23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. XXXX, Equifax, and XXXX have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit card or prepaid card

MasterCard ( Savor Card ) ; issued by Capital One Bank. This card has a {$500.00} credit limit. On XX/XX/XXXX the cardholder submitted purchase Dispute / Claim ( # XXXX ) against Merchant for {$150.00}. Capital One Card Protection services within Card Investigations are ( an offshore call center ). Capital One does not provide a direct line of communication within back office decision makers referencing consumers complaints nor does it provide direct access in order to dispute 'MasterCard decisions '' when it comes to consumers line of credit, transaction disputes, and providing adequate digital forms of communication. Cardholders with legitimate disputes are regarded as low priority compared to 'fraudulent claims ''. Capital One offshore disputes and resolutions services are inadequate and counterproductive in solving legitimate consumer claims. The process is level 1 or level 2 in terms of resolutions. Given Capital One has an arcane version of communication, there seems to be no real relief to cardholders nor does it mean positive outcomes. In the Case Dispute as mentioned above ; Capital One, opted to provide a provisional credit for a period of ( 10 ) days back to the cardholder ; however reversed the credit back to the cardholder, when they received a letter from the Merchant 's Terms and Conditions and its buyer Policy. Capital One didn't investigate the dispute, didn't request Merchant to provide proof of services, nor proof of refund if any. Cardholders are left to spend hours to clear up 'bogus purchases ' taken by illegitimate merchants, scam merchants, merchants who provide high-resolution advertising and seduce consumers to make purchases for services that will not come to fruition. MasterCard card services must investigate thoroughly those purchases made by merchants who seduce, entrap, falsify, scam consumers by means of credit card transactions via online. In this case Capital One didn't resolve the dispute nor provided cardholder with positive outcome ; instead charged cardholder back the amount and didn't accept cardholder 's documents nor explanation.

The purchase made by the cardholder to receive services by the Merchant were bogus ; cardholder didn't receive goods or services ; instead received documents from the merchant stating a refund would be applied back to the card ; and later advised a paper check would be mailed since XX/XX/XXXX. XXXX has exhausted attempts to work with Capital One ; each time the call center and/or provide insufficient information.
Product: Checking or savings account

Here is a letter I am sending to Marcus : I am writing to complain about a serious customer service issue. My mother listed me as the beneficiary on her Marcus account. She passed away on XX/XX/2022. I sent you her death certificate before the end of XXXX, but I still do not have her funds. The death certificate was returned to me promptly after I sent it, but with no note or explanation. I have called numerous times to follow up, and each time I call I am told it is pending. Each person I speak to is very sorry for my loss, yet in this period of grief, I am having to deal with the nightmare of getting the funds. 

One time I was told the transfer was delayed, but they wouldnt say why. I was told it could possibly be due to any number of reasons, such as something about the name ( I changed my name after having gotten married this past XXXX ), or money had been moved after the date of death. More recently I was told on two separate occasions that the money would be transferred the next day, but it still has not been transferred. 

Each time I call, I am told I will get a return call no more than 24 hours. One time I was told I Id get a call in 2 hours, but I never get a call. This should not be so difficult, as I already have an account with you, so you just need to transfer the funds. Other financial institutions have settled their accounts with my mother over a month ago. If this can not be resolved quickly, I will submit my claim to the CFPB and your regulators, or I may have to file a lawsuit.
Product: Credit reporting or other personal consumer reports

I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. I ask you to remove this account from my report ASAP : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting false and inconsistent information across Experian, XXXX XXXX XXXX, violating the Fair Credit Reporting Act ( FCRA ). 

1. Inconsistent & False Credit Reporting XXXX XXXX is reporting different balances, payment statuses, and account details to each credit bureau, which is inaccurate and damaging. 
These discrepancies have caused my credit score to drop by over XXXX XXXX preventing me from securing housing, financial opportunities, and essential services. 
Their failure to provide accurate and consistent data has directly harmed my financial well-being. 

2. Unauthorized Fees & Account Lockout XXXX XXXX locked me out of my account, preventing me from making payments and forcing me into delinquency. 
They demanded I pay over the phone but refused online payments or other methods, which is unfair and deceptive. 
They added over {$360.00} in fraudulent late fees, pushing my balance beyond my credit limit. 
They refused to issue a replacement card after my wallet was stolen, causing further financial hardship. 

3. Fair Credit Reporting Act ( FCRA ) Violations Compensation Request XXXX XXXX has violated the FCRA multiple times by failing to provide accurate reporting, refusing to investigate disputes, and engaging in unfair financial practices. 
I am requesting {$1000.00} per violation, as allowed under the Fair Credit Reporting Act, due to financial harm, credit damage, and emotional distress. 
I demand : 1. An immediate CFPB investigation into XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
2. Full removal of all false credit reporting from Experian, XXXX XXXX XXXX 
3. A refund of all unauthorized fees and over-limit charges. 
4. Compensation of {$1000.00} per violation for financial, emotional, and housing-related damages. 

XXXX XXXX  deceptive actions have caused extreme hardship for me and my XXXXXXXX XXXX, and I demand an immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,
Product: Credit card or prepaid card

Re : Fraudulent use of our American Express card by the merchant : XXXX XXXX XXXX on XX/XX/XXXX, and AMEX refusal to correct it. 
AMEX card charged : {$820.00} The company XXXX XXXX XXXX has double-charged our company for a single stay in their XXXX XXXX, CA location ( XXXX ) XXXX. The manager is XXXX XXXX of that location. We have complained about this to the American Express credit card company regarding this, but they have ignored us and are forcing us to pay for both amounts, refusing to look at the fact that we have NOT authorized the second charge, thus making it fraudulent. To this day the American Express and the Merchant refuse to give us any proof of purchase for the second charge ( double charge ) but have forced us to pay. 

