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

After reviewing my consumer reports, I noticed late payments reporting inaccurately on an account I have not made any late payments to. It is imperative that reporting agencies report accurate information. I am requesting an investigation and evidence of any late payments to the following account : [ XXXX XXXX XXXX XXXX ]. If you are unable to provide evidence of a late payment I would like it to be updated to reflect is true status as paid on time/never late.
Product: Credit card or prepaid card

purchased vanilla gift card for {$200.00} near end of XX/XX/XXXX to make a purchase with XXXX. i placed order with XXXX to find out the card had XXXX balance. i called and placed with vanilla a dispute that the dollars had been stolen. i received email stating my signature form had been received and could take up to 90 days to resolve. i followed up with a call on XXXXwas told it was in progress. called again XX/XX/XXXX, was told to call back 24 to 48 hours to get results of dispute. called again XX/XX/XXXX, was apologized to but asked for another 24 hours and call again. called again XX/XX/XXXX, now they are saying i did not return the required signature so nothing has been done. i have been very patient up to XX/XX/XXXX but now i am just getting a run around so i am filing this complaint
Product: Credit card

Reviewing my credit report I could notice that in the past they opened 2 accounts which do not belong to me, those accounts were disputed and one of them was removed from my credit.

Unfortunately Capital One I have not had any kind of response from them, where I am notified that I have an account in collection and closed with them for an amount of {$370.00} which does not belong to me nor am I aware of said account. 

For this reason I request that the corresponding investigation be done so that said account is removed from my credit report since it is affecting me in a negative way because it includes a closed account, in collection and with late payments.
Product: Checking or savings account

This is a " banking '' app that is supposed to be a bank account. I and all my children have accounts through them, so I can use it to pay them for allowance, chores, etc. I opened the app to pay my son and it showed I was logged out of it. When trying to log in it gives me an error message, " Something Went Wrong. Please wait a moment, and try again. '' I have tried wiping all data, uninstalling and reinstalling the app, and I even tried it on another phone. I first contacted support at the end of XXXX. Support has been useless and slow to respond. They have asked me to do the actions I described above, but nothing has changed. They take days to respond, and several times have come back saying they see the problem has been resolved, though it has never been resolved and I have been unable to access my account. They went 14 days since their last communication to me, and then just sent me a message again saying that they saw it was resolved, even though it has not been. Now they have transferred all of my son 's money from his account into my inaccessible account, so neither of us can access our money now. For a banking app, they have been useless for actual banking as we can not access our own money!
Product: Debt collection

Received a call on XX/XX/XXXX from a representative at Cawlee and Bergmann. Sent a cease and desist and I have received two more calls since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : 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

I called TransUnion LLC in XX/XX/year> and spoke with an agent whom I advised that I wanted to dispute and remove all and incorrect personal information from my credit report including any and all Name variations, addresses, employers and phone numbers. I provided the agent with the following correct Personal information that should appear on my credit report. Name should only appear as : XXXX XXXX XXXX. My current and only address that should appear on my credit report is XXXX XXXX XXXX, XXXX, FL XXXX. The correct and only phone number that should appear on my credit report is XXXX. On XX/XX/year> I received a copy of my current TransUnion credit report and there are still 13 additional addresses listed in addition to the correct address that I provided. the phone number listed, XXXX is not my correct phone number.
Product: Mortgage

I had a XXXX Line of Credit from Bank of America ( BOA ) that was in excellent standing since 2010. My monthly bill was between {$200.00} - {$400.00} /per month. 
I have ( 4 ) complaints as outlined 1. Out of nowhere BOA sold my account to XXXX XXXX ( XXXX ) who raised my payment over 400 % in ( 6 ) months. 

2. I called and setup auto payment up to {$500.00} /per month, yet they withdrew {$750.00}, then {$1100.00} without notice or permission.

3. New requirements were asked of me to included certain additional insurance coverages that was NEVER required from the inception of the loan.

4. Before the sale of my loan BOA changed the terms of the loan over the phone that has adversely affected my ability to get a flat verses variable rate for NO reason. 

