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

I have disputed multiple inaccuracies on my credit due to third party companies having my information; closed accounts in open status with active balances, incorrect balances and reporting ; incorrect spelling of my name; incorrect addresses ; inaccurate late payment reporting after negotiating terms with creditors.
Product: Credit reporting

I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT CHASE BANK AND XXXX XXXX LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.
Product: Checking or savings account

I spoke today with a XXXX at Wellsfargo WF bank na. I was cheated as part of a jobs scam into sending payments to vendors supposedly for equipment for a data entry job. I filed claims with WF TO GET THE MONEY BACK. i SPOKE EXTENSIVELY WITH THE FRAUD DEPARTMENT WITH wf. WF CLOSED THE FRAUDLENT XXXX CLSIMS. i HAVE no business with the vendors. They are part of the fraud and have no contact information with them. WF is my bank they need to reopen the claims one for {$480.00} and one for {$1000.00} and at least try and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file much because I aged out of foster care and didn't know how. I discovered XXXX on my credit report back in XXXX of 2021. I disputed with XXXX, XXXX, and XXXX. I disputed it with XXXX. I have disputed it several times with all respective parties. I don't know what they are using to verify this debt other than my information that was fraudulently used. I am not sure who used my information and I wouldn't even know how to find that out. I filed a police report back in XXXX of 2021 and have submit it to the before mentioned entities. I also filled out the forms from XXXX and mailed them back. The issue is still not resolved. I have done everything that Consumer Finance and the Fair Credit Reporting Act has recommended me to do. My actions have brought me to move forward with filing a complaint with Consumer Finance, the Fair Credit Reporting Act and my attorney generals office. I want this matter resolved as soon as possible. I do not owe XXXX any money.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 have disputed this account twice with Experian and XXXX  due to inaccurate and incomplete reporting information. I also requested validation, but did not receive it. There is definite inaccurate information that the representatives over the phone have even stated that they see. However the account is still reporting with inaccurate and incomplete information. The open date is reporting as XX/XX/XXXX. However, the company is reporting the first delinquency in XX/XX/XXXX. How is there a delinquency on the account BEFORE the open date? This is obvious inaccurate information. Experian and XXXX have allowed the company, XXXX XXXX XXXX, to verify this information as accurate TWICE. There is also incomplete information. The last payment date is missing. The payment history is incomplete. The past due balance is missing, but the account is reporting as a collection. This is obviously incomplete information. The representatives over the phone with Experian and XXXX  stated that they see the information, but they have to go by what the company reports. This is not true. The credit reporting agencies are responsible for ensuring that accurate and complete information is being reported. Otherwise, a company can report anything to you.
Product: Credit reporting or other personal consumer reports

I have closed a credit card account ( XXXX Credit Card by XXXX XXXX XXXX XXXX ) in XX/XX/XXXX after paying off all the remaining balance before the statement due date. 
I never had any late payment with the account since opening in XX/XX/XXXX. I thought I closed the account for good without any future issues. 
However, in XX/XX/XXXX XXXX reported to all credit rating agencies that I was late over 30 days on " trailing interest charge '' of {$63.00} which I did not see on the last statement but I promptly paid anyway in hope XXXX would delete the late payment record. 
As a result, my FICO score went down by XXXX point from XXXX along with other credit agency scores. This XXXX late payment is the only negative spot on my otherwise spotless credit report on all my over 10 accounts in the last 20 years. 
I've made all the payments for the XXXX Credit card in accordance with the monthly statement before closing it. I am now in extreme difficulty getting a credit or any other critical loan for my living.
Product: Credit reporting, credit repair services, or other personal consumer reports

