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

Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$980.00} ACCT XXXX XXXX  XXXX Balance Owed : {$51.00} ACCT XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Product: Debt collection

Please see enclosed letter to Army/Air Force Exchange dated XXXX XXXX, XXXX. 

I have never been in the Army or Air Force.
Product: Credit card or prepaid card

first let me say i need all copies of complaints i made about discover card. i dont even read their responses. since they have gotten away with behavior that SHOULD be regulated but is not which is how i know you will continue to do nothing about my complaints. they closed my accounts which i had not used and i will not make any payments as a result of not getting help to which i was duly entitled. I have never seen a bank get away with the bullying, the discrimination they did and how difficult they have been that it would escalate to where its headded.. court. In a world where a good customer who calls and has a good payment history should be valued it is not with discover card. they bully disciminate and then when i made a complaint and asked for things to be done anyone else would have done in good will they closed the accounts. but no bank i repeat as ever lied, discriminated like they do and they think they can report me to credit when i dont pay since i got no help, when requested, was discriminated against etc. we will see. i will take needed steps to protect myself.
Product: Checking or savings account

I was a customer of Bank of America since XXXX and I was gold preferred member of the company. 
In XXXX XXXX the bank close my account without any notification, I was in XXXX with some friends and I couldn't pay my bill at the restaurant because that one the only account that I had. 
Also in XXXX I opened a company for student transportation and because at the moment I didn't had a business bank account ( it was taken a while ) the students started to send me money through XXXX, I have all the receipts for them. 
They blocked my account in XXXX XXXX and they finally close my account on XXXX XXXX and they reported me to XXXX XXXX XXXX. 
I requested the XXXX XXXX XXXX, the consumer report and didn't show any fraudulent transaction but they close my account under suspicious activity. All that is showed there are the direct deposit from my employers
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE DISPUTED THIS INFORMATION MULTIPLETIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT AND THIS INFORMATION IS IN RESULT OF THAT, XXXX  XXXX # XXXX AND XXXX # XXXX. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS XXXX MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Product: Prepaid card

Did not authorize the account and customer service representatives refuse to provide me with who or what company provided with my information. Company information provided was netSpend for a " consumer partner ''. Transferred multiple time but was unable to actually provide me how they received my information. The first individual was XXXX at ext. XXXX that was unable to close the account or provide me with the information. The next was XXXX ( employee no. XXXX at ext. XXXX ). XXXX accidentally deleted my account number after I asked to speak to her manager. XXXX also briefly me on hold to obtain the information and did not have the information when I return. Getting actual person was next to impossible!!!!!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and I noticed I had one late payment on an account that I was not late for. I have never been late in my payments for this account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide me proof with statements showing that I was late on my payment. If proof can not be provided I demand this late payment be updated to on time as they should be I was never late. Thank you
Product: Mortgage

I was put on a program to help pay my mortgage in 2020 during the pandemic. My first payment was to start in XXXX I believe however XXXX XXXX stopped all payments and for closing. When my payment wasnt made they kept calling me. I kept tell them that XXXX XXXX stopped all payments but the kept calling and I talked to lost mitigation i was told they knew nothing about that and i need to pay. They kept sending me letters. When I started talking to the mortgage department they were saying it was an error and disregard in must be a mistake but it kept happening. Then it stopped after a few weeks. The a check was supposed to be given to me from my housing insurance but they said no because i was in foreclosure. Im like im on a program then the called lost mitigation and they told them I was on a XXXX XXXX program. I knew nothing about that and didnt sign any papers daying that. I called XXXX and the explained it to me. They said not to worry navy fed could not take me iff without my permission and they will keep in contact with me. I didnt trust that so I keep calling to make sure things were good. In XXXX i got a letter from the lawyer saying they were going to start foreclosure. Im lost I thought i was on XXXX XXXX  program. I went to navy fed to find out and was told they send paperwork to me many times with no response. I told them they didnt send me anything. They said itwas sent to XXXX XXXX XXXX XXXX XXXX SC well i live at the property address and i got nothing. My name us in the mortgage also so i should have gotten everything they sent to him. He doesnt even live there anymore so no one got the paperwork. They told me it was there mistake and it would be taken care of. Then I started getting letters to {$1000.00} a month. I said if u put me on a program because I couldnt pay {$940.00} how was i to pay that. And i had a court date. They said if i send in the new paperwork dont worry about the court date. I sent in the paperwork. 2 months later it started all over again they lawyer now had a sell date. Im calling again the paperwork I sent expired. No one told me. I went to the clerk of courts and was told what was going on and I shouldve told the judge about the paperwork but i was told there wasnt a court date anymore so I didnt go. I had to file bankruptcy to save my house. I gave to pay {$2500.00}. A month to save my house. Please tell me what i did wrong to get put in this position, they kept call about that payment even after they told me not to pay. I was told it was the collection department do why didnt they know i was told not to pay. I found out in XXXX but the last statement i got was XXXX to XXXX.
Product: Debt collection

