23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I was charged {$92.00} for the " XXXX XXXX XXXX Star Legend Clipper with Ultimate Wide Range Fading for Professional Barbers and Stylists. '' The item arrived damaged and defective. I contacted XXXX on XX/XX/year>, and was instructed to keep the product. I was also emailed that I would be refunded {$87.00} for the product plus {$4.00} in taxes, totaling {$92.00}. However, I did not receive the promised refund. 

I filed a dispute through WellsFargo.com on XX/XX/year> and provided a copy of my email confirmation from XXXX indicating that I would be refunded a total amount of {$92.00}. I answered every question emailed to me by Wells Fargo XXXX, but my dispute claim was denied and closed with no explanation. 

I have emailed Wells Fargo several times at the provided address ( XXXX ) but have not heard back from anyone. I also called Wells Fargo Disputes at XXXX multiple times and was connected with agents in the XXXX. I attempted to explain my situation to them, but due to language barriers, they often did not understand, and I had to re-explain the issue multiple times. When I realized there was a language barrier, I asked where I was calling, and they confirmed it was the XXXX. I then politely requested to speak with a XXXX agent but was met with pushback. They informed me that their protocol was to transfer me to a XXXX, and they refused to transfer me to a XXXX representative. 

The last time I attempted to resolve this situation with Wells Fargo was on XX/XX/year> at XXXX A.M. MST, and I encountered the same issue with a representative in the XXXX. I believe this should be an easy dispute to resolve. There was XXXX charge on XX/XX/year> for {$92.00}, and I have an email confirmation from XXXX stating they would credit me back {$92.00}. However, I did not receive the refund. 

This is not a complicated dispute, but the hurdles of speaking with offshore representatives in a different country who do not understand the situation are creating significant barriers. I have done my due diligence by emailing several times and attempting to explain the situation to representatives in the XXXX, but I am getting nowhere.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Charge-Off XXXX XXXX XXXX XXXX  Account Number : XXXX... 
Account charged off. {$380.00} written off. {$380.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to XXXX XXXX XXXX XXXX with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX charge-off. 
Correct or remove the inaccurate past due balance associated with this charge-off from my credit report.

Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience.

Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. 
It is the result of my personal information being stolen and used without my authorization or knowledge I am a victim of identity theft : 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 
Please block and/or delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a " Collection '' on my account with no company name specifying where the debt came from. It is just described as " collection ''. It has multiple wrong dates and it even says that the " customer disputes account information '' but there is a lot of information missing. I can not verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian Credit Bureau for their failure to adequately investigate a dispute I raised concerning my credit report, and their subsequent denial of my attempts to address this inaccurate reporting. I believe that Experian 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues : 1. Failure to Properly Investigate Dispute : I filed a dispute with Experian several times regarding the following account : Account info Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$11000.00} Account info Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$18000.00} I have never been late paying this account and this account has never been in collections. 

Despite my efforts to provide relevant information, Experian failed to conduct a thorough and proper investigation. 

2. Failure to Provide Verification Documents : In accordance with FCRA, upon disputing a particular debt, I have the right to request and receive documents that the credit bureau uses to verify said debt. I made this request in writing several times since XX/XX/XXXX, but as of XX/XX/XXXX, Experian has not provided these documents. 

3. Denial of Continuation of Dispute Process : Despite the discrepancies in my report, Experian has denied my attempts to further dispute the inaccurate credit reporting. This has not only affected my credit score but also potentially limits my financial opportunities. 

Violations of Fair Credit Reporting Act : 1. Section 611 ( a ) ( 1 ) : This section mandates that upon the receipt of a dispute, the credit reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' Given my experience, I believe Experian did not comply with this requirement. 

2. Section 611 ( a ) ( 2 ) ( A ) : Following a dispute, credit reporting agencies are required to provide notice of the results of the investigation to the consumer. I was not adequately informed of the specifics of their investigation or the reasons for their conclusions. 

3. Section 611 ( a ) ( 6 ) : This section emphasizes that a consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. Experian 's denial of my continuous attempts to dispute violates this provision. 

4. Section 609 ( a ) ( 1 ) : This section asserts that if a consumer requests information on them held by a credit bureau, the bureau must disclose it. Experian 's failure to provide me with the requested verification documents contravenes this provision. 

I urge the Consumer Financial Protection Bureau to investigate these matters and ensure that Experian abides by the laws set forth by the FCRA. This is crucial not just for my personal interests, but to ensure the integrity of the credit reporting process for all consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account attached has been removed many times, over the course of many years and keeps getting reposted by 2 fraudulent collection agencies, NATIONWIDE RECOVERY SYSTEMS and XXXX XXXX XXXX. This company has been reposting a false account for many years. I file a dispute and it is removed and then they repost it again. Sometimes the very next day. They're are 2 different companies that do this it seems. They take turns harassing me and hurting my credit report, especially since the covid pandemic started. they have been non stop posting to my XXXX account and probably many others because they know people are desperate to get EIDL loans and SBA is checking that reporting company.
Product: Credit card or prepaid card

Synchrony closed my account without any warning. Account was up to date, was never late always paid early. Closing my account is negatively affecting my credit score when all I have been is a positive customer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Transunion, I am writing to dispute several unauthorized hard inquiries listed on my credit report, which I believe to be inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ). Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize nor are they associated with any accounts on my credit report. These inquiries are inaccurately affecting my credit score, and I request an investigation into these items with the expectation that they will be removed from my report. 

