23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, after having contacted Capital One to confirm that there would be no fees for transfer or for exchange of currency from Euros to dollars ( Capital one claimed that there would be no fees ), I chose to initiate an international transfer to Capital One, rather than the XXXX XXXX XXXX XXXX, who charges {$25.00} for international transfers. However, Capital One did not disclose that they do not use the Federal Reserve and a good exchange rate, but rather use an intermediary bank that charges not only a fee but also uses a poor conversion rate that results in a loss of approximately 2-3 % of the funds. Since I use a major credit card with no fee, I'm aware of how much variation there is in the currency exchange rate and this far exceeds normal variation. In addition XXXX uses the Federal Reserve currency exchange rates and I will be using them in the future to avoid this problem. In response to my complaint, Capital One has stated, " Capital One received funds totaling [ [ REDACTED ] ] Euro and converted the funds to US Dollars at an exchange rate of 1.153, which was the accurate rate for XX/XX/2021. Please know that resources available online to consumers often show exchange rates for bulk conversions in the millions of dollars. '' Note that the exchange rate on XX/XX/2021 was in fact XXXX, and was never below XXXX during that entire 6 day time period, and that XXXX in no way represents an accurate rate for XX/XX/XXXX, XXXX https : //www.federalreserve.gov/releases/h10/hist/dat00_eu.htm Is Capital One not required to disclose the use of an intermediary bank or subpar currency exchange rates? This represents a huge loss of funds that was not disclosed to me, and thus represents deceptive banking practices.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that do not belong to me please help - 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 these are not my inquiries please help
Product: Mortgage

I have contacted Wells Fargo several times about this issue. Several years ago I agreed to split the mortgage in two, one half to be paid on the first of each month, the second half on the 15th, deducted from my bank account electronically. When my financial situation changed, I arranged to pay once a month, at the end of the month, electronically by myself. When this was arranged, I had already paid off the month and they agreed to start this with the coming month. 
Since then they have added a late fee of 50+ dollars every month, which now adds up to over {$1000.00}. I have never missed a payment, and dealing with them is like pulling teeth. I was even told by them that, because of my late fees, I can not refinance or look for a more decent mortgage company. 
I do not owe this late fee, and I will do anything to get this off my bill. This is one of the worst financial companies I have ever dealt with. The original mortgage company sold me off to these people and I had no choice. Why do we consumers do not get to choose who is sucking the blood out of us? My monthly mortgage keeps going up for all kinds of reasons given, it is now 100 dollars more than when it started, not only because of taxes ( my property taxes are included in the mortgage ) but somehow something needs to get paid and I have no clue what it is. 
Before I get a lawyer to handle this I want you to know about what Wells Fargo does. Considering their track record makes me even more mad that I had no choice in services when my loan was pawned off. We had an agreement that I can pay at the end of the month because of my financial situation and my paychecks, and they do not uphold their end.
Product: Credit reporting or other personal consumer reports

Incorrect addresses and names are being reported across my experian report. Ive mailed in multiple letters verifying my current address. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX! Delete all others. They do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you
Product: Vehicle loan or lease

My complaint is against First National Bank of PA that has not accepted payments made to my son 's auto loan. 
My mother, XXXX XXXX XXXX has made 6 electronic bill payments from her checking account with XXXX XXXX XXXX XXXX XXXX to my auto loan with First National Bank and none of the payments have been credited to the loan. My mother and I have made calls to First National Bank trying to clear this up ( XXXX XXXX, XXXX, & XXXX, XXXX ). THe bank and the bill payment center have confirmed that payments were electronically sent to the correct address and loan number. The bill payment center and my mother had a 3 way conference call on XX/XX/XXXX explaining the situation. The bill payment center faxed the payments ' information that day showing proof of payment. As of today, XX/XX/XXXX,  First National Bank still has not deducted the 6 payments total of {$1600.00} from his loan balance. I have been sent letters for delinquent account stating I will be turned into the credit bureau because they have not received payment. Their bill payment department needs to research and locate the payments since dates have been given to them with reference numbers when payments were sent.
Product: Debt collection

Chase has called my job 3 times in attempts to collect a debt. I never gave them my job number but somehow they have tracked it down. I can lose my job for this. I would like for chase not to call my job. At this time I am enrolled in a debt consolidation program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been XXXX and they are still not following federal law. As such, Transunion and XXXX are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts with XXXX  ( XXXX XXXX ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. XXXX also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$96000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have received a letter claiming that I owe a debt to the fraudulent accounts listed below. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. I DEMAND THESE FRAUD ACCOUNTS BE DELETED IMMEDIATELY 1. The original application or contract. 
2. All statements allegedly related to this debt.

