23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

5 Charges were made on my card XX/XX/XXXX for game credits I purchased from high 5 games after purchase they applied credits to my game account but due to the fact that I was unable to get verified by there system I couldnt recieve the credits I paid for I contacted high XXXX games and a supervisor walked me through the steps but still no verification was possible so I then contacted my bank capital one who I have been calling and dealing with for 2 months now being told lie after lie for associates and management saying oh XXXX XXXX you need to send in a hand written sworn statement and your claims will go through nothing oh XXXX XXXX we need pics of receipts I send them and nothing then oh XXXX XXXX it was due to wrong format XXXX you need to send pdf format I do and nothing oh XXXX XXXX we need the hand written statement again do and nothing oh XXXX XXXX one claim is in your favor now and the issue was the claim for one was submitted item not as described so it went through the other 4 were submitted did not recieve so resubmit all documents and we will fix the 4 so I do and nothing I call back in again saying if one case is in my favor why do the all say denied oh XXXX XXXX all claims you lost I said how can that be you have paid me XXXX $ back for one of the claims oh we dont know why. Not even once did capital one ever give me a straight answer or tell me the truth nor did they ever tell me exactly what they needed for my claims to go through I did not get what I paid for and will not be paying for these transactions period the amount of time Ive spent on the phone talking to them being on hold and writing documents taking pictures comunicating with merchant and nothing only one goes through they are all the exact same type of case against the same merchant on the same day and I sent the same documents but only one of five is in my favor explain that especially when it says I lost all five cases yet they reimbursed me for the one. I even sent them multiple pics of emails from high 5 games of purchases with transaction number amount date merchant name everything and they said those are not receipts. The only resolution that I will except which is beyond owed to me is a complete refund and an apology!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer and original creditor has been violated due to the improper use of my consumer report. Im unable to obtain any type of financial assistance due to this.

According to the FCRA 15 USC 1681a ( 2 ) exclusions stating the consumer report does not report containing information solely as to transactions or experiences between the consumer and the person making the report ; All the collection accounts have late payments that continuously keep reporting, along with a balance. Ive recently filed a complaint, it was completed but no items have been removed.
Product: Credit card or prepaid card

Contacted Chase Visa customer service on XX/XX/XXXX at XXXX, The Chase credit card was declined without user authorization two days prior. This attempt to use the card 48 hours earlier was a fraudulent and unauthorized attempt to shop with XXXX. 

Unfortunately, XXXX the vendor to which the attempted Friday, XX/XX/XXXX : purchase failed, has not been contacted to date. That said, the basis for this additional complaint against Chase Visa and its customer service is the following. Chase, continues to request for identifiers, that are nonstandard and have provided the follow-thru on Chase-to-consumer callbacks as agreed upon during the customer service call. 

On Sunday, XX/XX/XXXX Chase declined to remove the unannounced fraud alert laced on the charge account. The female representative voice was recognizable its difficult say the she participated in the previous call to Chase. Question like do you know XXXX XXXX, former employers and addresses were again alarming.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. Experian, XXXX and XXXX, before the account became a charge off, my credit limit was {$2500.00} and as of today, XXXX XXXX is reporting on my 3 credit reports that I owe them {$3100.00}. I do not owe XXXX XXXX {$3100.00}, again, my credit limit was {$2500.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX XXXX  I do not find it fair or correct that XXXX XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 


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
Product: Credit reporting or other personal consumer reports

Please see attachment since is for multiple errors reported in my credit report
Product: Debt collection

Never received notice to dispute.L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, XXXX, XXXX, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.
Product: Checking or savings account

Since I joined Navy federal in XXXX  and was enrolled into their, " XXXX  '' program. They have been killing me with overdraft fees. Every month I pay over a XXXX in fees alone. I was not aware I would be caught in an endless payment program just for banking with them.
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. 

Account name : XXXX XXXX XXXX {$550.00}, XXXX {$0.00}, XXXX XXXX {$8700.00}, XXXX , XXXX & XXXX {$100.00}, XXXX , XXXX & XXXX {$100.00}. has violated my rights. All three credit agencies have different reporting scores and in correct information. I have requested to have all this reporting to be removed several times to the credit agencies and not removed. XXXX XXXX  was only removed in XXXX. XXXX XXXX  has not yet provided what this the collection debt in question. All three credit agencies should also have my name XXXX XXXX XXXX and address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX. I have mailed and called to request for my information to be accurate and no resolution. 

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 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT! The account listed on my credit report by XXXX XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX is a bankrupt insurance company in California. I do not nor have I ever lived in California. The agent that XXXX XXXX XXXX XXXX says created the policy had his license suspended in Texas for fraud. Attached is my FTC ID theft report! Delete this tradeline off my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage XXXX XXXX XXXX XXXX, TX XXXX phone XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX phone XXXX fax XXXX Since the 2nd week of XXXX XXXX we have contacted Nationstar either by phone, email or fax trying to find someone who will help us resolve an issue we have with XXXX XXXX XXXX. 

XXXX XXXX XXXX mailed us a letter stating " Notice of Intention to Create Lien for Delinquent Front XXXX XXXX Charge / Water and/or Sewer Facility Charges '', and they are going to place a lien on our property for a bill that has not been paid by our mortgage company, Nationstar. 

This bill was apparently due on XXXX/XXXX/XXXX, after Nationstar purchased our mortgage from XXXX. We have never been notified by the Utility Company that a bill was owed. According to Nationstar, the Utility Company did not notify anyone at Nationstar about such a bill. It has been 6 months, and the first letter we receive is a threat to place a lien on our property. 

XXXX mailed us a statement showing that all payments to this XXXX Company from XXXX to XXXX, have been paid by our previous mortgage company through our escrow account up until the time that the mortgage was purchased by Nationstar. 