On XX/XX/XXXX I got a notice from XXXX that Penn Credit had reported a negative account to my Credit Report. Today XX/XX/XXXX I get a notice that they updated the negative reflecting it is negative as of XX/XX/XXXX but was opened in XXXX. I have never received any written notice from this company of any debt prior to the collection being placed on my credit and have no knowledge of owing them or XXXX XXXX as I have not lived in XXXX Florida in years.
Product: Credit card

I received a Chase Slate XXXXXXXX XXXX XXXX  on XXXX by mail, that I never applied for. I noticed it had my maiden name on it. I called the company to inquire, and noticed that there had been a {$4000.00} +/- balance transfer onto the card. I was never notified that this card was opened, nor notified that the card was even applied for. I called JP Morgan Chase to report the card, and they closed the account. I requested a free credit report, which will be sent to me within 7-10 business days. I also signed up for Chase Credit Services, via their app, which provides alerts in the future, of this sort of activity. I made a report to XXXX, and asked for my credit account to be frozen as a precaution.
Product: Checking or savings account

Hello, My capital one checking account, specifically my debit card was compromised and the account was fraudulently charged starting XX/XX/26 from various merchants out of XXXX. After reaching out to capital one several times to get updates I was told by a representative today that all my claims had been denied and the reason for that denial was that they did not follow a normal fraud pattern and I had access to the account. 

While it is correct that I had access to the account I disputed these charges as soon as I was allowed to by capital one, which was as soon as they posted. Capital one could not provide me with any more information as to why they denied the claims, what the charges were for or how they can possibly think that charges coming out of XXXX had anything to do with me. My account history clearly shows that in all my years with capital one there have not been any foreign transactions and what seems to be blatant fraud capital one took 5 days to deny the claims without properly researching the matter or gathering information from the merchants. 

My account has been completely wiped out and when I expected my bank to protect me they completely failed. 

Below are the claim numbers and amounts. 

XXXX CLAIM XXXX AMOUNT {$33000.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLAIM XXXX AMOUNT {$4900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX CLAIM XXXX AMOUNT {$4700.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$6900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never transacted or authorized any of these merchants from XXXX to charge my debit card. Capital one needs to fully investigate these charges and protect me as their customer from malicious activity. 

I look forward to a speedy resolution to this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate disputes, failing to provide a valid Method of Verification ( MOV ), and continuing to report inaccurate late payment information, violating the Fair Credit Reporting Act ( FCRA ). 

I have disputed inaccurate late payments on multiple occasions, including : CFPB Complaint # XXXX Mailed Disputes : XX/XX/XXXX ( Tracking # XXXX ) XX/XX/XXXX ( Tracking # XXXX ) XX/XX/XXXX ( Tracking # XXXX ) Despite providing supporting documentation, Experian repeatedly marked the disputes as " verified '' without actually reinvestigating the inaccuracies, violating FCRA 611 ( a ) ( 1 ). The accounts in dispute include : XXXX XXXX ( XXXX ) late payments incorrectly reported for XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX late payment XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX late payment XXXX XXXX ( XXXX ) XXXX & XX/XX/XXXX late payments Experian also failed to provide a valid XXXX  under FCRA 611 ( a ) ( 7 ), refusing to disclose : The name of the entity verifying the disputed items The contact details of the verifier A detailed explanation of how the verification was conducted This mirrors the CFPBs XX/XX/XXXX, lawsuit against Experian, which alleges the same failure to conduct reasonable reinvestigations and reliance on unverified third-party data. 

