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

Hello, enclosed is the complaint and verification. 
Fair and Accurate Credit Transactions Act. 
Please get the Experian accurate score uploaded. 
Thank You! : - ) Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry from XXXX XXXX Bank appearing on my credit report. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a note on my XXXX XXXX that it was resolved in a dispute. 
The fact is that this is a brand new card that I just received in XX/XX/2021 and have never disputed anything on it nor do I need to as there has not been enough time for anything to go wrong. Equifax did not remove the remark when I disputed it and another fact is there are no documents to support this remark or any legal record to support this remark. 
I have not asked for the remark.
Product: Debt collection

I am on XXXX and have been for 3 years all medical bills are covered under XXXX county in Colorado XXXX department of health care and financing XXXX XXXX there are 2 issues on my credit record that I 'm disputing. I also have records showing I 'm on XXXX. I also never received any bill and if I had I would of handled it immediately again because I 'm on XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address significant errors, discrepancies, and unauthorized accounts appearing on my credit report. The entries are incorrect and require immediate attention.
Product: Credit card

I applied on the website and got approved for athe venture one card with capital one bank. The website stated the new card member can get XXXX points when spend {$500.00} in 3 months. However I got nothing. The bank rep told me thought I was approved for the card, I am not qualified for pomo even I opened the card and spent {$500.00} through the website. She didn't mention why and just said I can check the term. It makes no sense to me. I don't see anything about this in application page. People should be automatically qualified for the new member bonus when card is approved. If now why not just declined the app or inform me upon card is approval?
Product: Credit reporting or other personal consumer reports

Today on XX/XX/XXXX I recieved a copy of a background check from Asurint that has an incorrect criminal conviction on it. 

It states that on XX/XX/year> i recieved a misdemeanor criminal charges for not wearing a seat belt out of XXXX XXXX in Montana. 

This is incorrect because under Montana XXXXtate law MCA 61-13-104 a seatbelt violation is Not a crime especially not a misdemeanor, and it is specifically illegal for a seatbelt violation to be reported on a criminal background check.

I asked Asurint to remove the conviction and inform the company they ran the check for that it is incorrect and should not be on the report. 

I emailed them and called them and left a message and am still waiting for their reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted lexis Nexis to receive my credit file but after verifying my information they claimed they couldn't verify it. Making it difficult to obtain this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update consumer report as letter requests
Product: Credit reporting

It is a credit reporting agency I never heared of ( Sage ) XXXX.XXXX Sage reporting to companies, but when calling them up to get a copy of the report, no one answers the phone, instead I got a recording message.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 or other personal consumer reports

Can you provide me process of verification on the 2 late payment for XXXX XXXX I disputed which means I wouldve been late XXXX & XXXX. The late payment is in relation to a computer error on XXXX end also I spoke with XXXX they agreed to update it and never did so I called back and asked them to listen to the conversation they told me they no longer have access to the conversation. How was this verified? Please update asap!! I also attached the two payments showing theres no late fee so how could it be a late payments. I want this late payment removed off my credit report because its violating my consumer rights and also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done two disputes to XXXX  and XXXX  on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for XXXX  were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my santander account is XXXX and on my XXXX  it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!
Product: Mortgage