I only owe XXXX on a house worth XXXX .... yet these folks are forcing me out of my home.
Product: Credit reporting or other personal consumer reports

Experian multiple dates over past year. My complaint is that their phone number for consumer help does not have an option to talk to a human being XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$17000.00}, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings, I am formally requesting a review of unauthorized inquiries on my credit report and urge XXXX, Equifax, and XXXX to conduct an investigation and clear these entries as mandated by law. The inquiries in question are : 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit cards do not appear on my transunion credit report and they are more than XXXX XXXX XXXX. This has brought me many problems when requesting new credits since I do not have that history. it's all because there's a mistake in my name. which I sent to modify for XXXX XXXX with transunion with letters and calls and I have not achieved the objective, my XXXX XXXX XXXX last names come together in a XXXX  word, when all I want is to be separated or just leave me with only XXXX name and a XXXX last name as it has : XXXX XXXX. XXXX. experienced. XXXX.
Product: Credit reporting or other personal consumer reports

When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified!

It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as e-Oscar, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus!

If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX of XXXX # XXXX, XXXX credit # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with MR.COOPER ( my current mortgage lender ) on XXXX regarding their current home refinance rates. I notified the individual on the phone that I was already working with another lender for a refinance, and I was just looking to hear from MR. COOPER about what they could offer. The individual on the phone asked me some questions about home value and income, but presumably already had my SSN and other information about me because they're my current lender. I became extremely uncomfortable when XXXX XXXX ( the agent on the phone ) asked me to sign something that she had just sent over via email. I told her that I was merely looking for what rates they had ; not to fill anything out. I ended the call. She called me back repeatedly, but I was not interested and not comfortable with speaking with her any more. Then, on XXXX, MR COOPER pulled my credit for a hard inquiry for a mortgage, to which I never consented. In addition, they damaged my credit score, causing it to decline by a few points, which is now an issue for the loan that I have in underwriting. I at no time gave consent or filled out an application. I have received emails from MR. COOPER during the week of XXXX about signing loan disclosures. I did not apply for a loan, and my credit was pulled without my consent.
Product: Credit card

I am filing a complaint against Cash app due to inadequate customer service, unfair practices, and fees thats wasnt addressed! Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Credit card or prepaid card

I got a letter from Synchrony Bank, XXXX PA, stating that I tried to open a credit card from Synchrony Bank for my Paypal account. ( XXXX XXXX : XXXX ). 

I NEVER TRIED TO OPEN A CREDIT CARD for my Paypal Account ( associated with XXXX ). 

I tried to report this fraud to Synchrony Bank, but I have no way to contact them unless I already have an account with them. Therefore, this complaint is against Synchrony Bank because I have no way to report fraud to them unless I already have an account with them. 

( BTW, I actually do have an account with them associated with the retail chain PC XXXX, but this fraud attempt described above is NOT ASSOCIATED WITH THAT ACCOUNT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Equifax received a dispute letter with several accounts I have found to be invalid ( XXXX - attached letter and CMRR - XXXX XXXX XXXX. It 's now over 40 days and I have not even received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I opened a leased account with XXXX XXXX through JP Morgan Chase financing. 
XX/XX/XXXX, the lease was completed and I was offered by XXXX for lease buy out financed through XXXXXXXX XXXX XXXX 
On XXXX, I started paying the monthly payments to XXXX XXXX XXXX with no fail. 
However, on XX/XX/XXXX, when I was about to go to work I was do worried that I could not find the car in our apartment complex 's parking lot. We thought it was stolen, only to find out that Chase repossessed our car. This was so upsetting since I have already made a total of on time payments to XXXX XXXXXXXX XXXX 

I contacted XXXX to help me resolve the case, they provided a loaner car for me and at the same they also contacted Chase to straighten the issue. 

However, my credit report is showing I have a record of repossession. I disputed this twie with Chase but Chase did not honor my dispute. 

I am needing help from the authority with this matter as I am left with no other option. I have not been able granted access to credits because of this negative reporting when me and my wife were looking to buy another car.
Product: Checking or savings account

On Sat XXXX XXXX I rented a car from XXXX Car rental located at XXXX XXXX XXXX XXXX XXXX XXXX FL. A fraudulent charge on my CHASE BANK debt card in the amount of {$4600.00} by XXXX XXXX EXPORT on XX/XX/21. I didn't have sufficient funds to cover that fraudulent charge but CHASE BANK was neglect and paid the transaction and is holding me responsible with my Chase Bank checking account overdrawn. I strongly believe Law enforcement and Legal action is warranted against CHASE BANK and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL.
Product: Debt collection

Transunion has yet to contact me and Its been over 30 days since I sent them a letter Transunion has committed fraud a collection from a company XXXX XXXX XXXX XXXX from XXXX was updated to XXXX to add more time instead of Transunion deleting the incorrect collection that was placed on my report without my knowledge or consent They have engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I demand you to remove this account from my credit report asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

Transunion also deleted XXXX XXXX from my report and added it back
Product: Debt collection

When I signed up for XXXX XXXX XXXX, I was told explicitly that I was signing up for a 12 month plan only and that my card would only be charged for that amount. I was sent an invoice for an extra month and after a conversation with customer support, it was determined that this was an invalid charge and they refunded this to me. They also sent me an email stating as such. I recently received a letter in the mail for debt collection for this amount.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Payday loan, title loan, or personal loan

I had to take a loan from LendingUSA to pay for my husband 's cremation in XXXX of 2021. I had to request a deferment while waiting for Social Security to start for me The company was very accommodating and I appreciate that ... .however they made my payment due date on the XXXX of the month which is a problem because I don't receive benefits until the XXXX. They will not accept payment over the phone with my government issued debit card because it's not linked to a bank account. I spoke repeatedly with their reps to no avail. I thought I had finally made some progress when XXXX said he could get my card approved for payments and could change my due date to the XXXX XXXX of the month. He did change my due date but my card is still not accepted. He also failed to tell me you can only ask for this change once. So now I'm getting hit with a late fee EVERY month as well a barrage of collection calls every month which causing my credit to take a hit. I've tried to address this with every rep who calls me and they ignore me or say there's nothing they can do ... ..I 'm a XXXX  on a fixed income please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a XXXX XXXX credit Card Account with XXXX  in 2012, I paid off my XXXX XXXX credit card account ending in XXXX, XXXX  Bill my account {$650.00} in fraudulent late fees. 

Furthermore XXXX  used unfair and deceptive business practices. I have disputed the billing issues numerous times on Experian and XXXX  responses to Experian were The information is correct : default
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Garnishing wages in the sum of XXXX after collections was already taken by previous debt collection. Sent notice of garnishment to wrong address after the original company has new address and has not communicated since debt being written off, original loan company refused to collect collateral of debt and garnished wages instead.
Product: Checking or savings account

On Friday, XX/XX/2022, I filed a fraudulent and unauthorized dispute with XXXX XXXX XXXX, and was told I would receive the provisional credit within 10 days! The bank failed to do so and compiled false evidence in the dispute process. Branch manager XXXX XXXX Stated and I quote " he pretended to buy a phone from the merchant and found evidence that there is an agreement about the payment was supposed to be split between 36 months a bank officer went outside of his duties and the dispute department went outside there duties and compiled illegal evidence against the consumer! Broke Regulation E and has not put any funds in the account! 
I sent the document for the dispute the banks position was I was already made whole!
Product: Debt collection

Navy Federal Credit Union is violation of the following : 1.15 U.S. Code 1681s-2 1. Responsibilities of Furnishers of Information to Consumer Agencies.

a. My consumer report should be noted as " UNDER DISPUTE ''.

2. 15 U.S Code 1682g Validation of debt ( a ) ( 3 ) ( 5 ) ( e ) a. Through proper validation NAVY FEDRAL CREDIT UNION would acknowledge that they do not have an instrument or documentary evidence with my wet signature.

3.15 U.S. Code 1681c Requirements relating to information contained in consumer report a. Navy Federal Credit Union has begun the tactic of re-aging my consumer report so that they continue to make negative remarks regarding payments.