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

Experian response to account XXXX that there response on XX/XX/19 with CFPB is they cant add account. It seems Experian has error on this account being XXXX as this account I have had for several years so how is an account I'm paying monthly does not show. I have also filed with proof from XXXX XXXX XXXX statements this account is open and been open for several years. I have also filed a complaint with the US Attorney office consumer complaint to a account that is open and been open for several years and Experian refuses to show the account on there credit report as the other 2 credit bureaus show the account. Experian by law can not remove or say an account cant be added as it is an open account for several years with XXXX XXXX XXXX authorizing it I spoke to them about this problem and they say they report it to all 3 credit bureaus monthly. If the matter is not cleared up I will seek legal issues on my consumer rights on Experian. So how I'm I asking to add an account in which I'm paying monthly but Experian is in error to the account not showing and the other 2 credit buraus show the account.
Product: Credit card or prepaid card

On XX/XX/20 I booked a hotel room at XXXX XXXX online on the Capital One Travel site and was charged XXXX Miles, or reward points, which translates to {$73.00}. Capital One apparently uses XXXX for bookings and I know this, not because of the email receipt from Capital One, but because I viewed the hotel screen when the manager showed it to me. The hotel only charged XXXX {$56.00}, so when Capital One deducted points to pay {$73.00}, they overcharged my rewards account by XXXX points since they only paid XXXX XXXX {$56.00}. When I called and asked that my account be credited for those points, I was told that they can't control what the 3rd party ( XXXX XXXX pays and my request was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, per a court order, I have been paying on two accounts from XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two XXXX XXXX XXXX accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors XXXX XXXX XXXX. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to XXXX XXXX XXXX Since the beginning of this, XXXX XXXX XXXX has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$470.00} from my transactions below? 


MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$10.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$96.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX - XX/XX/XXXX - XXXX XXXX  MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX NV ATM ID XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX  MONTHLY SERVICE FEE - XX/XX/XXXX - {$10.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX Centennial Center Bl - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$10.00} AM XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$96.00} RECURRING PAYMENT AUTHORI ZED ON XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$46.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$21.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$100.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$35.00} Thanks a ton, XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Please find attached information that needs to be deleted from my report immediately, given it was found to be inaccurate.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

Short sale is in the process of negotiations and  Nationstar  proceeded with a foreclosure. Tenant occupied and did not give proper notice or offer move out assistance.
Product: Credit reporting or other personal consumer reports

Firstly I noticed fraudent changes on my XXXX account, where someone had changed my email to recover my account, and got a XXXX card sent to them. 
I next noticed activity on my credit reports from several of the credit bureaus that I had no knowledge of for a XXXX XXXX XXXX  and also addresses out of state in Florida that do not belong to me. Ive never lived or even visited Florida. I have never opened an account of any kind with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  myself and they did their own investigation and let me know they did determine it is fraudulent and I am not responsible for the account. 
Ive been disputing all of the inaccuracies many times on all three major credit bureaus thru phone calls and on their websites. Its very frustrating. On some it has still not been removed. Its been a source of stress for me and hurtful to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a late payment on my credit report with ally financial in which this information is incorrect. I disputed this before and ally reported to them that it is no late payment. I 'm guessing Equifax refused to report my account accurately.
Product: Credit card or prepaid card

I had credit card account with Discover for almost 8 years. On XXXX XXXX XXXX.19 at XXXX I received email stated they closed my account. I guess its a XXXX XXXX from Discover. I completely paid off my credit card in XX/XX/2019, I had XXXX $ credit line on it. When I call them today to ask why did they close my account, rep stated well because your account was not really active we close it. I did explain to representative that I had tragedy in my family my Mom was XXXX, I went to XXXX with XXXX XXXX, one of the episodes XXXX XXXX XXXX XXXX, I lost most important person in the world! How can you do this to me. Plus I just had the XXXX on my XXXX, Im on XXXX. I was rely on this card to pay my bills. All what Discover representative said, well sorry but your account is closed. They absolutely not human! How they can act with the customers like that?! I just want all Discover customers to know that if you have a hardship Discover wont be there for you!
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. 