Due to these errors, I have suffered : Denied credit applications Higher interest rates Loan denials Financial harm and emotional distress I am requesting immediate correction, suppression of disputed items if verification can not be provided, and monetary relief for damages under FCRA 616.
Product: Payday loan, title loan, or personal loan

I sent a payoff check to Wellsfargo. They received it on XXXX and credited it to some other account. I have spoken to them several times with no success in getting this corrected. I have called and gone to a branch. They started on XXXX and said it would take 2 to 3 days and to day isXXXX and still getting no where with them. The loan is now 31 day late and I have gotten several calls from there collection department
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 PayPal hit me with hard credit inquiries and it said on application it wouldn't affect my credit.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the companies that I filed a dispute against XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Via Dealer XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$83000.00}, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX asked me verified the account like not mine, but there is no way i can proof sometime is not mine
Product: Debt collection

unrecognized collection account appearing on my credit report. The account details are as follows : - Original Creditor : XXXX XXXX POWERED BY - Balance : {$300.00} - Current Amount Owed : {$300.00} - Balance Updated : XX/XX/2023 - Original Balance : {$300.00} - Date Opened : XX/XX/2023 - Account Type : Collection - Status : Collection account. {$300.00} past due as of XX/XX/2023. 
- Status Updated : XX/XX/2023 After a thorough review, it has come to my attention that this collection account is in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : XXXX. XXXX XXXX : ** Our records indicate that the account has been fully paid off ( 0 % balance ), contradicting the reported past due status as of XX/XX/2023. 

XXXX. **Lack of XXXX XXXX : ** The account status was last updated in XX/XX/2023, creating a significant lapse in reporting that does not accurately reflect the current status of the account. 

These discrepancies are concerning, and we request that you investigate this matter promptly. As per the FCRA, inaccurate and outdated information on a credit report can have adverse effects on an individual 's creditworthiness.
Product: Credit card or prepaid card

On XX/XX/XXXX, I accidentally made a payment in the amount of {$1100.00} to Bank of America ( chose wrong card when using my bank 's bill pay - should have chose XXXX but chose Bank of America instead ). My balance was only {$370.00} leaving me with a credit of {$770.00}. 

I have requested a refund of this credit and spoken to at least 6-8 different persons beginning on XX/XX/XXXX. All gave me different stories on when I could expect a refund, and none of them were true. I still don't have this money. I have spoken to supervisors and specialists who were to be handling my case individually. I even received a call back from one person, who after doing " research '' indicated that I should receive a check in the mail by today XXXX. 

I don't know what else to do at this point, and their customer service is terrible. So I am turning to you for assistance.
Product: Debt collection

On XXXX I submitted a complaint through the CFPB about Capital One and their lack of compliance in accordance with consumer protection laws and bills of exchange. I am the ORIGINAL creditor and they are the assignee. Pursuant to 12 CFR 1002.2 ( c ) ( 1 ) ( i ), the term application is an oral or written request for an EXTENSION OF CREDIT and " credit '' is the right granted to a debtor to defer payment which means I did not request a cash money loan from Capital One. The complaint number is XXXX. Capital One responded in complete denial of their lack of compliance and closed my account which they do not have the power to do without my consent which is IDENTITY THEFT. They said that the " Acceptance for Value '' method of offsetting a debt payable to them with my endorsement as authorized representative wasn't good enough. My method of payment is clearly explained on the FDIC, FTC, and CFPB websites under " tender of payment '' and " bills of exchange ''. 3-603 When tender of payment to a person entitled to enforce is refused, there is a discharge to the extent of the amount of the tender. To my knowledge, banks do not loan money pursuant to 12 usc 1431 which leads me to ask, what type tender of payment are they looking for if they do not have the power loan me cash money?. Financial institutions are in the business of purchasing securities which they are not authorized to loan in their own stock. The banks are bankrupt and have been since 1933. According to 18 usc 8, the UNITED STATES XXXX is responsible for all indebtedness after it surrendered everything to the federal reserve. Capital One knows that these laws derive from the HJR 192 of 1933 when all the lawful gold was confiscated. They are also violating my privacy by sharing my NON-PUBLIC PERSONAL INFORMATION to the consumer reporting agencies without my consent according to 15 usc 1681b permissible purposes. Please help.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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