23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is a Neiman Marcus store card held through CapitalOne Bank XXXXXXXX XXXX. The account is only a few years old. In 2017 I was behind on the monthly payment and CapitalOne would not assist in bringing account current so have late fees and compounding interest. As a result, over 24-months, I have paid {$15000.00} in interest and fees to CapitalOne Bank against a {$20000.00} Neiman Marcus store account ( principal amount owed to NM is unchanged ). Even after I closed my XXXX and wired CapitalOne the money, the bank did not help. Once current, I can afford the XXXX XXXX monthly payment. Again, today, I requested help to bring the account current and was told that no help is available. Even after I explained that I had income loss, they did not assist. Each time I sacrifice, CapitalOne pockets the money. There must be an agreement that can be reached to that I can continue to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted an investigation request to the credit bureaus on XX/XX/XXXX. Over thirty days  have past, but XXXX and Experian have not responded yet. I am attaching a copy of the request we sent on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal laws and my rights as a consumer.
Product: Debt collection

I first explained to the office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my financial situation on XX/XX/XXXX. 
At that time, I had been XXXX free for two years, recovered from a 35-day Govt shutdown and a setback from COVID-19. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that they had tried to contact me and work with me, but they had not heard from me. Which is not true. I had just contacted them two weeks prior in writing. I had contacted the original creditor 8 times for XX/XX/XXXX XX/XX/XXXX. All those communications were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, to say I was not communicating was just not true. 
The correspondence I sent on XX/XX/XXXX, was opened, and returned by their offices, On XX/XX/XXXX. I proposed a payment arrangement and sent a {$25.00} money order as a good faith jester. That money order was not returned. I assume it was cashed. I was expecting a written confirmation of acceptance of the arrangement or return of the payment with alternative terms. To the contrary they seized the funds without any notification. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX garnished my checking, savings, and an account that belong to my daughter in the amount of {$3000.00} without any notification. 
This garnishment left me with no money to pay other obligations. 

I would like the garnishment returned and a reasonable payment arrangement to be made in writing.
Product: Credit card or prepaid card

The company was fraudulently claiming to be Destiny Master card, asked for my id information. Faxed License and SSN card to them. I am worried that is is an identity theft scam.
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 ITEMS. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

CFPB, The FCRA affords individuals a private right of action that can be pursued in federal or state court against CRAs, users of credit reports, and furnishers. In certain circumstances, individuals can obtain attorney 's fees, court costs, and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is incorrect never filed for bankruptcy
Product: Checking or savings account

I am filing a complaint with the CFPD regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-2017 I XXXX XXXX contacted equifax and XXXX  about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted equifax and XXXX in a final attempt to get them removed. I spoke with XXXX and a rep from XXXX who said they would dispute all inquiries instead for an authorized one from XXXX XXXX made on XXXX/XXXX/2017.
Product: Debt collection

I received a phone call at the beginning of XX/XX/XXXX from a man identifying himself as an employee of Lake City Credit. He said he was attempting to collect a debt from a company called XXXX XXXX. 
I explained to him that I had paid another company a portion of that debt before realizing that they did not in fact own that debt and that I suspected this company, Lake City Credit had acquired that illegitimate debt. 
He refused to acknowledge this possibility and threatened to report me to the credit bureau for being delinquent. 
I told him that I did not want him or his company contacting me again. 
I received a bill from this company about a week later. 
I wrote to them on XX/XX/XXXX declaring that they leave me alone other than to prove that they owned this debt and had a legal claim to collecting it. 
They responded with a list of payments and dates that I had made to a different company in XXXX. There was no statement from XXXX XXXX, or any other company. 
I received an invoice from them on XX/XX/XXXX, stating that if I pad {$610.00} immediately they would delete my account from all three credit bureaus. This account is not listed on my credit report. It is not legitimate, they are trying to cheat me out of money based on a credit card that I had over 20 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked multiple times for the original credit applications for these inquires and nobody can provide them. 
These inquires are not mine and Equifax customer support refuses to fix false information. 
Does Equifax report false information? 
These are the inquiries below. 
( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXXXXXX XXXX XX/XX/XXXX ) These need to be removed they are fraud!! 
Your customer support hangs up on customers when they ask for a manager to help assist, they refuse to be recorded due to shady practices, wont give you employe identification to hold them responsible.
Product: Mortgage

