23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX last year XX/XX/XXXX. The vehicle was financed through Capital One and totaled this year in XX/XX/XXXX. Capital one only recently started sending me paper statements the same month the vehicle was totaled and I noted and informed XXXX XXXX co representative XXXX XXXX that Capital one has the wrong vehicle. I reached out to XXXX corporate office, the title division and asked that they contact Capital one and send them what they were asking for to make the correction and she did. I was able to verify this through XXXX XXXX an account XXXX at Capital One who after aprox 4 weeks have not been able to updated records from the back office and the only thing he can do is to continue to send them emails. Capital one has switched my infinity to a XXXX XXXX XXXX that I have never owned. I am XXXX XXXX XXXX, a single home owner and feel that I am being abused and taken advantage of. XXXX XXXX frequently states theres something wrong with the collateral which makes no sense to me nor do I understand any of the delay since they have been provided the with proper records and title information, why are they unable to correct the records so that the insurance company can pay off the infinity so that I can move forward to other problems that many people have today. The stress and frustration is too much, please help me.
Product: Checking or savings account

Ive been a victim of identity theft. Someone created a XXXX account in my name and gained access to my Wells Fargo account. I told Wells Fargo that I didnt have a XXXX account at that time but that didnt seem to change their mind that an account I didnt have, withdrawing from my bank account, isnt fraud. These are the claim numbers provided in the app XXXX, XXXX, XXXX, XXXX, XXXX. I have spent over 15 hours on the phone with Wells Fargo since the XXXX, Ive been hung up on, transferee around in circles, dealt with incredibly rude agents only to get my claims denied with one claim denied 3 hours after it was received. It seems that no team communicates with anyone else in the business. I was never asked for supporting evidence like a police report, ID Theft report, communication with other businesses, absolutely nothing. How is this a thorough investigation. I received letters for stop payments that I had made one of the letters said that I canceled the stop payment. There is no reason why I would do that. Nobody would tell me over the phone why my claims were denied, they told me that I would have to wait to get the letters in the mail. I have been a customer since 2001. I now know why they have an F from the XXXX, they have been fined billions and billions of dollars for fraud, and are called the worst big bank.
Product: Credit card

I opened a paypal credit account in XXXX of XXXX. I immediately set up for auto-pay. Since I have several accounts with the same bank, PayPal was only able to show me the last four digits of the accounts which are all the same. The unique identifier is in the beginning of the account. Because of this, my auto-pay was set up with the wrong account. I called to ask which account it was showing because I had no way of viewing it through PayPals system. They were unable to provide any assistance. After trying to fix it myself, it appears two of the accounts were old and caused a return payment. Immediately upon discovery, I made one time payments until I could get the auto pay corrected. They were never able to provide any assistance so I had to cancel autopay through PayPal and submit it with my bank. They closed my account without warning because THEY were unable to tell me which checking account was set up for autopay. I made my final payment to clear my account balance on XX/XX/XXXX however their system didn't show the payment. I was forced to make ANOTHER one time payment to put the account at {$0.00}. That caused a duplicate payment that was for the amount {$1300.00}, I have been told by no less than five agents via chat and the phone that my refund has been processed and submitted that the check would be delivered via mail within XXXX business days. we are now on business day # XXXX and I'm nowhere closer to getting my refund that when I started. The chat agent today told me that the last check was mailed on XX/XX/XXXX which I have absolutely XXXX faith actually occurred. Had they not decided to up and close my account because they couldn't figure out what they were doing, I would have done it myself after this nightmare of an experience.
Product: Mortgage

Case # XXXX & XXXX, I received the attached email from ocwen ; the outcome did not resolved the matter. I have been going back and forth with Ocwen for the past seven month and it is unfair to me. I 've struggled and paid my mortgage on time for the past years & I deserved my fair recast.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; Original Creditor : XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Mortgage

I paid my last statement in full 3 weeks prior to it's due date - have since gotten late fees and now a notice of default. 
See complaint # XXXX I have never had a late payment and my credit records have always been impeccable - I am a responsible senior citizen that's being taken for a ride. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED,  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are several inquiries as well that are not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Product: Mortgage

Santander Bank has been served a copy of my federal complaint under the Recovery Act. Santander has failed to respond to United States District Court for the   XXXX   XXXX  Pennsylvania  Court  Order.  Santander Bank  has not settle civil action number  XXXX .
Product: Mortgage

I began the process of refinancing a rental house I own. I was qualified and all was needed was the appraisal. It came out fine for value but the  appraiser e stimated the rent to be {$1900.00}. The house is currently rented for {$2500.00}. I had no problem filling the vacancy in two days last  XXXX .     I 've asked the appraiser to both explain his reasoning and to accept my provided comps for rent which shows comparable houses for rent or rented in the $  XXXX - {$2700.00} range. He refuses to even respond.     The mortgage company underwriter will not move forward based on the appraisers opinion.     So, they will not fund my loan however I should have recourse. I 've provided proof of rents and lease agreement and the bank has chosen to rely on the appraisers opinion over my actual data and now I 'm out {$850.00} for a flawed appraisal. It 's the banks prerogative to not fund but at the same time their opinion should be based on fact not opinion. I am entitled to a refund for the appraisal. I 've performed and they 've chosen to accept the opinion of the appraiser over my documented and provided proof of the income from this rental.     If I was n't qualifying or not providing documentation needed to process the loan, I completely understand. However, I 've performed, complied and provided all documentation. I 've done everything they 've requested. If they 've decided to not move forward, at the very least I 'm entitled to a refund for the appraisers opinion over my fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance has reported late payments to credit bureau during pandemic. I have reached out and asked constantly to have resolved. Was told it would be removed from my credit report and has not been done. Due to pandemic I was unable to make payments on time. Although they were not on time I still paid best to my ability and have numerous payments ahead of schedule as of now.
Product: Credit reporting or other personal consumer reports

Equifax continues to violate my consumer rights by telling me that verified fraudulent information in my credit report .I sent in a complaint. Equifax did not provide any proof or any documentation that the fraudulent accounts listed below were open by my. further more Equifax has my name wrong. my name is not XXXX XXXX XXXX. 

