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

On XX/XX/20 I sent in a dispute for inaccurate information reporting on my Experian Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing that I owe the following amounts XXXX XXXX XXXX XXXX They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau.
Product: Money transfer, virtual currency, or money service

I received an email on XXXX from an email account pretending to be my attorney for a home transaction. The fake account reached out to say that the due date for the downpayment deposit was changed from XX/XX/22 to XX/XX/22. The fake account sent a letter with my attorney 's information and signature. I then received a fake attestation letter from the fake attorney account, also with my attorneys signature and letterhead. I wired the {$32000.00} on XX/XX/22. I received a call from the Capital One bank wire department to confirm the details. On Sunday, XX/XX/22, I received an email from the fake attorney account saying that the money had not yet arrived. I called my bank the next day on Monday XX/XX/22 to confirm the details and they let me know that the money was on the way. I also called the recipient bank and while they could not give me information on the wire, they said the money may take a business day or 2 to arrive on their end. I was updating the fake attorney account throughout the day on XX/XX/22 and received an email on Tuesday XX/XX/22 from the fake account that the money was pending in the supposed escrow account. I then received a call this morning from my attorney saying that he never spoke to me about this. I then realized the email I was speaking with was misspelled with my real attorney 's last name. I contacted my bank immediately after hearing this ( morning of XX/XX/22 ) from my attorney and they initiated at stop transfer request with the bank that received the funds. I have followed up over 10 times with my bank, Capital One, and they still do not have any information for my case as of XX/XX/22 a over a month since I filed the stop transfer. Capital One states that they still have not received a response from the bank and can not do anything to potentially refund my money until they do. The local police detective ( XXXX XXXX  Police department ) was able to give us more information about how the fraudulent transaction transferred money through at least 2 more bank accounts. Given their resources, it is unacceptable that Capital One is unable to provide any update on a claim filed over six weeks ago. I have been told several times that notes have been added to my Captial One case file, an investigator from Capital One will reach out to me, a representative will reach to me to, etc. with no follow through from Capital One. No one from Capital One has reached out or asked for any additional information since I first reported the fraud on XX/XX/22. The nonchalant, passive attitude Capital One has taken towards their investigation and refund of my money is disheartening. I am a working class person who was scammed out of their life savings- not a major business with millions of dollars in their bank account.
Product: Credit card or prepaid card

XXXX has charged my amazon store card for XXXX dollars on XX/XX/2022 and that is a double charge or a duplicate charge for an item that I was already charged for and I returned it back. The charge of XXXX dollars from XXXX to my credit card on XX/XX/2022 is a duplicate charge and is wrong and an overcharge and duplicate charge. I was already charged for this item on XX/XX/2022 so XXXX should NOT charge me again on XX/XX/2022. I am requesting from Synchrony bank to refund me for the charge made by XXXX to my XXXX store card for XXXX dollars on XX/XX/2022 and refund me that money
Product: Credit reporting or other personal consumer reports

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  I never gave any of these companies to use or run my credit.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX dated XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15USC 1681. 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 Cash for Whatever Act 13791972 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 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.
Product: Vehicle loan or lease

Leased XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX of XXXX XXXX. The lease was for 42 months and included XXXX XXXX XXXX of {$3300.00}. The first maintenance would have been after XXXX miles. On XX/XX/XXXX the vehicle was totaled and only had approximately XXXX miles to that date { driving was limited due to XXXX -- lease allowed XXXX miles per year XXXX. The dealership provided disjointed and no follow up to my request for a refund. I first wrote to the finance person as well as my sales person on XX/XX/XXXX asking for a refund. I then sent numerous email to the XXXX, sales XXXX etc. finally I got hold of the finance person and took over the communication with their parent company, XXXX XXXX. They finally got the info they needed to proceed and then they received a response i early XXXX, XXXX stating XXXX had ruled that they would not refund the money and would be keeping it because they decided on XXXX XXXX that they would no longer refund any pre paid maintenance funds. The response was sent to the dealership and I had to call XXXX XXXX to find out that they would not refund the money. I lodged a complaint with XXXX and they still declined to make a refund. I do understand there is a discount for purchasing pre paid maintenance and do get that refunds part way thru XXXX be problematic BUT I had an accident, NO service had been done, they are keeping {$3300.00} and profiting from my accident and doing NO service
Product: Debt collection

This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.
Product: Mortgage

We filed a complaint previously ( in XXXX ) with CFPB : the issue was that we were paying Shellpoint via ACH regularly with no problem and then all of a sudden in XXXX they stopped posting our payments. We had proof the payments were made on time every month and the ACH went from my bank to Shellpoint. After the CFPB complaint was submitted, Shellpoint all of a sudden " found '' and properly applied the 3 months of mortgage payments they insisted were not paid but we were able to proved had arrived on time- they simply are not allocating them. 
Shellpoint sent me a letter indicating they had properly applied all payments and removed all late fees and had notified all credit bureaus to remove any strikes to my credit as a result of Shellpoint 's errors. 
We thought this was corrected and continued to pay each month, on time. Every month. 
Since that initial 'correction ' Shellpoint made they have once again reverted to not applying my payments though they are absolutely being received via ACH. 
Shellpoint collections people call me constantly insisting my account is in arrears. It is not. 
It is IMPOSSIBLE to get to anyone at Shellpoint who can fix this issue- all the collections folks say there are no payments and we're in arrears. We are NOT. 
EVERY payment has been made well before the due date. 
I really need your help in getting to a person at Shellpoint who can fix this once and for all. It is THEIR system error entirely. 
Thanks for your help! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results from my investigation.
Product: Credit reporting or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY  PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : CONTRACTOR/SELF EMPLOYED YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT
Product: Credit reporting or other personal consumer reports

