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

On XX/XX/2021, I received a text message from Experian informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXX.My heart raced as I called XXXX XXXX to see what had happened. I keep a XXXX  balance on all my credit cards,20 cards XXXX balance. When I got in touch with XXXX XXXX they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank XXXX XXXX nor XXXX XXXX. There has never been a time that I did not have {$19.00}. I pride myself on having a XXXX  balance. I knew I had no debt or thought I had no debt. XXXX XXXX reversed all charges, late fees. XXXX XXXX apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly had problems with Experian not listening to my concerns and requests to remove incorrect information regarding a XXXX XXXX  Account on my credit report. 

It was corrected by XXXX XXXX  XXXX. XXXX, and the other 2 Bureaus have removed this information correctly, Experian still refuses due to poor investigation into the matter, and no information provided. I have included the emails and XXXX XXXX  XXXX documents admitting and rectifying the mistake, with no assistance from Experian whatsoever. Please help. 

Report Number XXXX Date Generated XX/XX/2020 Your dispute results are currently not available online Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX XXXX us : ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I complained to Chase Visa about 2 charges on my card. The merchant canceled the services but did not refund the full amount, giving me partial credit. ( See attachment 1 my original complaint ). Chase Visa agreed in writing that the original charges were in dollars, therefore the refund should have been in dollars. The original charges were for {$3400.00} and {$5100.00} respectively and the disputed amounts ( shortfalls ) were {$290.00} and {$290.00} respectively. In respect of the first  claim, Chase Visa wrote to me on XX/XX/XXXX ( Attachment 2 ) stating rather bizarrely that the merchant had agreed to refund the full amount of {$3400.00} and I should see that refund on my card. I presume they meant the disputed amount of {$290.00} - and that has yet to appear. In respect of the second claim, it has been completely ignored by Chase Visa. The Fair Credit Billing Act Section 1666 ( a ) ( 3 ) ( B ) ( also attached ) requires Chase within 2 billing cycles, or at the latest with 90 days, to either 1. make corrections to my account or 2. after conducting thorough investigation, send me a written explanation of why Chase Visa believes the amounts were correct. In the case of services not delivered, Chase VISA can not construe the amount to be correctly shown unless the services were actually delivered. Chase Visa did neither of these things. Quite simply, Chase Visa broke the law.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards by chase bank. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.
Product: Credit card

We disputed charge of {$490.00} to Citibank on Merchant " XXXX XXXX XXXX '' for charge date of XXXX/XXXX/16. We mailed Citibank cover letter along with all prior documentation and providing detailed info on why we did not get the service they billed us for. Today we rec 'd letter from Citibank indicating investigation completed and they have no recourse with the merchant for this type of dispute. Citibank said they determined that the service for which we were billed was provided. They att 'd copy of old correspondence and billing from the merchant but gave no acknowledgement that they received any of our dispute correspondence where we gave specifics on not getting the service. I will provide you with all prior correspondence by attachment ( hopefully the prompt for this comes up later ) We have tried to contact Citibank to talk with someone but it is impossible because we do n't have phone # nor a contact person nor will they give me this information, even on the letters they send. I might point out that Citibank took over this dispute from XXXX XXXX as Citibank took over XXXX from costco. We have tried talking with the merchant, XXXX XXXX XXXX, but we can not understand anyone that has called us. Very heavy thick accents. We 're senior citizens and have a very difficult time understanding them. We ca n't even find out if XXXX or Citibank forwarded a copy of our dispute letter to the merchant. We sent the dispute letter to the bank as they were the ones that requested our documentation.
Product: Money transfer, virtual currency, or money service

An individual on Venmo who goes by the name XXXX XXXX on Venmo has scammed me of {$260.00} and {$290.00}. Through XXXX direct messages, he promised to send two pairs of shoes but failed to do so after frequent reminders. He also sent two tracking numbers that were fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my Equifax and XXXX credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017
Product: Mortgage

