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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 or other personal consumer reports

I have disputed these account for the last three months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.
Product: Credit reporting or other personal consumer reports

Milestone XXXXXXXX XXXX  That wasnt me who applied fruad
Product: Checking or savings account

On XX/XX/18, I initiated an instant transfer from XXXX to my Checking Account with Capital One 360 in the amount of {$700.00}. This transaction, as intended, posts instantly. The funds were in my account on the day of XX/XX/2018. 

Upon reviewing my account and preparing to pay rent, the funds are no longer in my account. On XX/XX/18, I contact XXXX to investigate. XXXX informs me the money was in fact deposited into my Capital One 360 account. I immediately contact Capital One 360 and speak with a manager ( XXXX? ) who was not helpful. He never offered the ability to investigate and he could not see the transfer on his end, either. On XX/XX/18, XXXX sends me an email with detailed transaction information that should assist my bank in locating the missing funds. I contact my bank on XX/XX/XXXX and speak with a representative ( name? ) and provide her the details. She places me on hold, and after 20 minutes, the call disconnects. I call back and speak with a manager named  XXXX. XXXX begins to file an investigation request. Upon learning that the transaction would have posted as an " original credit transaction '' and not an ACH transaction, she is no longer able to submit the form to investigate and I will " have to send them a detailed email with the facts and someone should get back to me within ten days. '' I submitted the email on XX/XX/18 and do not expect to receive a response. I have had to utilize their email in the past to communicate and have yet to receive a response regarding any of my past grievances. 

So now, XXXX can not take responsibility because their records show the money successfully arrived in my account. My bank, Capital One 360, will not take responsibility nor can they investigate the transaction. Now I have late on rent and will be assessed a {$180.00} late fee as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and Experian credit score dropped XXXX to XXXX points without proper explanation. The information given on my credit scoring is conflicting information. I disputed my credit report on XX/XX/2022 and XXXX closed the dispute on XX/XX/2022. Wow they really did a thorough investigation in less than 24 hours? I have submitted several complaints about the discrimination and violations in which I have received from XXXX per my credit report. I will be also making another complaint to the FTC. Its time to seek legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the credit reporting act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Debt collection

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe inaccurately reflects my credit history. The late payment pertains to my account with XXXX XXXX XXXX, account number XXXX. The bank failed to send a statement in time to establish payment. And I received a statement after 30 days past due. I promptly contacted XXXX ( XXXX XXXX XXXX ) to rectify the missed payment. Unfortunately, they provided no satisfactory resolution and failed to take responsibility for the delayed statement delivery. They suggested filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) as the only recourse. 
I believe it is unjust for this late payment to impact my credit report. It resulted solely from the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure timely payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to have a credit card but when they Check my credit they told that my information is wrong that doesnt match with the one they have on sistem. I received a letter from TransUnion to verify my info as is all wrong
Product: Checking or savings account

Attempted an ATM withdraw at Valley National Bank, XXXX XXXX XXXX XXXX, XXXX, FL. ATM stated transaction complete, card was not returned, cash was not dispensed. Entered bank and requested card and verification that my account had not been debited. Bank employees were unhelpful and rude. ATM was being serviced but had not been turned off to use. Eventually gave my card back and verbally claimed the money had not been debited. I immediately checked my online account where it showed the money and the ATM service fee had been debited from my account at XXXX XXXX XXXX. Bank employees kept repeating You are not our customer, we can not help you. Have begun dispute process with my bank.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status.

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the 1099-C to the address above or via email.