I am trying to attain a mortgage but they are unable to pull my equifax report. I have called numerous times to request all freezes and security alerts be lifted I have sent in a certified letter also and still my lender is unable to pull my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my Equifax consumer report via XXXX but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. PLEASE SEND IT VIA MAIL TO THE ADDRESS PROVIDED IN THIS COMPLAINT. THE PERSONAL INFORMATION I PROVIDED IN THIS COMPLAINT SUFFICE AS MY PROPER IDENTIFICATION PURSUANT TO THE FCRA.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX, XXXX XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 applied for XXXX XXXX  which pulls from equifax and its not pulling my report. I contacted equifax and there is not any fraud alert or credit freeze. My equifax score is XXXX according to XXXX XXXX. Please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of XXXX by silence, XXXX XXXX XXXX XXXX, I presume that no proof of alleged debts, nor therefore any such debt, in fact therefore exists!
Product: Credit card or prepaid card

Two Bank of America employees anonymously informed me that a credit card was opened in my name the same way XXXX XXXX did customers from XXXX to XXXX and got caught for. When I would go to the banks to have my account serviced they would do a soft pull to verify that I was the owner of the account and one of the times this happened they ordered a credit card in my name. I never found out until I came to XXXX ad two employees pulled me to side and gave me hints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a call from a rep from Lending Point. The representative was calling for a payment. I advised I was experiencing hardship however I could make the payment on Friday ( XX/XX/2020 ) which was the end of this week. She stated if I wait until Friday it will report negative on my report and that I had to make a payment that day which was a Monday. 

I explained to her I didn't want any negative remarks on my credit therefore I paid with my credit card. A week later XX/XX/2020 I started to get alerts from my credit monitoring company that a late payment has been reported. 

I called the company and spoke to the supervisor ( XXXX XXXX ) on XX/XX/2020 at XXXX. She stated she would review the call and call me back. 

After waiting all day and didn't get a returned call, I called the company again at XXXX and requested to speak to XXXX . 

XXXX stated she did review the call and the representative did advise me it would not report on my credit file, she stated she would educate the representative however it was nothing she could do with updating my credit profile. 

This company misadvised me, took a payment and then reported negatively on my report and refuse to do anything about it. 

I am not sure what to do or where to go from here as this is very damaging on my report. 

Please help
Product: Consumer Loan

I bought a Ford a while back, financed through Ford Credit. Having been educated in the basic principles of finance, I 'd like to make an effort to pay the loan down early. Unfortunately, their entire system seems to be deliberately designed to make this as difficult as possible. 

First, any payment you send in does not officially " clear '' for several business days. Twenty years ago, that was silly, but at least somewhat understandable. Today, in the Age of the Internet, it 's just flat-out ridiculous. If I submit a payment electronically and it takes more than 1 minute to clear, something is very wrong. If XXXX and XXXX can get it right, why ca n't Ford Credit? 

But that 's just a part of the larger issue. If you submit an additional payment, common sense dictates that you are obviously trying to pay the loan down early, but their treatment of the funds is disingenuous, bordering on predatory. Instead of applying the money to principal, as is appropriate for an attempt to pay down the loan early, they apply it as an early payment, and simply adjust your payment schedule to compensate. 

This makes no sense whatsoever. While it 's certainly imaginable that someone might have a need to make a late payment ( " I can pay you tomorrow, but not today, '' ) the thought of the opposite as a legitimate issue ( " I can pay you today, but not tomorrow '' ) is utterly ridiculous. And yet it is not only the default presumption when additional payments are received, it 's the *only* option available on their website. 

In order to have additional payments handled correctly, you are required to wait several days until the payment clears, and then call Ford Credit, navigate a phone tree that does you no favors in your attempts to reach a human being, and then finally explain the obvious to the operator and have them manually fix the payment in their system. And you are required to go through this long, wearisome process every. Single. Time. 

I have complained about this to them multiple times, and have been told that nebulous " technical issues '' prevent them from setting it up the right way. As a XXXX, that 's pure bunk. If any such technical barriers truly exist, they exist only in the mind of an utterly incompetent site developer. Much more likely is the theory that this is done deliberately, placing as many barriers as possible in the way of a customer paying down their loan quickly, in order to maximize interest income. 

Ford Credit refuses to fix or even truly acknowledge the problem, so I 'm coming to the CFPB. Please investigate and put a stop to predatory practices like this. If an additional payment is received, it should, by default, be applied 100 % to principal in order to pay down the loan as quickly as possible. Anything else is abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the XXXX XXXX XXXX  and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states so I dont understand whats going on please help me understand these companies are not being help to comply and I dont need XXXX  and Equifax to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XX/XX/XXXX, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Debt collection

I have disputed this collection several times through the credit bureaus and directly to Cavalry Portfolio,  which was never answered? I asked for documentation this is my obligation and the procedure of reinvestigation was done. No response from Cavalry!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.