We wanted to make sure it was known that after a thorough search of options, we selected to apply for a VA Home Loan with XXXXXXXX XXXX XXXX XXXX. Everything sounded great, and there was absolutely no mention that the loan would be sold until we found it in the edocument disclosures to sign. Their online system actually scans past all of the disclosure information and sends you straight to the signature line. We had to scroll back up to read all of the information in the disclosures. ( Luckily, we did that because there were several errors. ) Needless to say, in the middle of all of the disclosures is when we found out the loan would be transferred. This is what we consider to be another shady practice of Stifel, and we think that the mortgage officer should have talked to us about the transfer up front. We should have known before we decided to lock in our rate and push forward with closing with Stifel that they would not hold our loan.
Product: Credit card or prepaid card

I opened a credit card with XXXX XXXX in XX/XX/XXXX. I never received my physical credit card. I called many times asking for the credit card and was promised it would be sent, but it never was. I was then told that that a credit card can not be sent until i don't make a payment, so i did, and the credit card was still not sent. They marked my account as past due which also affected my credit score. This is unacceptable and not professional!
Product: Credit card or prepaid card

Goldman Sachs - Apple Credit Card : Fraudulent Charges : Refuses to refund unauthorized charges. 
In violation of The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) The account is being reported to credit agencies as late but all charges on Credit Card are due to unauthorized charges which Company refuses to provided documentation from the merchant. 

I have been requesting Documentation of resolution since XX/XX/2019, Apple Card has violated its own policy 's which state that they will provide all documentation in a timely manner when requested. 

I have contacted a requested this documentation every 2 weeks from Apple Credit Card since unauthorized charges happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I currently purchased credit repair software and I ran my credit report instantly. Upon examining my report I found a few mistakes. Those mistakes being my name being misspelled, my address not being up to date and current employer not being correct as well. Knowing that these credit bureaus are responsible for millions of people inform and also knowing that they have ha habit of making plenty of errors on peoples credit report. I thought that disrupting these error would be the correct move to make.I sent my disrupts out on XX/XX/2022 and I have yet had any help with removing this information. Can you please help me?
Product: Mortgage

On XX/XX/2016 both XXXX and XXXX asked us to make a payment outside of escrow and off the HUD " so that it does n't mess up the HUD and brings down the balance needed to get an approval ''. This request was repeated on XXXX and XXXX by XXXX. 

The negotiator and the negotiator 's manager, XXXX, said that an upper level VP in USBank told him to make these requests. 

***The Vice-Presidents at USBANK are DIRECTING THE NEGOTIATOR, ESCROW, BUYER, SELLER AND ALL AGENTS IN THIS TRANSACTION TO COMMIT FRAUD BY GIVING DIRECTION FOR THE SELLER TO SEND THEM MONEY OUTSIDE OF ESCROW -- -- - AND THEREBY HIDING THE MONEY FROM XXXX .
Product: Credit card or prepaid card

Hello, I received a letter in the mail that Bank if America is removing Auto Rental Collision Damage Waiver which is a term benefit of being a card holder. I was not provided with an explanation of why this benefit is being removed or what my options are as a card holder. 

I obviously would not want to use a company that does not offer this benefit but I also do not want my credit history being affected should I cancel these cards out and seek a different bank. 

I would like an investigation done and my options provided. Customer service claim that they had no idea that Bank of America was doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS
Product: Debt collection

Never received notice to dispute.CREDIT COLLECTION SERVICE placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Product: Checking or savings account

On XX/XX/2017, I called U S Bank and ask the representative to look and see when was the 2 bill pay checks was mailed. And ask her to stop payments on the checks.

She did only one stop payment. And now I have paid 2 times to the same merchant.

The 1st presentative that I spoke to today. Told me that I could not file a dispute on checks. I called back and spoke to an other presentative today and she said that, I could. 
The fault is on the bank and the merchant employees. And they are forcing fees and payment on me .I would like the employee 's fried for this mistake. Because we do not no to how many others are con out of fees and a double payment to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent information on my credit report. I have disputed these accounts to no avail. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian via XXXX XXXX XXXX  and requested my credit file. I received an error message which described that Experian was unable to comply with request and I should contact Experian directly. 

On XX/XX/XXXX I contacted Experian directly on their website. I was prompted to input my social security number to retreive my username and a XXXX was emailed a link to my file. I have not now nor have I ever used this email address and do not know who it is. 

On XX/XX/XXXX, I tried to call 8 times to experian to speak to a human being to which I was constantly directed to an automated system which prompted me to place a credit freeze which I cant do because my numerical address doesnt correspond to the information on file. 