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I applied for an Apple card on XX/XX/XXXX, -although I had a credit score over XXXX and only using 15 % of my available credit, I was only given a {$2000.00} line of credit. 
On XX/XX/XXXX, I requested a credit line increase, again my XXXX score was XXXX, my XXXX score was XXXX ( excellent ) My XXXX  score XXXX. My XXXX score of XXXX was used and I again was denied a limit increase. 
More importantly I am currently only using 4 % of my available credit, which is confirmed by my credit report. Only reason Goldman Sachs has given for denying me is that I had too many inquiries. 11 total over the last 2 yrs with 5 of them in XXXX. 
Many of these inquiries were NOT to obtain credit. Also 3 of these inquiries from XXXX were for accounts I immediately closed. The reason banks look at inquiries as a negative is that it COULD signal someone in financial trouble and shopping around too much for credit. One look at my credit report and any high school student can see that is not the case with my credit history. 
I am going to provide an explanation of each inquiry that should have NO bearing towards my credit because those accounts were either closed, were the result of opening a checking account or car shopping and by doing so request a reconsideration from Goldman Sachs for a credit line increase. 
I am using this platform to have an accurate record of this process because I believe I am being discriminated against for reasons currently unknown to me. 
XX/XX/XXXX, XXXX XXXX XXXX  was for an auto loan- which I did not establish a line of credit. I decided to pay cash for the car. 
XX/XX/XXXX- XXXX XXXX inquiry was from opening a new checking account. I had previously closed all my accounts with XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX was for a car- which I did not establish a line of credit. I decided to pay cash for the car. 
XX/XX/XXXX XXXX XXXX XXXX XXXX I closed this account XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX  XXXX - I refused the credit- interest rate was not what they initially promised. 
SO the reality is that I have had 2 inquiries in XXXX that have established any credit and 5 inquiries total over the last 2 years. 
Again I am using only 4 % of my available credit I have no mortgage or car payment and my total cost of living is only 30 % of my monthly salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, on XX/XX/18 I contacted by phone and online Experian, XXXX  and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

I applied for an Amazon Store Card. I feel like I am getting the run around from them and that I have an unnecessary inquiry on my report ( XXXX ) because they continue to deny me. They pulled my report. My score is a XXXX. I have no negatives on my report and no one can tell me why. XXXX  can't tell me and Synchrony can  not tell me. If they are not going to approve me, I would like to know why. I spend a lot of money with them and I would like to have a card through them, but I don't understand why I keep being denied. The automated system is flawed and they should have some type of manual review for cases like mine.
Product: Checking or savings account

I made XXXX deposits into my account on XX/XX/year> at the ATM, during the transaction a notice appeared advising the deposits would be put on hold until XX/XX/year>, without giving me the option to cancel the deposit, therefore I no option in retrieving my checks back and was FORCED to continue the transaction. Chase bank then advises me that they could not " verify '' the checks using a phone number from the banks own proprietary verification system and they will not be proving me with my funds. After numerous attempts to have Chase rectify this matter they continue to hold my funds, a bank supervisor stated to me " we know the funds have cleared, we have received the funds from the Federal Reserve but unless we can contact the maker from a verified number using our system, you won't be getting the money. I was advised to have the maker issue a stop payment on the items, which is not possible and even if that were possible the funds have already been paid by my client 's bank which was XXXX XXXXXXXX XXXX and XXXX XXXX. Chase Bank is breaking the law and is causing me severe irreparable financial harm and they should not be allowed to continue this as I am just XXXX of many people that XXXX does this to, and this is not a " Fraud prevention '' measure which they claim as the supervisors I have spoken to clearly stated on recording that the funds have cleared, and they know it.
Product: Credit reporting or other personal consumer reports

I am experiencing repeated lease denials due to issues with my Experian credit report. Experian 's inability to provide effective customer support and their lack of accessible online services are unacceptable. It is unfair and cruel that I can not access or manage my own information and must rely on an unresponsive company for approvals. This situation not only reflects Experians inadequacy in handling consumer information but also constitutes a violation of fair housing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acountff i need accurate data points I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance {$11000.00} {$11000.00} {$11000.00} Credit Limit {$11000.00} {$11000.00} {$11000.00} Credit Utilization 101 % 101 % 101 %
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX  Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX  XXXX Inquiry from XX/XX/XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I've issues with PNC 's shady practices in the past so I've been taking screenshots of my account. My account was around {$66.00} XX/XX/XXXX and XX/XX/XXXX I wake up to a negative {$53.00} balance. I have screenshots of my account that doesn't at all indicate that my account would be negative or that there were any amounts coming out today. 