We were told by phone on XXXX/XXXX/XXXX to email all of the information we have pertaining to this bill to XXXX XXXX at Nationstar, we did, he never responded by phone or email, we emailed him twice. 

We called on XXXX/XXXX/XXXX XXXX spoke to XXXX in the Escrow Department ID # XXXX ; who informed us that " we are responsible for this bill and Nationstar will not pay it! ". When we began to argue with her, she said this information will be investigated by the Escalation Department, and we will have a response in 3 days. No one has responded to us. 

Today, we called Nationstar, and asked for XXXX XXXX ( the man we were told to email ), no one knows who he is. 

Today we called Nationstar again, spoke to XXXX XXXX at XXXX in the Escrow Department XXXX who now asked us to fax all of our information, we agreed. 

As of today 's date, our utility bill remains unpaid since XXXX of XXXX. 

We have an escrow balance of {$4000.00}, yet our utility bill, which was always paid by our previous mortgage company, remains unpaid by Nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX  XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX/XXXX  XXXX {$770.00} XXXX  XXXX  XXXX {$5200.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Experian Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXX XXXX  XXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year> ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter from bankruptcy courting stating they do not give that information to the creditors. I have attached the letter. 

On XX/XX/XXXX I sent these letter out to XXXX, XXXX, and XXXX. They all sent me the same response they can not remove my bankruptcy. 
Subject : Formal Request for Removal of Bankruptcy Information To Whom It May Concern, I am writing to dispute the inclusion of a bankruptcy filing on my credit report. I have discovered that the bankruptcy court does not report bankruptcy information directly to credit reporting agencies. Instead, credit bureaus obtain this information through third-party vendors or by accessing public records. 



Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( FCRA 611 ). I am challenging the validity of how this bankruptcy information was obtained, as well as its accuracy and completeness. 



The specific information in question is as follows : Case Number : XXXX Date Filed : XX/XX/XXXX Court : Us Bankrupt court XXXX XXXX Legal Basis for Removal 1. FCRA 611 ( a ) : Verification Requirement The FCRA requires credit reporting agencies to verify the accuracy of all reported information. Because the bankruptcy court does not report this data directly to credit bureaus, I am requesting verification of the source of this information. If the information can not be verified directly with the bankruptcy court, it must be removed from my credit report. 

2. FCRA 607 ( b ) : Maximum Possible Accuracy Credit reporting agencies are mandated to maintain procedures to ensure maximum possible accuracy of consumer information. I have reason to believe that the inclusion of this bankruptcy on my report may not meet these standards. 

3. Public Record Inaccuracy As public records are often prone to errors during transcription or reporting by third-party vendors, I am requesting a thorough investigation to ensure compliance with all federal regulations regarding the reporting of bankruptcy information. 



Action Requested I respectfully request the following actions : 1. Conduct a full investigation into the source and accuracy of this bankruptcy information. 

2. Provide me with written documentation verifying the source and legitimacy of the information. 

3. Remove the bankruptcy from my credit report if it can not be verified as accurate and complete. 



Enclosed, I have included the following : A copy of my credit report with the bankruptcy information highlighted. 

A copy of my personal identification for verification purposes. 



Under FCRA 611 ( a ), you are required to investigate this matter and respond within 30 days. If you can not verify the information directly with the bankruptcy court, I request its immediate removal from my credit report. 



Thank you for your prompt attention to this matter. I look forward to receiving your response.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXXXXXX XXXX XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts

they also violated my rights under. 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. Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # TransUnion- XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of the West in response to an investigation into the account in question admitted bank error. ===With reference to your statement the Bank did not make payments you initiated, and deposits were not credited to your account, the Bank returned items as there were insufficient funds in the account. The deposit to which you are referring, occurred on a day where the systems were down. The Bank acknowledges and apologizes for the delay and processed the item as soon as it was brought to our attention. === However, no adjustments were made to the account because of these errors. Simply processing deposits when alerted to the error did not rectify fees on the contrary this error created excessive fees with reoccurring fees. Each acknowledgement and apology about All Bank created error was met with a fee. 

The Bank of the West representative also admits that the upper management representatives refused to close the account. Bank representative states as ===On XX/XX/2017, our records show you spoke with XXXX XXXX, Senior Retail Customer Services Officer/Vice President , regarding the status of your account=== with all the knowledge of all employee mishandling of the account, Bank generated errors, less than professional service in the two Banks- XXXX XXXX Branch @ XXXX and the XXXX XXXX @ XXXX XXXX and a written request to sever all association with the Bank for stated problems and more issues with customer service phone line I believed the matter was over and association with this Bank was severed when I received a check from the Bank of the West. 

Bottom line the Bank did not rectify Bank error and an account was not closed. Allowing fees to accumulated without adjustments or correction for Bank created and generated errors. The Bank collected insurance and the account was sent to collections. I was misled, by the Bank of the West, with the receipt of a Bank of the West check after all requesting 's to sever all association with the Bank of the West.
Product: Mortgage

i was told i could deposit cash into a account to lock in a offer and then close on a house I did such and was denied a loan for using cash i was told as long as i didnt deposit over XXXX k weekly it was ok now XXXX plus days later my loan was denied from cash deposits i was told i could do im an now out XXXX in XXXX money which was accepted caash to a cashiers check and XXXX in appraisal fees and homeless in a few days. My wife called he explained the situation saying no one would touch me his words if i corrected the income issue i can only hope calls are recorded
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Vehicle loan or lease

Hello my name is XXXX XXXX I was reviewing my credit information and I found an unauthorized ( XXXX XXXX ) account was opened in a FRAUDULENT way, please remove it from my credit report