XX/XX/XXXXNew Hampshire Revised Statutes Title XLVIII - CONVEYANCES AND MORTGAGES OF REALTY Chapter 478 - REGISTERS OF DEEDS Section 478:42 - Fraudulent Filings. 
Universal Citation : NH Rev Stat 478:42 ( XX/XX/XXXX) 478:42 Fraudulent Filings. 
I. A person may not knowingly present for filing or cause to be presented for filing in a registry or other public office, any type of document that fraudulently purports to be a judgment or other document to memorialize or evidence an act, order, directive, or process of creating a lien without having been authorized under state law, the Constitution, or the laws of the United States. 
II. For purposes of this section, a document or instrument that purports to create a lien on, assert a claim against, or assert an interest in, real or personal property, is presumed to be fraudulent if it : ( a ) Is not certified or ordered by a court or a judicial entity expressly created or established under the Constitution or the laws of this state or of the United States ; or ( b ) Is not a document or instrument provided for by the Constitution or the laws of this state or the United States. 
III. Nothing contained herein shall affect the validity of a mechanic 's or statutory lien created pursuant to state or federal law. 
IV. If a register of deeds or other public official believes in good faith that a document filed with the registry of deeds or other public office purports to create a lien that is fraudulent, the register or other public official shall index the document only under the signer of the document in the grantor index and shall identify the document as a notice in the document type. No other names appearing on the document shall be indexed. 
( a ) The register or other public official shall send a copy of such document to the county attorney for the county where the document was filed or to the New Hampshire attorney general 's office for review and possible prosecution. 
( b ) The county attorney or attorney general receiving a copy of a document under subparagraph ( a ) shall send a notice of the action taken under this paragraph to the person presenting or causing such filing by regular mail at his or her last known address no later than the next business day after such action. 
( c ) Any such document or instrument on file with the registry of deeds or other public office presumed to be fraudulent or deemed fraudulent as described in this section shall be considered invalid, void, and having no force or effect on any named person or persons named within the document or instrument. 
( d ) Any register of deeds or other public official acting in good faith pursuant to this chapter shall be immune from civil and criminal liability. 
V. Any person who knowingly files a document or instrument to fraudulently create a lien on real or personal property shall be guilty of a class B felony. 
Source. XX/XX/XXXX, 86:1, eff. XX/XX/XXXX.
Product: Debt collection

I XXXX XXXX XXXX XXXX do hereby rescind the agreement, transaction, for violating Truth in Lending. Please return any and all property as outlined by the law. 
Respectfully, XXXX XXXX XXXX XXXX.
Product: Debt collection

The XXXX XXXX collections keeps calling my elderly parents looking for me. I did not give permission for them to contact and harass my parents or my work. My parents are elderly and hard of hearing and do not need the worry. They have my address and my phone number. They should not have contacted anyone but me.
Product: Debt collection

Since XXXX, XXXX, I have been getting twice weekly emails from " XXXX '' at Resurgent Capital Services L.P. stating that I owe {$750.00} to original creditor XXXX XXXX XXXX. and current owner LVNV Funding LLC. This is not my debt. I called XXXX XXXX and talked with their fraud department. They have never had an account under my name or social security number. I have checked all of my XXXX credit reports and there is no loan with XXXXXXXX XXXX 

I have not contacted this company using the phone number in the email ( which is not always the same number ) because I suspect this is a fraudulent use of Resurgent Capital Services. I realize that I can stop the emails but that won't solve the issue if there has been some kind of identity theft and this debt is associated with my social security number. Any help in helping me address this situation would be appreciated.
Product: Checking or savings account

I have a HSBC Premier Checking account, which was opened under a HSBC promotional offer in XX/XX/2020. Based on this offer, if I have more than {$3000.00} direct deposit to my HSBC Premier Checking account every month, then I will receive {$60.00} bonus each month. Since I opened this account in XXXX, every and each month I have met the direct deposit requirements. Over the past few month, before the last day of each month, I received the {$60.00} bonus posted to my checking account. However, for XXXX, the monthly bonus posting was delay to XX/XX/XXXX. For XXXX, today is already XX/XX/XXXX, but I still have NOT received the {$60.00} bonus yet. 

I contacted HSBC customer service by email, but they completely ignored me without any response yet. 