We are the seller of the property. Appraisal for property with accepted offer of {$330000.00} came in at {$310000.00}. Comps used were XX/XX/XXXX/XX/XX/XXXX when the most comparable property sold XX/XX/XXXX. Our home was listed XX/XX/XXXXand closed XX/XX/XXXX. The appraisal was incorrect and we sent detailed corrections to the First National Bank XXXX, PA XXXX XXXX Asst VP XXXX and requested corrections be made. The appraisal had many inconsistencies and contradictions. No value was given for 10 items. The appraisal stated that the neighborhood value of homes were consistent and appraisals generally fell no less than 5 of purchase price. In the Opinion of Site Value, he gave the home a value of {$390.00} ,XXXX and then said it was not a consideration for the appraisal. He stated no improvements were made in 15 plus years and the home is 4 years old. We contacted a real estate attorney for a consultation. The attorney agreed that we had no true value of the home. In addition, when an appraisal is contested, another appraiser does the appraisal. We offered to pay for the second appraisal but the bank chose to use the same appraiser. The bank Underwriter accepted the false appraisal and accepted the appraiser 's refusal to make ANY corrections to the appraisal. We asked for this in writing and were refused. 
However, we do have phone and emails on the matter plus supportive documentation. Although there is no proof, the attorney said that these refusals can give the perception of collusion. I spoke with a local WV bank and was told they have never had an appraisal come in that far below the selling price and they assured me they would never provide a mortgage loan based on a false appraisal. Most disturbing was Mr. XXXX XXXX absolute determination to not review, discuss, or correct ANY of the items that were pointed out. He knowingly submitted a false appraisal. And in return, the First National Bank knowingly accepted the false appraisal. This can not be a viable or legal practice. We felt backed into a corner by all parties involved. We felt bullied and did not feel anyone had any interest in the outcome other that the money they stood to receive. We have no idea of the connection of XXXX XXXX XXXX relationship with the bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent a money transfer to my mom in XXXX via Western Union. I sent a total of {$150.00} ( US Dollars ) to be received in US Dollars. My mom went to pick up the money at 4 different Western Union locations and none of them wanted to give her the money in US Dollars, they all wanted to give her Soles ( XXXX 's currency ), supposedly because they didn't have any dollars available. My mom gave up and accepted the Soles only to find out that they gave her an exchange rate of 3.10 but the local exchange rate is currently 3.32, so she received a total of XXXX soles instead of XXXX soles. This is a difference of XXXXsoles, which is about {$10.00} ( US Dollars ). When I received the notification that the money was picked up, it said they received {$150.00} ( US Dollars ) which is a lie since they received Soles not Dollars. Now, {$10.00} to me is not much, but it is a lot of money in XXXX and this was a Christmas gift that the agent in XXXX stole from my family. Also, I paid {$11.00} towards fees for this transfer, so in reality, I paid {$21.00} in total fees after this whole mess. I put a complaint with Western Union and after over a week of " investigation '', they called me to say the agent showed proof they gave {$150.00} ( US Dollars ). Unfortunately my mom lost the receipt so I have no way of proving they are lying but I still wanted to put the complaint because this is just so unethical. My family and I have been using Western Union for many years and this is the first time we ever put a complaint against one of their agents, and it was very disappointing that they will not do anything for a loyal customer and let these agents get away with this kinds of acts that are giving them a bad reputation. My family and I will not be using Western Union again.
Product: Mortgage

In XXXX or XXXX of XXXX 2015 my mortgage company, XXXX, informed me that Green Tree, now Ditech would be takingover my mortgage, letter stated payments prior to XXXXwere still to be made to XXXX. Payments made after XXXX of XXXX were to be paid to Green Tree/Ditech. In XX/XX/XXXXI started receiving statements from Green Tree/Ditech thatI was behind XXXX payments, I talked to an accountrepresentative and was told that it looked like XXXX and XXXXpayments had not been forwarded to Green Tree/Ditechfrom XXXX. Now it is almost XXXX, Green Tree/Ditech claim they do not have those payments. However, Green Tree/Ditech have received my XXXX paymentsmade out to them. They have been applying those pymtsback to XXXX which still makes it look like I am behindXXXX payments. I need this cleared up immediately. I can providecopies of the checks, signed certified return signature cardsand copies from the bank where those payments cleared the babank from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple 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 items : XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the XXXX credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within XXXX business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at ( AXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and XXXX XXXXXXXX account count opened at XX/XX/XXXX account number ( XXXX ) XXXX Bank XXXX XXXX XX/XX/XXXX account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) XXXX Opened date XX/XX/XXXX account number ( XXXX ) that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the afo consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX XXXX 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 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

The attached Dispute was provided and ignored. 

Proof of identification from Category 1 Social Security Card and Category 2 Drivers License was supplied and ignored in previous dispute request. The previous submission is attached. The Category 1 AND CATEGORY 2 PROOF IS INCLUDED IN THE LAST PAGES OF THE LETTER AND ATTACHED TO THIS COMPLAINT. 


THIS IS NOT A REPORT OF IDENTITY THEFT Experian has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$1000.00} Creditor : XXXX  XXXX XXXX - Account : XXXX BALANCE {$8500.00} Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) Creditor : XXXX XXXX XXXX   - Account : XXXX BALANCE {$3500.00} Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very XXXX. I sent XXXX letters to them asking for removal of unauthorized account
Product: Student loan

I am experiencing financial difficulties repaying my loans due to my husband also having student loans. I was approved for deferment prior and now I have XXXX Income Contingent DL - Consolidated loans. I was not given any options. I attended XXXX XXXX XXXX, XXXX, TX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelle handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, my financial institution and Zelle failed to Investigate my claims adequately. They informed me that recovering lost funds is impossible and tracking is unavailable. The CFPB findings indicate that Zelle has not only neglected customers, but has also allowed repeated offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is concerning. It is unacceptable and raises, serious questions and concerns.