The things on my credit report are wrong or not mine due to Experian being hacked by XXXX mine and million 's of others, a breach in contract.you have 7 days to respond and if haven't heard back in 7 days I'll take it that all credit has been repaired thank you for you timely response .Thank you for your assistance in dealing with these issues. Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXREPORTED TO MY CREDIT REPORT {$14000.00} FALSELY 15 U.S.C 1681 Section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I purchased a puppy from XXXX XXXX XXXX and they helped me apply for a loan with this company called American First Finance/ XXXX XXXX XXXX XXXX for {$2400.00}. The retailer where I purchased the puppy from did not advise me out the buy out date and the loan company also did not advise me of the buy out date nor the interest rates via print or electronic disclosure. There was no information given to me in print or through electronic disclosure when I signed up for the loan. I attempted to resolve this issue with the loan company and see if they could work something out with me regarding the buy out option because I never received the information from either company they just began drafting the money from my account without disclosing this information. I tried to speak to a manager at the loan company but when I call the call center all they say is that a manager will reach out to me within 2 business days and I have yet to receive a call. I keep getting the run around from American First Finance.
Product: Credit reporting or other personal consumer reports

I am writing this because experian has drastically ruined my credit by breaking laws. Theyve broken law 15 USC 1681i ( a ) 1 which states that you have to respond within 30 days which they never did they almost responded a year after they have broken another law 15 USC 1681i ( a ) 6 ( B ) 3 which also states that they must do a thorough investigation for any errors or incidents that occurred on my reports which is a mandatory protocol that wasnt being followed & they broke another law which is 15 USC 1681i ( a ) ( 5 ) B which has violated a Reinsertion protocol which theyve done about a numerous 2-3 times. I want this company held liable and responsible for damages done to my report.
Product: Checking or savings account

I had a CD come due on XXXX XXXX and I called Synchrony Bank the same day requesting they close the account and send a check. I was told 2 days to process and 7 - 10 for mailing. I waited and nothing came. I called again 10 days later and was told the same story. I called on XX/XX/XXXX and the case was escalated, Synchrony admitted they had made a back o # ice error and promised a check with additional accrued interest witting a week. On XX/XX/XXXX they said I would receive a check in the mail by XX/XX/XXXX, I have received nothing. I called again on XX/XX/XXXX and they told me that the check had not yet been processed and would be tomorrow. This runaround has been going on for a whole month and I want Synchrony to send me my money back plus interest for the additional month they have screwed around and had 'back o # ice ' mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts are continuously reported with different name variations and same account number and yet never shown in dispute status. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the following accounts on multiple occasions since XX/XX/2020 using the identity theft methods made available to my by the local police and online resources. XXXX has done nothing to remove this account after countless contact with them regarding incorrect information. The following items are still reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I disputed a charge with experian regarding Jefferson Capital for a XXXX account. The last payment was in XXXX. I reported that the statute of limitation for this debt has expired. I needed to have this removed. They did not remove my debt and they updated the last payment as XXXX. They did not correct the last payment not did they remove it. The put erroneous information on my report.
Product: Credit card or prepaid card

I sent a payment the week before XXXX XXXX. Capital One did not credit the payment until after the holiday that XXXX  and I incurred late fees and interest was charged shortly thereafter. Based on incorrectly applied late fees compounded into my balance. When I called Capital One to suggest this had to have been an error because my payment processed by the early morning of the XXXX after XXXX 's XXXX. Well before any mail would have come to the Capital One payment address. It would be virtually impossible for them to cash a check that's not physical there. I explained several to the agent I sas speaking with. I was callously condescended and essentially called a liar on the recorded line. When the agent got frustrated that my story was true he suggested we do a three way call with my bank. I gave him the number and he got them on the line. He introduced himself and commandeered the situation like a police officer interrogating a suspect. The bank representative corroborated my story by answering his specific questions and he eventually relented and agreed to rescind the late fees. He also told me they wouldn't report my payment as being late. Later that week I purchased a vehicle with loan money from a XXXX program for my small business, and primary means of income. I was purchasing the insurance as was required and received a letter from the insurance company today letting me know my payment was rejected by my credit card company. 