I request HSBC to post the $ XXXX  monthly bonus to my checking account immediately, which was supposed to be posted to my account by end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of sending dispute letters to Experian requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Experian chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I made wire transfer to XXXX XXXX XXXX XXXX to XXXX XXXX in the amount of {$5000.00}. When I called XXXX to confirm transfer was received only to find out money was not received, I called Wells Fargo spoke to rep who told it will probably take a couple of days for my transfer to be completed. On XX/XX/2020 I called XXXX rep and was told they had not yet received the money, I then called Wells Fargo and was told the same thing I was told the first time I called. I was so upset since the money was nowhere to be found. I had to XXXX XXXX another {$5000.00} for the merchandise I needed to purchase. I am now negative {$5000.00} in my account because of this issue. I've been calling 3 times per day to find out about my money. As time passed by I became very frustrated and called Wells Fargo to ask to speak to their manager spoke to someone by the name of XXXX who said she would open a claim to investigate the whereabouts of the money. She also told me the account number which the money was sent to had an extra " XXXX '' in it and were not sure where it was at, they have requested XXXXXXXX XXXX  to refund me my money but have not yet heard back from them due to Covid-19 they are experiencing delays. Wells Fargo has taken to long to resolve this issue.
Product: Credit reporting

TransUnion wanted specific information on accounts, I sent these Documents in on XXXX, including police report, affidavits, account numbers. TransUnion sent a letter to me stating refusal to follow CFPB guidelines.
Product: Student loan

I have bee trying to make a payment with XXXX  but my money keep getting reversed back to me. I have checked my account and routing number but they are fine. I keep reaching out to the loan department but nobody ever picks up the phone. I will be sending over all the transaction the school has reversed as well. Now I'm about to be 3 months behind because of there system. Please help as I have tried everything except this. 

Thank You!
Product: Checking or savings account

I sent a money transfer and when the email came back it had a name of recipient of the transfer and it was the wrong person and also someone I do not know. I called Chime within minutes of seeing that and explained to them it went to someone I dont know I must have hit a wrong a digit when sending. The agent assured me this was not an issue and the money would be put back into my account and gave me the case number for this issue. The next day i received a denial to getting my funds back and I once again explained to them it went to someone I did not know and i wanted my XXXX back, I had called within minutes of the transfer so they could stop that transaction. We ended up agreeing after over an hour arguing about how I contacted them within minutes once i got their email showing it went to an unknown source they agreed that I would receive a provisional XXXX into my account with 10 days. Today is day XXXX and I just called them back and they advised me that the case is closed and I would not be getting my funds back. I just joined Chime to get away from the big box banks and this is what has happened to me already within a couple weeks. I don't know how this happened but I do know the funds went to an unknown source and I called the within minutes to advise them and they are denying me my money back. I work hard for my money and i cant afford to just throw XXXX into the wind. Basic common protocols. Any other financial institution has you set up recipients and payees for security purpose. This seemed simple and easy enough but look at the results that come with simple easy, Someone got XXXX free from me and I took out XXXX cash within XXXX minutes so I could pay the correct person the money due to them. I
Product: Checking or savings account

I have filed for dispute with sofi with XXXX bank, and they denied my dispute RE : Acct # : XXXX Merchant Name : Multiple Transaction Date : Total Amount : {$2900.00} requested fof them to initiate chargeback and they havent they claim i have extensive relationship with merchant but i have not received any supporting documents to XXXX XXXX XXXX from them the correspondence with. The merchant they hace not corresponded with merchant or triedto initiate a XXXX  instead of them protecting me working wigh me they working against me
Product: Credit reporting or other personal consumer reports

I am a natural, living human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and Equifax refuses to update and/or remove the accounts from my credit profile. Equifax continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
Accounts : 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 card or prepaid card

Signed up for the Best Buy credit card physically at a store location In around XXXX ( i believe it was Best Buy, in XXXX XXXX, NC ) i didnt do anything online or speak to any credit personel. i filled out the paper application and at the time was also making a larger purchase. I was approved for the credit card at the time of purchase and have an active and good standing credit account with them for the last 12 years. 