I contacted PNC bank and was immediately transferred to a manager stating she couldn't guarantee that I wouldn't be charged an overdraft fee of {$36.00} usd for three charges. That would cost me around {$100.00} dollars. They tried this same thing before and after I explained my situation they waived XXXX overdraft fees. I didn't press the subject and decided to keep better tabs on what funds would be coming out and STILL they pull this XXXX. People are struggling to pay rent and keep gas in their car, we can not afford for banks to keep doing XXXX like this. I'm going to continue fighting these charges until they give me money back, if they process an overdraft fee. I check my account and take screenshots several times a week because this gives me anxiety. Right now I can not afford this.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the presence of incorrect hard inquiries and inconsistencies on my credit reports with XXXX and XXXX. Despite my repeated attempts to dispute and address these issues directly with the credit reporting agencies, I have encountered limited response and no satisfactory resolution. I urgently need all incorrect hard inquiries and inconsistencies removed from my credit reports without further delay. 

Details of the Complaint : Incorrect Hard Inquiries : My credit reports with XXXX and XXXX contain hard inquiries that are either incorrect, not associated with me, or lack accompanying information. 
These incorrect hard inquiries are negatively affecting my credit score and creditworthiness. 
Inconsistencies : Inaccuracies and inconsistencies are prevalent throughout my credit reports, affecting account information, credit utilization, and payment history. 
These inconsistencies are causing substantial harm to my credit profile. 
I kindly request that the Consumer Financial Protection Bureau intervenes in this matter on my behalf to help expedite the removal of these incorrect hard inquiries and rectify the inconsistencies present on my credit reports with XXXX and XXXX. Accurate and reliable credit reporting is essential to my financial well-being.
Product: Bank account or service

Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXXand when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Product: Credit card or prepaid card

on XX/XX/2023 I booked a flight from XXXX to XXXX ( start date XX/XX/2023 to return date XX/XX/2023 ) using my chase credit card reward points on chase travel web portal. Chase gave me the confirmed ticket and charged me XXXX $ ( including XXXX reward points ). next day I get a call from Chase bank saying that my ticket to XXXX is not confirmed by airline, asked me to call back to Chase travel assistance, I called the Chase travel assistance and they said : chase has not got the confirmation from one of the connected flight from XXXX to XXXX and I have to rebook the ticket by cancelling current ticket. but chase is not responsible to pay any extra cost to rebook the ticket. but the new ticket price has increased now. here chase gave me the confirmation ticket without getting the confirmation from airline, I asked the same to travel assistance, she said she can not help me here. She agreed that its chase 's mistake which provided me confirmed ticket without getting confirmation from airline.
Product: Credit card or prepaid card

I requested a credit line increase today XX/XX/2022 and when I received a denial letter Capital One used a a credit report and credit score that is more than 60 days old ( XX/XX/2022 ). This is a discriminatory act. You can not base a financial decision today on in accurate information. Over the course of 60 days ( 2 credit reporting cycles ) many things can occur. Therefore, it seems illogical that a decision today is based on stale-dated data. 

I called Capitalone to request some assistance in reviewing their credit policies, and they stated they can base their decision on old data and that there is no solution to this issue. They can make a credit decision today based on credit data from 6 months ago. I requested to raise a complaint and requested a ticket number for tracking purposes and they said that its all internal and they notate the account. I asked for the compliance or legal department to address my concern and was advised they dont have one, and that all matters could only be resolved by customer service. 

The REP ID : XXXX Date of call XX/XX/2022 Time of call XXXX EST I believe the actions taken by Capital One are discriminatory and are not in compliance with the Equal Credit Opportunity Act ( ECOA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company   formerly Sierra finance. This information was given to XXXX and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.