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 XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I attempted to get some information validated on my credit report. The credit bureaus have yet to respond to me or validate any of the information i have disputed.
Product: Credit card or prepaid card

Credit karma just settled a class action lawsuit and they are still doing the exact same things they just settled for. They gave me a karma guarantee badge offer where if I apply and am denied they say they will pay you {$50.00} XXXX applied for a proseper card thru credit karma and connected my bank account thru plaid services and got a preapproved offer for {$500.00}, then I got an adverse action report that said they could not verify the information on my credit application and I was denied credit karma refuses to pay the {$50.00} saying it was an incomplete application, when I was denied for many other reasons per prosper. Also credit karma currently has 4 offers for XXXX credit cards and one for XXXX XXXX XXXXl rated with outstanding odds of approval when there is 0 % chance of approval as discover requires that you only have one hard inquiry at time of application and your application has to be the second hard inquiry or lower. I have XXXX hard inquiries depending on which bureau you look at. How can I have outstanding odds when this is the case? This is click bait scams they know I would be denied as I know this so should they. The give inaccurate odds of approval that have no chance at approval and giving acces to my consumer report to multiple lenders, I also clicked on a personal loan to see if there were any pre payment penalties and it started to show a loading symbol and said pulling credit, they never asked me if this was ok and I quickly backed out of the search and closed the app but they still provided my consumer report to three lenders including XXXX and I was given three notices of denial, these actions are wrong and something needs to be done, there are probably thousands of Americans a day effected negatively by their inaccurate approval odds, they just want applications and do not care if you actually get approval or not.
Product: Credit card

I disputed BARCLAYS BANK DELAWARE as a Fraudulently account. 
I sent them a Police Report & Identity Theft Victim Complaint and Affidavit to let them know that I 'm a victim of ID Theft. I notify all three credit report agency about this account.They have been remove from XXXX of the credit report agency. But on XXXX it 's still showing. So I call the XXXX Fraud Department about this account and they told me that BARCLAYS BANK DELAWARE said my name & SS is still the same. And I told BARCLAYS BANK DELAWARE that I am a victim of ID Theft. I disputed this account XXXX/XXXX/2016 with XXXX Account # XXXX they are the one I contact first about this account.And I contact BARCLAYS BANK DELAWARE on XXXX/XXXX/2016 and XXXX.I talk to XXXX about this account he stated that he need to talk to the officer about this account. This suppose to took place two week ago. I talk to him again on XXXX/XXXX/2016 he said the same thing that he said two week ago. And he were being disrespect to me.
Product: Credit reporting or other personal consumer reports

Ive spoke with the court of XXXX XXXX California and they stated they do not furnish credit reports. 
Rule 9037 : Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.
Product: Student loan

Submitted loan forgiveness information but payment history seem in accurate. Worked for XXXX XXXX since 2015 and amount of qualified payments and about owed is off.
Product: Checking or savings account

In XXXX XXXX XXXX XXXX XXXX having already been a victim of identity that ; a fraudulent Chime account was discovered. At that time contacted the identity theft recovery service, XXXX and engaged in recovery process with an agent. 
Chime was notified by US postal mail to its supporting bank, XXXX XXXX  on XXXX. XXXX XXXX  confirmed that the fraudulent account was being handled by the other partner bank, XXXX and advised directing request to XXXX. This correspondence was received XX/XX/XXXX. That same day an identity theft packet was sent by US postal mail to XXXX for Chime. Subsequently requests were also mailed on XX/XX/XXXX and XX/XX/XXXX. None of these were responded to by XXXX or Chime. 