I thought that had to be a mistake because I cleared up the situation and then for good measure sent just shy of {$5.00} to cover any interest that's still left compounded from erroneously applied late charge that would render my XXXX charge late. I checked my account and sure enough, in an expectedly retaliatory fashion, Capital One had continued to block the card and report the payment as late to credit bureaus even after they admitted fault and rescinded the late fee. I have been driving uninsured for almost a week. When I called Capital One to rectify the situation, the agent just kept repeating what my outstanding balance was completely disregarding my explanation and the observable clues that Capital One is in the wrong. I work way too hard to be the subject of deliberate malice towards a client actually keeping up with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX  or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. 
Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that XXXX XXXX used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 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 previously disputed XXXX XXXX on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by transunion and experian! I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XX/XX/XXXX {$38.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Nationstar Mortgage LLC XXXX XXXX XXXX has cashed a check that was not for Nationstar Mortgage LLC d/b/a XXXX XXXX XXXX Crosscountry erroneously applied a payment that was meant to be made on ACCOUNT XXXX XXXX to account number XXXX. 
In XX/XX/XXXX I closed on a second property with CrossCountry mortgage ( ACCOUNT NUMBER XXXX ). I received a letter from XXXX mortgage indicating that my loan was transferred to Select Portfolio Servicing ( hereinafter SPS ), and that any payments due after XX/XX/XXXX were to be made to them any payments prior to XX/XX/XXXX were to be made to CrossCountry, and I was given no further instructions. My first payment was due XX/XX/XXXX, so I mailed a check to the address I normally send checks to XXXX referencing the new account number. 
Sometime later I got late payment notices from XXXX, and after some back and forth with them I contacted CrossCountrys customer service that was referenced on all my documents from CrossCountry, and the letter I received about the loan transfer. I discovered that Nationstar Mortgage LLC d/b/a XXXX XXXX, acting on behalf of XXXX, cashed the check and applied it to my first mortgage account. 
After numerous phone calls, emails and letters providing all the necessary documentation, this issue is not yet resolved. 
The latest correspondence, a letter dated XX/XX/XXXX advises me the servicer is Nationstar Mortgage LLC XXXX XXXX XXXX and are servicing your mortgage loan on behalf of XXXX Mortgage and that this organization is not responsible for the letter CrossCountry mailed out or my second loan with CrossCountry. Therein lies the problem.

Who services what is totally unclear, and as a subsidiary or partner to XXXX this organization is absolutely responsible. I need this company to forward my payment that has been misapplied to SPS. Nationstar Mortgage LLC d/b/a XXXX XXXX had no business cashing the check in the first place. It was very clearly for the second mortgage. The check should never have been cashed in the first place. The check-in question clearly referenced loan number XXXX.
Product: Credit card or prepaid card

Discover has failed to recognize my identity, and requested a social security card instead of issuing a card to me given other members of my family are already cardholders and their identities are established
Product: Money transfer, virtual currency, or money service

On XXXX I tried to contact XXXX about XXXX dollars I spent with one of there partners and received an empty box. I then received a call from XXXX claiming there was an issue with my account. Which he then provided me with a text message Dear XXXX Customer, Your Case has been registered on XXXX XXXX XXXX. Your Case ID XXXX. Employee XXXX XXXX with Employee ID : - XXXX is working on your case. 
For any other queries you can reach out to us at XXXX 
Thank You XXXX XXXX which I was convinced I was speaking with their fraudulent department and there was no worries he worked for a XXXX XXXX XXXX company and there was nothing to worry about. He then convinced me into going to the nearest bitcoin machine so he could repay me the XXXX dollars I spent on their site. Come to find out I was being scammed the whole time and sent him XXXX dollars more and then he had me make a wire transfer which was supposed to be a dummy transaction in the amount of XXXX which the first time was! So I had no worries. Then he had me make two other transfers in the amount of XXXX, and XXXX. And thenXXXX  XXXX cash advances were token from my account. He then claimed there was an issue with my XXXX XXXX  account and took XXXX to a man name XXXX XXXX XXXX to XXXX XXXX. Which I was able to resolve with XXXX XXXX. I also contacted my bank account Pnc about the fraudulent transaction that were made on my account that same day to have the transaction cancelled which the said they werent able to do so and it had to post since it was still pending and must be resolved in the bank is what he told me. Im very upset I let this all happen but am very confused why the bank only credited my account in the amount of XXXX and not the full amount for XXXX. I only wanted the transaction that were international wired from my account in the amount of XXXX, XXXX