXX  and paid the balance in full. XXXX months later I received a late notice for {$1.00}. I called and paid it immediately even though I had no idea what it was for. Unfortunately I have no dates available to put down because Goldman Sachs customer service says they dont have access to it. I asked XXXX supervisors to please not let my XXXX XXXX get ruined over {$1.00} and they all agreed that it would be wrong to do that to a customer. However, I have received XXXX emails saying that they are standing by their decision. My XXXX XXXX went from an XXXX to a XXXX. I am at my wits end and really need someone with a XXXX to help me or just someone who has common decency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not consented nor do I recognize this inquiry and there is no contract with this company
Product: Mortgage

On XXXX XXXX, 2016, we paid our mortgage with Wells Fargo in full. We were not required to maintain an escrow fund, but had done so voluntarily. We made demand for refund of the escrow, but Wells Fargo, although crediting full payment as of XXXX XXXX, did not make a bookkeeping entry showing a 'refund ' until XXXX XXXX. As of this date, XXXX XXXX, we have not yet received our money, over {$4500.00}.
Product: Credit card

I noticed fraudulent charges on my credit card when I received a routine email from Discover card. I notice the balance was usual. I saw the activity and immediately called and requested to cancel the number and to initiate an investigation. After 7 days I received a new credit card. 
My husband was also a user and his credit card was in my possession. XXXX note, we have been a customers for 27 years and have never had an issue. 
A month later I was called on Thursday XXXX XXXX at XXXX pm. The representative did not leave a message so I called back at XXXX pm the XXXX rudely accused me of the charges ( please listen to the recording ). I explained that I do not have XXXX products and had never purchased on XXXX. Equally important, if you live in XXXX XXXX you can not purchase anything from XXXX. 
Clearly this matter needs to be resolved using law enforcement. It has not been investigated properly. I filed a police report # XXXX ( XXXX ). I am documenting everything including detailed records of interaction. I have been deframed. This credit card company refuses to help me with my fraud claim. I clearly don't want to associated with a company that will not stand by their customers. 
My desired resolution is that they indeed find the person that is responsible for these charges. 

Cordially, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$10000.00} ; XXXX  XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00}.
Product: Checking or savings account

XXXX XXXX had a scammer hack my account information and deposited a fake check then wired him self money then the bank is trying to tell me to pay it and the fraud department will not take care of the issue at USAa XXXX