23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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 card or prepaid card

Hello, On XX/XX/2022, I noticed fraudulent activity on two of my Capital One cards. There were two fraudulent transactions, one from Kids Footlocker charge of {$160.00} in XXXX XXXX and another transaction at Full Movers amount of {$10000.00} in XXXX XXXX. I had immediately reported the two transactions that both had occurred on XX/XX/2022, as a fraudulent activity to Capital One. I had locked all my cards during this time. At that moment, the representative had called me twice on XX/XX/XXXX, asking if the card was lost or stolen. 
I had reported to the representative that both cards ( old cards ) were in possession during that time. I had also informed the representative that my husband received a replacement card of Capital One in the mail a couple of weeks before this activity since his old Capital One card was going to expire in XX/XX/2022 but did not receive any other cards in the mail. 
The representative reviewed the system and informed me that two more cards were mailed out, one for me and another for my mother in law, However, we never received them, except for my husband 's credit card. So, therefore, she immediately sent new credit cards via XXXX. Then she was like, they will continue with the investigation, but we received no other calls after that. After the phone conversation, during this investigation process, the representative had removed the two transactions on XX/XX/XXXX. So the two new Capital One cards with different account numbers were received by FedEx in two days at my house after reporting the fraudulent activity. 
Then I noticed again on my transaction that " purchase adjustment '' of {$160.00} on XX/XX/2022, and on XX/XX/2022, " purchase capital one added adjustment '' of {$10000.00} again in my charges. I had made another call out to Capital One customer service on XX/XX/XXXX about why these charges were added to the bill again, and the representative had reported that they had not found any fraudulent activity during the investigation. After spending two hours on the phone talking and waiting for different representatives from the fraud department, the representative removed one transaction from XXXX XXXX XXXX again on XX/XX/XXXX from the bill, but the representative was unable to remove the {$10000.00} Full transaction Movers. 
While this was occurring, someone used my husband 's to purchase from XXXX 's XXXX on XX/XX/2022, and I had received multiple emails from Capital One to unlock my card for the transaction to be approved. I also had reported this fraud activity to Capital One during this time on XX/XX/XXXX. The representative from the Fraud department had told me she would try reinvestigating this case since it has been closed due to insufficient evidence of fraudulent activity. However, I still have not received any answers about who had made the fraudulent transaction under my account if I am reporting I did not do it. 
Sincerely, Thank you
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card

On XXXX XXXX XXXX, I received XXXX fraudulent charges across XXXX different credit cards from XXXX different vendor accounts. All told I was assessed {$18000.00} for charges I did not authorize : * AmEx Platinum Card * {$340.00} from XXXX ( XXXX XXXX XXXX ) * {$11000.00} from XXXX  XXXX XXXX XXXX XXXX  ( XXXX XXXX ) * AmEx Corporate Card * {$5600.00} from XXXX XXXX XXXX XXXX ( XXXX XXXX  ) * XXXX XXXX XXXX * {$360.00} from XXXX I immediately contacted each credit card company to dispute these fraudulent charges. Both card companies issued me new cards and initiated fraud investigations. 

After an initial investigation, the charge to the XXXX AmEx account was confirmed as fraud and the charge was reversed. However AmEx has repeatedly refused to confirm the other charges to the XXXX card as fraudulent. Instead they keep re-billing those charges to me. 

To justify this theyve provide documentation from the fraudulent vendor ( s ), however the documentation ( attached ) has no substance. For example the " receipt '' they provide has a description that simply reads any amount ( in XXXX ). My signature is not on it ( despite their claims ), there is no itemized bill, no evidence of any goods or services actually provided. 

All AmEx repeatedly tells me is that since a chip card was used, it cant be considered fraud. This is clearly an incorrect assumption and a flawed policy that those committing the fraud are exploiting. AmEx should be held accountable for having a business relationship with these fraudulent vendors. 