Checking over my two other credit files, there are some glaring issues which prompts the idea that someone is once again using my credit file illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not resolved any of the dispute sent to them
Product: Mortgage

We ( my husband and I ) refinanced our mortgage loan with CapitalOne. We closed on XX/XX/XXXX. Capitalone did not pay off our prior mortgage until XX/XX/XXXX-7 days later. We thus paid interest on both loans for a week. When I called our CapitalOne POC to discuss this, he said he had heard something about there being a glitch and delay in paying off some prior mortgages, that he would look into it, and if there was a late payoff as I described, he would reimburse us the extra interest we had paid. I then never heard back and never received a reimbursement check, despite leaving many phone messages asking for a status report and call back.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent an {$800.00} payment to a friends account on Cash App. Unfortunately it had been a few years since she used Cash App, and when she re downloaded the app she was unable to log in to the account I had sent the money to. She contacted support through the app and exchanged messages with over 10 robotic-seeming customer service advocates who kept asking her to prove her identity, which she did, but then was told information was incorrect or missing without explanation when it was not. On XXXX XX/XX/XXXX I began to contact Cash App in-app support for help refunding my money, since my friend was not gaining access to the account. I was shuffled between 8 different advocates who kept repeating the same thing, that they could not help me, and ignoring the content of my messages until finally my complaint was escalated to email support. Finally on XX/XX/XXXX a cash app support manager named XXXX emailed me saying he could not refund the payment and could only work with my friend, the recipient. I added my friend to this email exchange and she gave him a detailed account of her history trying to gain access to the account. He responded that a specialist reviewed her account and determined that they could not help her gain access to her account or the {$800.00} that I sent her and he was unable to provide further information for this particular case. A complete dead end which has left my {$800.00} locked in Cash Apps investment funds and myself unable to get refunded for this. For a company that made {$5.00} BILLION in profits in XXXX the complete lack of support is truly criminal. The support number just hangs up after an automated message saying none of the advocates are available to help, and to use in in-app support. It should not be this hard to reverse a payment, particularly when no one has received it by officially accepting the funds. 

It also should not be this hard to verify my recipients identity, to transfer the balance between her old and new accounts or to grant her access to her old account. Any reputable banking system would have been able to provide support to fix this immediately the day after it happened back in XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX  # XXXX ( charge off ) -- {$12000.00} XXXX XXXX XXXX XXXX  # XXXX ( late payment ) XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX  XXXX XX/XX/2023 TU 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 of 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

I have disputed inaccurate information on my credit report through Experian multiple times. Experian responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is XXXX XXXX from XXXX Illinois located on XXXX XXXX. XXXX XXXX claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to Experian I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts including : XXXX XXXX XXXX XXXX XXXX XXXX As well as any addresses listed should be removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report by XXXX, Experian, and XXXX XXXX XXXX, XXXX regarding Account # [ XXXX ]. 

I have identified several inaccuracies regarding this account : XXXX. Discrepancy in Last Active Date : XXXX reports the last active date as XX/XX/XXXX. 
Experian reports the last active date as XX/XX/XXXX. 
This discrepancy raises concerns about the accuracy and validity of the reported information. 

XXXX. Discrepancy in Dates Opened : XXXX reports the date opened as XX/XX/XXXX. 
Experian reports the date opened as XX/XX/XXXX. 
These discrepancies further cast doubt on the accuracy of the reported account information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Based on the discrepancies outlined above and my rights under the FCRA, I request that the account # [ XXXX ] be thoroughly investigated and removed from my consumer reports. 

Please conducte a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

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

XXXX XXXX  retrieved my credit profile to assess my chance of approval for a loan. Equifax reports that my credit score is XXXX, yet provided XXXX XXXX  a score of XXXX. When speaking to a representative at Equifax 's branch, it was acknowledged that my credit profile reflects a much higher score than what Equifax provided to the bank. When checking their online reporting as suggested by the representative, the score reports much higher than what was provided to XXXX XXXX. This discrepancy caused a denial of funds and major inconvenience for not only myself, but my business. I have previously challenged the accuracy of Equifax 's verification regarding other accounts and now have serious doubts that this was ever done. I request that Equifax be held accountable and challenge the accuracy of verification this company does regarding negative items reporting on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$18000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$230.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.