History : On XX/XX/XXXX, our company has made a purchase for a seven-night stay ( from XX/XX/XXXX XX/XX/XXXX ) at the XXXX XXXX XXXX XXXX XXXX, CA location hotel for one of its employees. We subsequently have gotten a confirmation email and were happy with the purchase. 

To our bewilderment, the next day, the American Express messaged us that the large purchase has been made for another identical amount of {$820.00}. We were thus charged twice for the same stay at the hotel. 

XXXX has immediately contacted XXXX XXXX in XXXX XXXX only to learn that they do not process such requests, and we needed to call their HQ in XXXX, NC to get this straighten out. Since it was late on Friday, the HQ was closed, and XXXX was forced to call them on Monday only to learn that the purchases were NOT refundable. The merchant refused to acknowledge the fact that it was their technical error that has caused a double charge evidenced by only one purchase receipt ( email ) sent out by their system to XXXX, for only ONE guest staying in the same hotel on the same seven-night stay ( therefore one person could not have stayed at two rooms simultaneously ). 

Out of desperation, XXXX has reached and talked to the XXXX XXXX property Manager, who oddly and perhaps in retrospect very telling, has refused to accept the company 's mistake. We have also reached out to the American Express, but they refuse to credit it on the card. 

The Manager called us and left a voice mail ( we have that file for review if needed ) 14 days before the actual date of stay acknowledging that there was a double charge and she wanted to make sure that there were not two rooms reserved under the same name. We have called back and confirmed the double charge by their system. The reservation was made with a cancellation policy on the day of arrival ( XX/XX/XXXX before XXXX XXXX  ). Since we have talked to her and canceled double charge by XXXX XXXX on the XXXX of XXXX, the second charge should have been credited. But was not. 

PLEASE read the CANCELLATION POLICY on a receipt ( proof of purchase ) - attached Thank you for reading it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account I opened with XXXX XXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX  XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.
Product: Mortgage

I am XXXX status of approved XXXX and Pending XXXX ( adjustment of status ) with Employment Authorization Document. 

I applied for mortgage loan and explained my XXXX status and ask them to check it even before they run my credit, and they checked it with their underwriter andsaid there is no problem, I sent all my documents and got the pre-approval letter and found a house, after I paid for appraisal and all the other parts of it I got conditional Approval letter from them. As XXXX of the last steps I was supposed to open a checking account to get extra discount on my interest rate and they said they ca n't open the account online and I have to go with higher interest rate. When I said I can fly to a branch ( the closest is in XXXX, CO ) they said that will work. I flew there and submitted all my documents and returned to XXXX. After a couple of days they said not only I ca n't have a checking account with them but also my loan is denied. The reason they gave me is my XXXX status, what they knew from the beginning. They say because I am from XXXX I have to either have a XXXX or have XXXX despite what they told me in he middle of the process that if I am transitioning from XXXX to XXXX I have to have the approval letter of my XXXX ( which I have and provided to them ) along with my Employment authorization Document and a letter from my employer, I provided all of them. 
It is obvious if I had not applied for checking account and had accepted the higher interest rate this had not happened. 
Their XXXX department has made this decision as far as I could understand. 

The excuse they gave me was obvious to them from the start and they just played with me and I feel I am being discriminated based on my national origin which is against the Fair Housing Act. And this whole thing has made lots of punitive damage to me and my family.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to update my name correctly to XXXX XXXX ( after receiving my SSN card and Drivers License for verification multiple times ), they are also allowing old creditors to place accounts that are well beyond the statute of limitations on my credit report causing negative impact to my credit. 

They have a completely incorrect credit report with accounts that should not be there and have been reported numerous times as fraud, as I was involved in an XXXX XXXX XXXX XXXX, and XXXX Leak. I also have a police report for identity theft all of which has been provided to them and still NO RELIEF! 

Please see the documentation of the creditor they are allowing to still report as of XXXX, from XXXX! Thats almost 10 years!!!! This is years of erroneous reporting that trans union is liable for since it is their job to remove old, dated entries such as this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I sent a dispute for a account being on my credit report longer then it's supposed to be on there. I contacted equifax to investigate the matter through dispute so the account may be deleted. Equifax sent me a form with my credit information basically explaining that the information is accurate and can't be deleted. Equifax did not verify how the information was obtained or what proof there was to show this account was able to remain on my credit. There is no justification. The debt first delinquency was in XXXX. Which makes the debt, that has been paid off even as a charge off, over 7 years. Now that I have disputed the account for still remaining on my credit profile Equifax as the account stating it's a year and a few months old. Even with their own credit report they sent me states XXXX. Equifax I will need to be provided the proof you received in order to validate this information is accurate and complete on my profile. Which after this dispute my credit score went down XXXX points with " no changes. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey there I got a credit report from  XXXX   XXXX  and Equifax that is mostly accurate except for  XXXX  giant error - it says I have a credit card with   XXXX   XXXX   with an address located in  XXXX  that is now past {$4000.00}. I do not have such a card, I do n't live in  XXXX , and there is no way those charges are mine. I have no idea how this happened, please advise so that I can both get this off of my credit report and never have a similar thing happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly 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 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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 an 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I want the CFPB to publish this description on consumerfinance.gov so that others can learn from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as TARGET/TD XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Product: Debt collection

Numerous attempts via e-mail and cell phone requesting invoice of payoff amount so I can payoff debt. Debt collection company will not submit information allowing me to payoff debt.