At the end of the day these are unauthorized charges, even though a chip card was present. AmEx advertises XXXX liability for unauthorized charges and they should abide by their promises.
Product: Prepaid card

I have tried using 3 American Express virtual reward/gift cards adding up to ~ {$1500.00}. In most cases, the cards are declined at most retailers online ( e.g. XXXX, XXXX ). I've tried to have this resolved via American Express ' customer service, but have not reached any resolution. Unfortunately, I believe American Express is doing this purposefully and this may be a scam. I would highly recommend investigating AmEx 's gift card practices.
Product: Vehicle loan or lease

Bank of America Auto Loan Issue 1 : Have been a BofA customer since mid-XXXXs. Have multiple products. Applied and was pre-approved for a {$30000.00} auto loan some days before XX/XX/XXXX. The offer came with a number I used to show the dealership. The first problem was that the dealership had troubling contacting the auto lending arm on XX/XX/XXXX, when i purchased the car. The dealership used the pre-approval # furnished to complete the paperwork and i signed and left the lot. The following Monday the dealership called to let me know that the Bank did not approve of the " new '' car rate but higher " used '' car rate because the car was new but from the previous calendar year. It was very inconvenient but more problematic, had I know the higher rate would be applied, while at the dealership, i may have bargained for a lower alternate financing offer, but at that point it was too late ; we only wanted to close the deal and go home. Had to drive across the county to sign new paperwork. 

Issue 2 : The pre-approval message is electronic and provides a " new '' and " used '' rate and does not define that in the email message. The customer has to click a link in the email message to get to an agreement letter. The information you need to figure this is out is on page two ( have to click to next page or scroll ) of the agreement that you click on. It is very difficult to find and there is no reason why it should not be spelled on in the email message that even new cars from the prior calendar year are not eligible for the " new '' car rate. 

Issue 3 : It was nearly impossible to get to customer service for the auto lending division. It is not connected to the main bank. You have to use a different set of numbers and i tried over two days, no less than three times, with crazy wait times to finally speak to a loan officer who could explain the issue and could do nothing about it. 

Issue 4 : How come a XXXX ( previous year ) car with 22 miles on it can be considered " used '' by a finance company when purchased in XX/XX/XXXX? Its not as if the manufacturing made any significant changes in the safety or other features of the car. It is completely arbitrary and outrageous. Three years maybe, five years definitely, one year - not at all. 

In the end, i have a new car and a new loan. But this process is terrible and a lot of problems could have been avoided. Can't imagine how other customers have dealt with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto company credit acceptance corporation is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX an inquiry on my credit report says it was reported on XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Account being reported to my consumer credit report as an installment loan with XXXX XXXX XXXX XXXX. I have no knowledge of this account, have never done any banking with XXXX XXXX XXXX XXXX have never had a loan with XXXX XXXX XXXX XXXX No one has provided any evidence of any account with XXXX XXXX XXXX XXXX under my name.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 


Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
Bankruptcy XXXX XXXX Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, please remove them.
Product: Mortgage

We paid off our mortgage with Dovenmuehle Mortgage on XX/XX/XXXX. We received a pay off confirmation letter dated XX/XX/XXXX. The amount of our escrow is {$11000.00}. As of XX/XX/XXXX they have yet to return the money to us. Below is a summary of some of our over 25 phone conversations with Dovenmuehle Mortgage : On XX/XX/XXXX we were told by representative XXXX that Dovenmuehle was able to direct deposit our escrow refund since we had not yet received their check in the mail. We e-mailed a voided check to the e-mail she provided and was told that in XXXX days we should receive the deposit. We never received the deposit. 

On XX/XX/XXXX we called them to see where the deposit was and were told by representative XXXX that direct deposit was not an option. XXXX was going to have another check issued and we should absolutely have it on or before XX/XX/XXXX. We never received the check. 

On XX/XX/XXXX we spoke with supervisor XXXX XXXX initials LRO ) that the check was mailed on XX/XX/XXXX. She was putting a tracer on that check to see where it was and was reissuing another check on XX/XX/XXXX. She said she would request this check to be sent to us via overnight mail. We never received the check. 