Below are the details of the unauthorized hard inquiries : XXXX XXXXXXXX XXXX XXXXXXXX -Dated XX/XX/2023 XXXX - Dated XX/XX/2023 I affirm that I did not authorize these inquiries and have no knowledge of them. As mandated by the FCRA, I request that you conduct an investigation within 30 days of receipt of this letter to verify these inquiries. If these inquiries can not be verified as authorized by me, they should be removed immediately from my credit report as per the FCRA requirements. 

Please inform me of the outcome of your investigation at your earliest convenience. 

I appreciate your immediate attention to this matter. Should you need any further information from me, please do not hesitate to contact me at XXXX. 

Thank you for your cooperation. 

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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX  ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! 

Haven't received a response from the Bureaus in over 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to investigate my account Wells Fargo. Account number : XXXX. On XX/XX/XXXX, I got a court letter mentioned that I still had outstanding balance with total amount {$11000.00}. On that date, Wells Fargo illegally withdraw my money from my account without going to the court system. I am so depressed now because I need to have this money to take care of my family. Please I want to get my money back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late. 

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. 

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Mortgage

Fay servicing held my mortgage for only 7 months then sold it another servicer and .still shows as an open acct on my credit report called them and they said they purged all info off their computers and have no info on me? 
XXXX is the exact representative assigned to my account her name is XXXX XXXX need thim to report account is transferred not with them anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint about being ignored. This is false reporting misleading reporting information please delete.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Debt collection

I reached out to Capital One to pay my debt and was told they sold it to : XXXX XXXX XXXX attorney in California. I did some research and found out that they filed a lawsuit and submitted for a judgement without my knowledge or serving me. I attempted to contact this company 11 times over the course of the month and they dont return my calls, and the two times the secretary answered I said I want to pay my account she said shed transfer me to complete and hung up. They are falsifying information and not accepting payments to increase fees fraudulently. I made several high-level folks at capital one aware so they have full knowledge with the following email to which I have yet to receive a response : ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of Capital One corporation. The email below : I was a credit card holder for almost 10 years and still have a capital one Bank account. short backstory during the economic downturn a few years ago I unfortunately could not pay and my credit card charged off. I am however getting things back together and called Capital One to make payment to cure my debt however it was sold to a company called : XXXX XXXX XXXX attorney. I've made multiple attempts to speak with them with no success. I included their yelp review because a company like this is bringing down your brand as a company to do business with. I was told this company does not respond ; they wait it out to collect additional fees and practice very unethical behavior when consumers are attempting to make good. I am asking you for help. Please recall this account from them and let me pay it directly. Also review their XXXX reviews attached and see how their unethical practices are tarnishing Capital One 's reputation especially with minorities as it may be better to look at a company that actually returns phone calls. 
I have also included my account number and phone number for response. Thanks in advance https : //XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed a several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX 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: Debt collection

This company keeps calling me about a loan that is not lying over 2 years ago I 've asked him to produce documentation about this but you go along and make sure this they have not yet company keeps calling me about a loan that is not mine over 2 years ago of asked him to produce documentation about this but you alone and they to this day have not yet and they keep calling leaving nasty messages threatening to XXXX jail soon me they calm every once house
Product: Mortgage

I have XXXX hard inquiries from Safe Rent ( XXXX XXXX XXXX ) within days, XXXX of which was unnecessary
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX 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: Debt collection

Duvera Billing Services Is reporting a account on my all three of my credit reports which is XXXX, XXXX  and XXXX that dont belong to me. The account is showing a open status of XX/XX/XXXX and have a balance of {$1000.00}. I have reached out to this company XX/XX/XXXX and did not get any help to resolve the issue.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX : {$1100.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to reflect 4 American Express credit cards that I am individually responsible for, despite connecting my American Express account to their " boost '' program and submitting additional paperwork from American Express that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with XXXX to resolve this problem. XXXX suggested I contact American Express, which I did. American Express provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to XXXX on XXXX. American Express claimed they were going to " re-send '' my credit data to XXXX but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my American Express account with XXXX 's boost program, which uses a third party to search my credit cards for utilities and other bills. XXXX was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking XXXX to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.
Product: Money transfers

I made XXXX one-time purchases for digital products through XXXX app using Paypal. My payment method at Paypal for " store purchases '' was set to XXXX, but " subscriptions '' was set to my checking account. What happened is that my one-time purchases through the XXXX were charged as subscriptions, resulting in XXXX NSF fees on my checking account. Paypal then attempted a second round of ACH transfers for the same XXXX charges, resulting in another XXXX NSF fees for a total of XXXX NSF fees. 

Paypal provided a " bank letter '' stating that the ACH drafts were unintentional, but the bank ( XXXX ) would only remove XXXX of XXXX fees. Paypal would not accept responsibility for processing the one-time store purchases as " subscriptions '' and would not refund the remaining XXXX fees, but they gave me credit for XXXX as a courtesy. 

The issue here is that XXXX is billing one-time store purchases as " subscriptions or automatic payments, '' and Paypal is aware of the issue but does nothing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent inquiries on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.