I usually kept the balance very low or at {$0.00} most the time i have owned the card, until recently i just noticed that since i used the card a good bit last year i started seeing a recurring monthly charge labeled simply as " DEBT PROTEC : XXXX '' I feel bad the i only noticed this charge until now, i usually pay my bill and dont look too much at my statements. 

on XX/XX/XXXX I called CITI bank and was given another phone number that apparently is the parent company of this scam program called debt protection for best buy CITI cards. 

Not only was the customer service team barely able to explain in good detail what the program did but they also had no clue that there was a over XXXX XXXX dollar lawsuit settled that directly related to the program and more iomportantly people like myself who signed up and started theyre accounts in store on paper applications and was never asked whether or not i wanted to enroll in such program. 

Not only did the customer service tell me all they can do is cancel it and that they could submit a request to refund, they laughed when i asked if i would be refuned the amount of charges i paid over the entire 12 years of being a cardholder and account holder. 

Not only have a been paying into something fraudulent for years and years, i cant even tell how much i paid in total because i can only see my month statements dating back until XXXX. There's an additional 8 years i can not view. 

And on top of all this, during the customer service representive trying to explain what the program was and what it did, she stated that it can also wipe out debt or amount owed if the account holder ever became unemployed or XXXX. 

On XX/XX/XXXX i became 100 % Permanently and Totally XXXX and considered Unemplyable by the Deparment of Veterans Affairs ( i have all paperwork to prove ) and have not had a job in the last 4 years. So i was apparently paying into a program for 12 years, became XXXX and unemployed the last 4 years, and not once did i know anything about this scam program that apparently should have been helping me and did not! 

I really hope you can help me resolve this issue, i feel like i should have been a part of the lawsuit filed in XXXX against CITIBank but again i was kept out of the loop. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is in reference to the overdraft protection I have for my checking account with Capital One Bank.

The site states that " there is no transaction history available and to call a number '' - already suspect.

When you try and pay off your overdraft amount online, the transaction does not go through and no follow-up information is provided. This delays payment and affords Capital One the opportunity to collect interest on the loan. I find this devious and inappropriate.

I called the customer service number on my own accord and was told that there was a known glitch in being able to pay off the overdraft protection amount. This has gone on for over a year. I believe it prudent to see how much money Capital One is making in interest with the " glitch ''
Product: Mortgage

We have a VA home loan that is in default with Carrington Mortgage Service. We applied for a deed in lieu of foreclosure. We are at the point of getting an appraisal but the mortgage company does not have an agent assigned as a single point of contact managing our case. We have not gotten anything in writing about the deed in lieu process. We do n't know our rights and responsibilities as customers. Carrington has not offered clear communication about our rights and responsibilities as customers participating in their deed in lieu of foreclosure option. There seems to be no accountability in mortgage companies and this seems to be our only recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY XXXX CONSUMER CREDIT REPORT, I AM CHECKING ALL INFORMATION THAT IS IN ACCURATE I CAME ACROSS SOME ACCOUNTS SHOWING SAME NAMES TWICE FOR ACCOUNTS XXXX. WHICH IS XXXX XXXX XXXX IS SHOWING TWICE ALSO SHOWING ACCOUNT OPEN ACCOUNT # XXXX. SECOND ACCOUNT UNDER XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SHOWING OPEN AS WELL. 
XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX THERE ARE SOME DISCREPANCIES, INACCURACY, WITH THESE SAME ACCOUNTS. I HAVE A LETTER FROM XXXX XXXX  XXXX, STATING THAT THEY WILL OR HAVE ASK THE CREDIT REPORTING AGENCIES TO REMOVE THE ACCOUNTS FROM MY CONSUMER CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent dispute on XX/XX/2021 to transunion, XXXX, XXXX and, XXXX XXXX through certified mail no. ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) .with a formal dispute with instruction and a affidavit of truth and facts or notice of intent to sue for violation committed by these companies disregarding the law taking abuse on a consumers rights.