Chime through its partner bank XXXX has willfully failed to assist a victim of identity theft who has provided it a police report, notarized victim affidavit, proof of ID, SSN, and address in violation of state and federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 sent a letter letting LexisNexis Consumer Center is in violation of my rights. 15 usc 1681b. They sent a email saying they need me to send in my driver license and a bill. I sent that with the letter. I also have the letter from the courthouse saying they do not give out personal information. Rule 9030 of the Federal Rules. I spoke to a person from LexisNexis Consumer Center on 7/6/22 her name is XXXX employee # XXXX and she viverified my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote written requests along with VERBAL requests to this company to cancel this policy last year. It is now that they are reporting to the credit bureaus with a balance. Unacceptable and FRAUD. 

THere is a fraud alert placed on my account and by no means did I have a policy with them that accrued a balance. I will attach a picture of my email.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX and XXXX that a new hard inquiry was listed on my credit report. Upon further investigation, we found that a Capital One NA account had opened an inquiry against my credit. The same was applied to my husband, XXXX XXXX, but his was blocked by XXXX XXXX before it could be processed. XXXX placed a fraud alert on my account that spanned all three bureaus. I also contacted Capital One to notify them of the fraudulent inquiry. No accounts have been opened and no funds have been spent at this time, it was a hard inquiry today XX/XX/2024. All of the conversations, XXXX and Capital One, happened today as well.
Product: Mortgage

Loan # XXXX SPS Account # XXXX Our current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XX/XX/XXXX ) on our Non-Agency Securitized Mortgage since originated in XX/XX/XXXX with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed  documents with the SEC in XX/XX/XXXX ). SPS indicated in XX/XX/XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XX/XX/XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the Trustee, XXXX XXXX, XXXX. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests
Product: Checking or savings account

Good morning, I have a small business and am having a repeated problem with Bank of America. 
Is it possible for your agency to help me in any way? 
Basically, I make large deposits from wealthy clients into my checking account. NONE of these checks have ever bounced. 
But, just because they are over {$5000.00} the bank likes to sit on the funds for a couple of weeks. The funds clear the sending bank and are in the possession of Bank of America within 24 hours but BoA likes to enjoy that float for a couple weeks, while this small businessman has no access to my funds to keep my business going. 
I have complained to XXXX XXXX, CEO of BoA repeatedly about this and I always get the same results : 1. Someone from 'Executive Appeals ' office contacts me and wants to look into the matter. 
2. They take the information and eventually confirm that all is good. 
3. They eventually release my funds to me " as a favor ''. 
This process usually takes several days while I am dealing with hours and hours of forms, calls, emails, etc. over day after day of bureaucratic garbage that ends with a promise that my account has been notated and the famous last words ... '' this won't happen again ''. 
Well, here i am again as it seems to happen most every time. 
This is a killer for a small business, especially in these times of a slow economy. 
Is there any way you can motivate Bank of America to stick to the promises of the people and NOT sit on my money for so long? 
Thank you for anything you can do to help me. 
Gratefully, XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the debt your company is attempting to collect from me. This debt is not mine, and I was unaware of its existence until it appeared on my credit report. I am requesting that this debt be removed from my credit report and that all collection efforts cease immediately. 

**Reasons for Dispute : ** 1. **Failure to Provide Written Notice : ** XXXX  failed to send bills, notifications, or any written communication regarding this debt to my current address. As a result, I was unable to address or dispute this matter in a timely manner. 
2. **Unknown Debt : ** I have no knowledge of this debt, and it does not belong to me. I was never informed of its existence prior to its appearance on my credit report.

**Legal Basis for Removal : ** Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681c, inaccurate or unverifiable information must be removed from my credit report. Additionally, the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692g, grants me the right to dispute this debt. 

I am requesting the following : 1. **Removal from Credit Report : ** I request that this debt be removed from my credit report immediately.

2. **Cessation of Collection Activities : ** Cease all collection activities until this matter is resolved. 

Please note that I am disputing this debt in good faith and expect a prompt resolution. 

Enclosed is : - Proof of current address ( e.g., utility bill, lease agreement )
Product: Credit reporting or other personal consumer reports

Eqifax credit reporting agency i can login online and can see my score but they have not correct my score with XXXX XXXX is XXXX and on their website is XXXX and they don't want to give me that XXXX after I won my dispute XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX and they keep blocking me