The reporting of these account ( XXXX ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : XXXXXXXX XXXX Date openedXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date openedXXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX Date openedXXXX XXXXXXXX, XXXX Account XXXX
Product: Checking or savings account

so this all starts on XX/XX/XXXX when I get a notification that someone had made purchases in my name without my knowledge after waiting to be contacted about it by usaa which never happened i reached out a representative said they could ensure a full refund so I waited the money comes in and about a day later the same person starts making purchases in my name again and I reach out to usaa for a stop payment method and everything seems good about what has to be two days later the person had somehow convinced usaa to remove the stop payment and continues buying and about a few days later attempts to have a second card made out in my name to presumably continue buying stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.
Product: Credit reporting or other personal consumer reports

A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information includes an account opened at Texas XXXX XXXX XXXX, which I did not authorize, open, make, or initiate in any way. 

The details of the fraudulent information are as follows : Texas XXXX XXXX XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. 

This account is the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize this account, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. 

Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. 

These cases establish my right to a fair and accurate credit report and affirm the duty of XXXX to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer FICO credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times that a chapter XXXX bankruptcy on my credit report should not be reporting. I supplied supporting documentation and it was dismissed. Experian is saying they verified the information with the court, which is not accurate. The courts do not verify information. Experian used a third party to view the public records and when i requested to find out who verified the information and what supporting documentation they had, Experian has failed to respond.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report ( Equifax ) I noticed reporting on my credit report were unknown and unauthorized hard inquiries listed. 
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX, Acct ending in XXXX
Product: Money transfer, virtual currency, or money service

I 've made investments with a company thinking I was taking steps to owning my own business. But it turns out to be fraud and I contacted the merchant for months asking for a refund and the said they have nothing of mine on file. I 've called my bank and my bank said the can not help with my dispute its out of there reach.
Product: Checking or savings account

I received a check from my brother and deposited it to my Checking acct on XXXX via mobile app and was notified there was a hold placed on the check I received an email notification XX/XX/ there was a restriction placed on my account I called the # on the notification and was transferred to a different dept ( assuming Fraud dept ) The person asked who the check was from, if I had ever received checks before, etc The person then said he needed to verify from the sender that the check was really made out to me He asked for a phone XXXX XXXX XXXX XXXX XXXX  which I gave to him, but it didn't pass his security check and they could not verify the owner of the phone # I gave him a 2nd phone # ( mobile ) which also didn't pass his security check I have literally no other # s to give him so my acct remains restricted I asked to cancel the deposit and he said the deposit could not be cancelled So at this point I don't know what to do. Any guidance here would be greatly appreciated. 

I have attached a copy of the check that was deposited for reference.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN CREDIT BUREAU regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
ON XX/XX/year>, I STILL HAVE discrepancies in the following account ( XXXX ) : Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN CREDIT BUREAU has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/XXXX I contacted Transunion by chat due to constant issues with logging in and also technical issues once logged in trying to access my report. Per Representative XXXX by chat at XXXX on XX/XX/XX/XX/XXXX the reason for my the isssues is due my account need maintenance and Per XXXX he will escalate this issue which will take 4 business days to fix. I asked if theres a phone # I can call just in case if its not handled. XXXX XXXX theres no # to provide. I took snapshot of the chat for my record. On today XX/XX/XXXX, I tried to access my credit report to see if the issue was fixed so I can check my report and dispute items since Ive paid off numerous accounts. Im trying to refinance my XXXXr for a better interest rate and lower payment but unable to update Transunion. I spoke to XXXX XXXX at XXXX which stated theres no record of any chat or any documentation by XXXX  XXXX XXXX XX/XX/21. I asked for XXXX XXXX. I spoke to XXXX XXXX and informed him that I have snapshot of the chat conversation with XXXX on XX/XX/XXXX. XXXX XXXX, the reason why Im unable to access my record is due to multiple profiles of an out of state area code that companies are reporting on me. This is the first that Ive heard of this! Im able to access my account sometimes and sometimes Im unable due to technical issues reporting but Im able to login theres no out of state phone number listed for me and Ive verified all merchants that I have an account with is correct. I had to file a complaint with XXXX XXXX XXXX XXXXu maybe month or two ago for another issue of incorrect information so they had the opportunity to fix any issues at that time or notify of any discrepancies but nothing was brought to my attention. XXXX XXXX XXXX I have to wait again 7-10 days to see if this issue can be fix. Ive been waiting for months for Transunion to correct & update information. It appears that this is a ongoing issue that no one is trying to resolve! I cant move forward with trying to get better rates or approval due to someone being incompetent and not resolving this issue.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year> my business XXXX XXXX XXXX XXXX  account ( XXXX which is cosed ) was hacked for {$4.00} when i came to citibank branch on XXXX XXXX XXXX XXXX XXXX citibank persanal banker XXXX XXXX XXXX provide all information who hacked my account it was XXXX XXXXThe money went trow the XXXX XXXX XXXXXXXX. I made complaint repot to police precint XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.