On XX/XX/XXXX we spoke with representative XXXX XXXX initials XXXX XXXX who said that once the loan is paid off a check for the escrow refund is automatically cut in XXXX weeks. I then requested to speak to a supervisor. She directed me to XXXX XXXX initials XXXX XXXX who told us that she would have to research where the check was and that would take 24 hours. She guaranteed us that she would call us back on XX/XX/XXXX. We never heard from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of XXXX XXXX. As of late XX/XX/XXXX early XX/XX/XXXX we requested a payoff. In XX/XX/XXXX I received a call from XXXX XXXX but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX and discontinued the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct no XXXX is fraudulently appearing on my equifax  and XXXX reports. 
the manufacturer, seller and creditor XXXX XXXX XXXX defrauded me on the sale of a diamond ring. 
the diamonds are not genuine gem quality but man made " industrial '' type diamonds and the gold quality is much less gold carat than is stated. 
DELETE THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX  XXXX opened on XX/XX/XXXX Amount : XXXX -XXXX  XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the two dismissed bankruptcies currently reported on my consumer report with reference numbers XXXX and XXXX. I request that Experian provide me with the method of verification used to confirm the accuracy of these dismissals.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and receive a detailed explanation of how the verification was conducted. Specifically, I would like to know the exact procedures and sources that were used to verify these dismissed bankruptcies.

Please send the proof of the method of verification to the following return address : XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX and by email : XXXX I ex

pect a prompt and thorough response to this request, as it is crucial for ensuring the accuracy and integrity of the information reported on my credit file. Thank you for your attention to this matter. I look forward to your timely response.
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XX/XX/2023 and XX/XX/2023 I mailed a certified notarized affidavits to XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX that I never gave their companies consent to share my personal information nor I was not provided with proper disclosure and for that reason I am a victim of identity theft. I have reached out to the respective companies letting them know that I am aware of their improper use of the sharing of my private information without my consent and in fear that they could be using my information for marketing purposes numerous of times with no proper response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : AT XXXX ) XXXX Balance : {$630.00XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I currently have some unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

As recently as XX/XX/year> I have requested debt validation. The amount in question has been obscenely exaggerated and inflated since the original debt was issued. It has since increased however this is not a credit based debt where late payments or interest should accrue or create larger deficits. This is a debt resulting from the move out of an apartment which was left in good condition. However the absurdly {$8000.00} plus cleaning bill that has remained on my credit even after the apartment complex was completely remodeled and renovated is unlawful and against the fair credit reporting act. There are many violations that have been committed over the tenure of this matter. I need to see debt validation to understand how that amount of money can be charged for a move out make ready not to mention that I paid over {$1000.00} in a deposit upon moving into the property that was never refunded. I would like to see how the charges are being processed along with the deduction of my original deposit. I also would like this removed from all 3 reporting beaureu as it can not be validated and in definitely the incorrect amount as I show 2 different amounts on my credit report for this issue. The company in question is XXXX XXXX XXXX It even shows account status closed
Product: Credit reporting or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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

I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( XXXX ) : XXXX was unable to retrieve my credit report.
Product: Student loan

I attended XXXX XXXX XXXX college located in XXXX, s.c. i applied for student loans to pay for my college courses during my duration of attending there. I thought i was being over charged for the amount and cost to attend XXXX XXXX. After borrowing student loans and upon graduation, we were told by the college that the XXXX XXXX program was not accredited. I was in the first graduating class of this program but upon admission, i was never told that the college was not accredited. Many funding dollars were taken from students but the college was not accredited. To this date i have been struggling to pay back over a {$23000.00} student loan from 14 years ago. Upon graduation, our class was never instructed how to obtain a certification in our degree program. Another complaint is the student loan servicer, first it was nelnet, then XXXX and now XXXX. A lot of changing hands in the student loan accounts, dont know if statements are accurate of balances.