3. All signed receipts.

4. All cancelled checks. 
Under the law, you have thirty days to supply this proof. In addition, do not contact me again via phone. From now on, we will communicate through mail. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

You may or may not be the proper, we are a small business, XXXX XXXX, XXXX in XXXX, Alabama. We had accepted a credit card XX/XX/year> from a XXXX XXXX for {$1300.00} in purchases at our store. About 3 months later, XXXX charged this amount back to us through XXXX, our bank. We disputed this, and they reinstated the charge, then again charged it back soon after. Their reason was it was a fraudulent card, although we were given proper authorization at the time of the transaction. We had complained again to both our bank, Truist and to XXXX arbitration but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided all the documents, I still can not get my address verified with them, or for them to send me my free annual report. Please work with me. See documents. Please confirm. My address is on the bank statement from XXXX 's bank.
Product: Debt collection

I have contacted Portfolio Recovery by mail to try to negotiate a settlement. They have not responded to my request. I would like the cfpd help in having them respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 XXXXXX/XX/XXXX
Product: Credit card

I got the information from credit report and was upset because I had tried to make payment arrangements with them, but they refused to accept arrangements and did not respond. I do n't feel that was fair as I offered what I could and they never, ever responded. When I would go to the automatic teller, it would get my information ; then reject it. I tried this several times.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

I called the XXXX courthouse asking if they report XXXX  to the XXXX XXXX credit bureau 's and they reply no. If that's the case how did the credit bureau 's verify my XXXX  100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( e ). They violated my consumer right numerous times.

The credit bureau 's violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A I have the rights to privacy.

According to 15 USC 1681 section 604 A section 2 It also states and consumer report agency can not furnish and account without my written instructions According to 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any other 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

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Product: Checking or savings account

I was in Walmart to make a purchase on XX/XX/23. I got into argument with cashier and I walked out without my groceries. I was still charged for said groceries. I filed charge dispute the same day with capital one. Capital one bank made a decision XX/XX/23 to deny my dispute and notified me to contact vendor, walmart. So I went to walmart XX/XX/23 to get video footage of myself walking out without groceries. Walmart told me on XX/XX/23 that is was impossible to replay footage from XX/XX/23 because that was too far in the past so I feel that is capital one is at fault they failed to resolve my dispute in a timely manner leaving me without recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXXandXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX- XXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX XXXX, XXXX , OHXXXX- XXXX, XXXX, OH : ( 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
Product: Credit card or prepaid card

Barclay bank has reported my XXXX account as delinquent, for 30-59 days when i have made my monthly payments on time, my last payment was on XX/XX/18.
Product: Payday loan, title loan, or personal loan

I took out this loan a year and a half ago, I understand that payday loans have got high interest rates, but this rate is almost at 100 % interest. I have been making payments since XX/XX/2020 and still have almost 2 years left of payments left to go. I have paid off very little applied. On a {$2700.00} loan, only approximately {$350.00} has been applied to principal {$2900.00} has been applied interest. 
Although I understand that these loans are higher rates, I feel that this takes advantage of people in desparate financial situationswho feel they dont have any other options. I would like to see what can be done to get this loan closed out as soon as possible, since I have already paid a few thousand to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I would like to ask help on this matter with Equifax because so many times I try to XXXX and also I wrote a letter to this creditor for I dont have any score from them and I request the file from them as well but they did not help me and the reason was because recently I did not have any credit and also they were saying theres no activity more than 10 years and theyre saying it doesnt show that Im leaving in US they dont have my Social Security number but this is absolutely wrong because I wrote them a letter with my Social Security my identification with two major also billing address and my current address and also when I apply for any credit even secure they said based on Equifax Report we can not approve you I would like to address this matter since they are not helping me I appreciate it sincerely
Product: Bank account or service

I recently called BofA to inquire about a credit card payment. The representative who answered my called was asking me for the XXXX digit code number at the back of my debit card after giving out the my debit card information. This should be a cause for a concern. My debit card can be comprised because having giving out my debit card information and the XXXX digit code it can be used for something else. And BofA should stop doing this to its customers as a way of verifying their account.
Product: Debt collection

Pro XXXX a debt I owed for an unpaid rental apartment from 2017 has said they have been trying to contact me, send me letters and I have not received anything. I called to try to settle the debt for half because Im currently in the worse situation ever and need to move immediately. I have XXXX children and need to move forward and they are not making it easy for me at all. I was not able to pay the debt because I lost my job taking care of my mother and now XXXX isnt making it any better. Today I contacted the company and the refused to settle with me or to even let me make payments.
Product: Debt collection

Allen & Withrow Attorneys at Law located at XXXX XXXX  XXXX XXXXXXXX XXXX XXXX AR filed a suit against me for a time-barred debt on XXXX. I contacted the attorneys office by mail stating they were in violation of the FDCPA regulations and to stop any further proceedings in court. They have failed to do so and are continuing the suit.
Product: Debt collection

I discovered that Jefferson Capital LLC reported a collection account on my credit report without prior notification. I believe this debt is inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt, asking for specific documentation to verify its legitimacy. However, I have not received any of the requested information. Despite this, the debt is still being reported to the credit bureaus, which could be considered false or misleading. Reporting a debt without proper validation implies that the debt collector knows it belongs to me, which is not the case. This also violates the Fair Credit Reporting Act ( FCRA ), as the debt has not been marked as disputed on my report.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Mortgage

i've been out of work since last year in XXXX due to covid i had XXXX  XXXX i've been struggling with health issues where i couldn't work. i finally found a job after all the illness i've had i'm hopefully getting better. i'm really behind my house payments from XXXX all until XXXX i wont be able to get a payment through until i start working good hrs
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have disputed an account ( XXXX ) to which I have no knowledge of. Equifax has refused and neglected to provide me with any verifiable proof that the account belongs to me. I submitted a follow up letter in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received anything from them regarding this account, but they continuously update the Date Last Active. 

Also, I have disputed certain inquiries from XXXX  on my report, and that too, have been ignored. These accounts have no permissible purpose on being my report : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX