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

I am submitting this written request for an investigation into specific items that I believe have been inaccurately reported. These items contain errors that are causing me both financial and emotional distress due to their adverse impact. The following items should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items should be removed from my credit file ASAP. The items listed are entirely erroneous and require correction. I am aware that, in accordance with the law, you are obligated to conduct an investigation within a thirty-day period. I eagerly anticipate your response. Take note that I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Checking or savings account

I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? 
The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX frustrated to see inquiries from your company on my credit report that I never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a summary from Experian where they continued to leave their error unresolved. 
They report that I have a delinquent account and yet they see that all accounts have been of the following. 
1 ) Paid, Closed/Never late 2 ) Open / Never late 3 ) Transferred, closed / Never late Yet in Experian 's page one of payment history, they incorrectly and fraudulently show 95 % on-time payments and on page two of their report, they register one account with late payments. The problem is that this is INCORRECT. In all the accounts that they list for me, they have nothing that shows a late payment or delinquency. And Yet, they have this delinquency flag showing something other than 100 % on time payments. 

This error is causing my XXXX  score by Experian to be wrong, They list XXXX whereas XXXX and XXXX both report 100 % payment history, less than 5 % utilization, and XXXX scores of over XXXX. Experian is Wrong and have NOT been able to resolve this issue for the past 3 years!! 

I have been on the phone with Experian for well over 6 hours this week alone and countless Hours trying to FIX this. I have provided over 30 pages of documentation and even credit risk advisory to help them resolve this that falls on deaf ears and Experian staff that do not help. 

Listed below is some of the correspondence that I am trying to resolve to provide the correct XXXX  score!! 

Thank you for contacting us regarding your Experian XXXX XXXX membership. We apologize for the delayed response. This email is in regards to ticket # XXXX that was submitted concerning issues you were experiencing with your credit report. 


Our technical department has determined that there is no error regarding your Score Factors. If it appears that there may be a derogatory indicator on your Experian credit report through the Experian Credit Bureau, please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. 

NO ONE at Experian seems to be able to help resolve this Issue!
Product: Credit card or prepaid card

I RECEIVE UNEMPLOYMENT BENEFITS, I REPORTED TO UNEMPLOYMENT OF ADDRESS CHANGE THEY UPDATED MY INFO, AND USBANK RELIACARD WITHOUT ANY COMMUNICATION BLOCKED MY CARD, ONLY WAY I FIND OUT MY CARD IS BLOCKED AND INFO THATS NEEDED ONLY WHEN I TRY TO PAY MY BILLS AND GET DECLINED KNOWING I HAVE FUNDS BUT RELIACARD HAVE BLOCKED MY ACCESS BECAUSE THEY WANT PROOF OF ADDRESS CHANGE. I PROVIDED THEM WITH THIS ON SEVERAL DIFFERENT DATES XXXX XXXX ... .ON XXXX, I RECEIVED A RESPONSE LETTER FROM THEM STATING THEY RECEIVED MY DOCUMENTS AND NO FURTHER ACTION IS NEEDED. XX/XX/XXXX MY ACCOUNT WAS DEACTIVATED AGAIN, I CALLED AGAIN ASKING WHY NOW, EVERY REPRESENTATIVE TOLD ME SOMETHING DIFFERENT, AND YOU CAN NEVER TALK TO THE PEOPLE THATS ACTUALLY BLOCKING YOUR ACCOUNT TO SEE WHAT IS IT AND WHY IS THIS HAPPENING, THEY CONTINUE TO TELL ME TO POVIDE PROOF WHO I AM, I HAVE SEVERAL TIMES I EVEN WENT ON THE VERIFY.USBANK.COM/ID.RETAIL ON XX/XX/XXXX AND ANOTHER XXXX ON XX/XX/XXXX TO UPLOAD MY ID AND TAKE A SELFIE WHICH IS STUPID BUT I DID IT, THEY HAVE YET TO RESPOND TO THEM. I WAS THEN TOLD ON XX/XX/XXXX TO RESUMIT MY DOCUMENTS AGAIN AND I DID XX/XX/XXXX ... I HAVE MONEY THAT I CAN NOT ACCESS, I AM A MOTHER OF XXXX AND WE ARE IN THE DARK BECAUSE OF THIS NONSENSE. THEY SAY THEY NEED TO KNOW I'M WHO I SAY I AM WHAT MORE DO THEY WANT, I PROVIDED ID FRONT AND BACK, I PROVIDED LEASE, SOC SEC CARD, TAX INFO FOR XXXX. THEY HAVE MY EMAIL AND ADDRESS AND TELEPHONE NUMBER BUT YOU NEED TO PROVE WHO I AM AND IM SENDING DOCUMENTS IN AND IM GETTING NOWHERE IN THE MEANTIME BEHIND ON MY BILLS AND SHUT OFF NOTICES. THEY ARE VERY UNREASONABLE AND UNPROFESSIONAL AND UNORGANIZED TO MAKE THIS BIG HASSLE OVER AN ADDRESS CHANGE, THIS IS NOT NECESSARY TO HANDLE MATTERS THIS WAY, NO COMMUNICATION NO RESPONSES, JUST SILENCE, THERE'S ALREADY HARD TIMES WITH THIS COVID AND THIS COMPANY HAVE DONE NOTHING BUT CONTRIBUTE TO MY STRESS, NOW ME AND MY CHILDREN ARE IN THE DARK BECAUSE OF THEM HOLDING WHAT BELONGS TO ME. IM ASKING FOR ASSISTANCE AGAINST THIS COMPANY TO RELEASE MY FUNDS SO THAT I CAN PAY MY BILLS, AND I MAY NEVER EVER DEAL BUSINESS WITH THEM AGAIN AND WOULDNT RECOMMEND THIS COMPANY TO NOONE.
Product: Money transfer, virtual currency, or money service

I got scammed from XXXX XXXX from XXXX, TX and I didn't know he was from Texas and I wanted my {$1000.00} back he took from me without sharing information on what this is about and I reported this to the police and hopefully catch this jerk!!!!!
Product: Credit card or prepaid card

I was told by capital one both my accounts were closed after. Paying both cards off XXXX found out attempting to rent a car. I could not use the card. One of the cards that they stated was closed was used months prior to secure a hotel reservation. Upon finding out the accounts were closed I used a paid debit card exiting the hotel. I do not know how that card was charged. They can check their hotel cameras. I had to use my sons pay pal to secure the car rental that day for my youngest son college trip. I remember this day because I was devastated and shocked I could not use the cards for the car rental because I was not aware my accounts were closed by capital one and I thought I wasnt not going to be able to make the trip with my son.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] XXXX MS XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Dispute of Misinformation on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the misinformation reported on my credit file. My name is XXXX I have recently reviewed my credit report from XXXX and other credit reporting agencies and identified several inaccuracies that I believe are negatively affecting my credit score and overall financial standing. 

The following are details of the accounts I am disputing : 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 Current Address XXXX XXXX XXXX XXXX. XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX I request that the Consumer Financial Protection Bureau investigate these inaccuracies and assist me in rectifying my credit report. Under the Fair Credit Reporting Act, I am entitled to accurate information on my credit report, and I appreciate your prompt attention to this matter.

Please inform me of the outcome of your investigation, and if corrections are made, please send me an updated copy of my credit report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

This rental company has attempted to charge me an additional {$100.00} for my last rental payment in XX/XX/year> even though I terminated my lease before the new amount took effect in XX/XX/year>. My initial rental payments monthly were {$1700.00}, and they are attempting to collect {$1800.00} for the last months rent. However, this company has not returned my {$1700.00} REFUNDABLE deposit that was paid when renting from them, and according to XXXX law the deposit paid can be used towards the last months rent if need be. It is illegal to keep a deposit when it is stated to be refundable, and try to collect more funds when the lease was terminated prior to the renewal date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since Experian added incorrect name and address and employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer immediately
Product: Debt collection

Talking to other people bout this and not me! Keep saling the loan and threaten me bout being sue and losing jobs!
Product: Credit card or prepaid card

I rented a car through XXXX when I visited XXXX on XXXX. I was charged for damage to the car I did not cause. I have a picture of the damage prior to getting in the vehicle and it is timestamped to show that it was prior to the rental. After returning the vehicle I mentioned the damage and how it was there prior but the rental staff did not do anything about it and I went on my way. A few days later I noticed a charge on my Citi credit card with a charge for the damage that I did not cause. I first reached out to XXXX as it was there issue and not CitiBanks. However they did not respond they claimed I caused the damage and were not helpful even though I had proof. After reaching out to XXXX I decided to go through CitiBank and dispute the charge in hopes that they would ask for my evidence. However they only reached out to XXXX XXXX to get there side of the story and closed my dispute without looking at my evidence which clearly proofs I was not at fault. The total amount charge for this incident was {$170.00} and was charged under the name of XXXX XXXX XXXX XXXX.
Product: Debt collection

I am requesting to have the following accounts that are reporting on my credit report removed immediately due to being the result of identity theft as well as fraud or reporting inaccurately. The accounts referenced are : XXXX XXXX XXXX $ XXXXOriginal Debt collector was XXXX. reached out to them requesting proof of ownership and they were unable to provide me with this information and the account was removed from my credit. I then found out that they sold the debt to XXXX XXXX XXXX and when I reached out to them for the same requested information, they were unable to provide me with that as well. They have already been removed from the other bureaus due to fraud and identity theft. 
XXXX  XXXX $ XXXXAccount was written off but this is not my account. I requested proof of ownership over 5 months ago and was not provided with the information. 
XXXX XXXX XXXX Paid settlement {$270.00} but is reporting as written off. 
XXXX XXXX  XXXX Paid {$150.00} and reporting as a charge off Money Lion XXXX Paid {$380.00} but reporting as a charge off XXXX XXXX Paid and was closed but is reporting negatively on my report XXXX XXXX  XXXX $ XXXXThis is not my debt. I have reached out to this collector on numerous occasions asking for proof of ownership as well as a signed purchase agreement months ago and they have yet to provide me with that requested information, instead XXXX XXXX sold the debt to another collector named XXXX and now it is reporting twice on my report. This is not my debt and is a result of identity theft and fraud. 
XXXX XXXX  XXXX XXXX XXXX is reporting on my report but was sold to XXXX. I have reached out to this collector on numerous occasions asking for proof of ownership as well as a signed purchase agreement months ago and they have yet to provide me with that requested information. This is not my debt and is a result of identity theft and fraud. 
XXXX XXXX paid but reporting as charged off I would also like the following hard inquiries removed due to them not being my inquiries and a result of identity theft and fraud : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> PA XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I owed XXXX dollars to my previous dentist. 
They sent it to a collection agency with wrong contact information, wrong phone number and wrong address. 
afterwards as I was applying for home mortgage, the bank figured it out and gave me the collection agency phone number. 
I paid the balance in full the same day. 
After that I asked the collection agency to remove it from the credit reporting they hung up the phone on me. This is the only incident that negatively affected my credit history all my life.
Product: Payday loan, title loan, personal loan, or advance loan

my information was effected by the XXXX XXXX XXXX
Product: Credit card or prepaid card

This is another attempt to resolve an issue with the company and debt collector Capital One, and according to 15 USC 1692a ( 6 ) capital one is in fact a debt collector because they repeatedly use the mail for the principle purposes of collecting an alleged debt. 

I, XXXX XXXX, ( my, I, me ) am a consumer. 
Capital one has federally violated and continues to violate my rights as a consumer, and natural breathing person by committing fraud and taking ownership of an account that was created for me, XXXX XXXX, on XX/XX/XXXX and closing the account ending in XXXX with unauthorized use pursuant to 15 USC 1602 ( p ). 

As of XX/XX/XXXX Capital One received a notice to cease and desist communication and illegal activity pertaining to the account ending in XXXX. During this time, I also requested Validation of the alleged debt ending in XXXX, which Capital one said I owed.

Capital One refused to comply by still communicating/reporting missed payments in regards to this alleged debt and the closure of this account to a credit reporting agency therefore in violation of federal law pursuant to 15 USC 1692c ( b ) Capital one also failed to VALIDATE the alleged debt pursuant to 15 USC 1692g by stating they found verification which is not validation by public records which is also invasion of privacy. 

It is fact that the account was closed not by me, XXXX XXXX, a consumer and creditor pursuant to 15 us 41, but by Capital One, the debt collector, and without proper validation of such alleged debt. 

It is fact Capital One is at fault. 

All exhibits are enclosed, thanks.
Product: Mortgage

Deceptive lending practices, discrimination, and retaliation. 

Roundpoint is hiding information and refusing to send the account reconciliation after numerous requests. Retaliation also started after the XXXX complaint. XXXX XXXX said they can not deal with me because of the complaint and their supervisor will reach out the next day. The supervisor above them has a title of social media manager and they never contacted me. Followed up with XXXX to let him know I have not been contacted and got zero response from him or anyone else moving forward. I called again the following week and the new supervisor XXXX is blocking me from escalating the issue and has not sent the account reconciliation. I have also messaged and asked them verbally to stop limiting access on the phone app. 

Their deceptive lending practices need to be investigated. They acknowledged they have not fixed anything in XXXX and a half months and agreed the payment listed is wrong after me explaining it to them numerous times but are telling to pay an incorrect payment and threatening to hurt my credit because of their short comings. 

I have asked numerous times to have the issue escalated and they refuse to do it.
Product: Credit card or prepaid card

In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy and one of my debtors was Chase bank with who I had a credit card. After filing bankruptcy, Chase processed an automatic payment of {$500.00} from my checking account. Prior to my bankruptcy, I purchased concert tickets through XXXX on my Chase card totaling {$460.00}. On XX/XX/XXXX, I received a letter from Chase informing me that they were going to refund my {$500.00} payment as they can not accept payment after I filed bankruptcy. Also, the concert I purchased tickets for was canceled so {$460.00} was refunded to my closed Chase credit card on XX/XX/XXXX. I still have not received the refunded payment or the concert ticket refund. I have contacted Chase customer service multiple times and was informed that the check was in the mail. In XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX XXXX, CA where I spoke with a personal banker. He contacted Chase customer service to find out what was going on, but he was unsuccessful. The customer service agent said she would contact me within 24 hours with an answer. I never received a return phone call. In the fall of XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX, CA. I spoke with one of the bankers about my situation and she took copies of the paperwork I had regarding this issue. She contacted me a week later letting me know she was still working on it, but I have not received any further communication. It is now nearly a year since I received the letter from Chase, but I still havent received the payment or ticket refund. I will attach the email string from XXXX showing that the refund to my Chase card was successful as well as the original letter from Chase telling me about my payment refund.
Product: Credit card or prepaid card

I've been purchasing furniture for my new home that I will be moving to at the end of this year. I ran into several declines when making purchases on XX/XX/2022 due to suspected fraud. I cleared each of the text alerts to confirm the purchases were made by me. However, it kept happening for numerous purchases. Ultimately, I was able to make the purchases after numerous attempts and frustration. On XX/XX/2022, I called Chase as I was planning to make additional purchases and wanted to be sure there were no further issues. I was informed by the first representative that Chase placed a security freeze on my account without notifying me in anyway. She transferred me to a member from the fraud team, which I explained the situation to and he helped me get things situation to ensured that I'd be good to go. He cleared the fraud hold from both my credit cards and added the address I'll be moving to eventually ( that I was shipping the furniture to ) as the secondary address on my account. He promised me that I'd have no further issues. A few hours later, I made a purchase with XXXX that went through, just to find out from the merchant several minutes later that Chase actually reversed the charge, and re-placed a fraud hold on my account. I called Chase back and got a supervisor who was serving as a back-up for the Fraud team since they closed XXXX minutes earlier. He spent over XXXX minutes re-verifying me and asking me numerous questions just to tell me that the fraud team added an escalated hold that only they can clear. They don't do call backs, so I have to take more time to follow up with the Fraud team during their business hours to clear up their incompetence. This is the third time in the last 2 years that the Fraud team has blocked my card right when they closed, leaving me stranded without an alternative when I needed to make a critical, time sensitive purchase. This is unacceptable that this team has so much power and no one else can help customers address critical needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX Now Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with XXXX Now Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines XXXX XXXX Equifax XXXX  and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help me??!!!