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

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to EXPERIAN Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX OF XXXX XXXX XXXX DATE OPENED : XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX  XXXX DATE OPENED XXXX XX/XX/XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Capital one was In charge of my account when I attempted to link my external bank account named XXXX to capital one. Which was all fine untill they froze up my account and refused to give.me access to my funds. I have to call 6 times whilst at work to get things figured out. I did also authorize 2 incoming transfers from my XXXX  XXXX  account of XXXX to capital one which said reversed on capital ones side but has since been taken out of my XXXX  XXXX  account. I'm sure it's just a misunderstanding. As XXXX sees the funds as in transit from their side. They stated that I could not move my money from my checking out at XXXX to capital one as they see them as a prepaid service. Even though capital one is very similar in nature. After all was said and done capital one blocked my account again as I still had my transfers pending so I had to stop taking my very important XXXX medication as XXXX was a fairly new account and I had the debit card on the way. Capital ones representative told me that I was XXXX. And that I " shouldn't have tried to link that account again '' and laughed at me Over the phone. To add to my pain capital one also declined to pursue my charge backs against etoro after my cell phone was stolen and fraudulent charges were made via that platform. I had email correspondence from.etoro stating that my account was compromised via my old device. And attempted to provide said proof to capital one and they refused to see it. All they wanted to do was wipe their hands clean of me. And good riddance if I might add. I have had nothing but trouble.using them my card was always getting compromised and they would never provide updates for my Disputes.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

this is to provide more information to the investiagtors regarding this fraudulent application. I have attached the most recent response from elan financial. They state that I sent in an identity theft victim 's affidavit to them but I never lived at the address they claim this form was sent from. I XXXX  this form and it is a generic form that anyone can send in. It is my understanding that many credit repair companies use this form and is used by many for identity theft. The phone number XXXX is not my number and if it is under my name then someone has opened it fraudulently under my name. I respectfully ask that you review this information and close this fraudulent account. If there is anything else you need to help resolve this, please let me know. I need this account closed out because you are reporting this account with my social and allowing access to my current information to the identity thieves by your continued reporting of this. I do not want more accounts opened using my social.
Product: Credit card

Submitted a dispute on XX/XX/XXXX. Synchrony bank closed my dispute shortly after without any investigation. Called in to re-open dispute on XX/XX/XXXX. Dispute was closed again with no investigation. On XX/XX/XXXX, dispute was reopened. This went back and forth numerous times, until the dispute was closed again with no investigation conducted. 

On XX/XX/XXXX, was told dispute was denied. No investigation was done ( again ). 
Called in again on XX/XX/XXXX and again on XX/XX/XXXX because of repeated difficulty to reach a human agent. Now told to fax my evidence ( for the first time ). I did. Received voicemail from Synchrony acknowledging receipt of fax on XX/XX/XXXX. 

On XX/XX/XXXX, told no fax was ever received. Dispute was closed again. Told to fax again. I faxed again. 

XX/XX/XXXX. On hold for 24 minutes with an agent only to have the call drop. Called again, told no fax was ever received. Throughout the entire 4+ months, no investigation was ever conducted. No information was requested from me. I still have not received my money back.
Product: Debt collection

On XX/XX/XXXX FCI Lender Services , Inc initiated foreclosure actions on my property. They allege that I owe {$180000.00} for a loan that I allegedly took out from a now defunct bank i.e. XXXX XXXX XXXX in XXXX. From their payment statement the loan is 3945 days delinquent. I have repeatedly ask FCI Lender Services to validate this debt but to no avail. I received the foreclosure documents from their attorney XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX CT XXXX with a foreclosure sale date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting Act Capital One, has violated my rights. 

15USC 1681 Section 602 States I have the right privacy 15USC 1681 604A Section 2 : It also states a consume reporting agency can not furnish a account without way written instructions. 

15 USC 1666B A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late fr any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One double reported my amount of debt so my amount of debt looks like im using 250 % but my report clearly says i have a balance of XXXX $ and a total credit line of XXXX I'm struggling to repair my credit as is with unsurmountable student loan debt that ill end up dead, literally, before I have a chance to even pay on. Credit scores ruined my life. Literally. Please fix this, you have done enough damage as is. I have almost killed myself twice. Two times because I cant see a way out of  this mess. Just fix it XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to Experian, XXXX and XXXX  and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account is in violation of ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is reporting as charged off but is reporting as opened the account is also showing a balance but a balance is not owed because it was charged off this account is reporting and violating the accuracy rule
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Comenity Bank Bread Cash credit card charged me twice for the XX/XX/XXXX statement and I paid twice {$1100.00} on XX/XX/XXXX and XX/XX/XXXX. 

When I realized that they charged me twice for the exact same statement, I asked to be refunded for the second payment. They didn't do it, so I asked my Bank to return the second payment to my account and they did. 

After my bank returned my double payment, Comenity Bank returned it too, so I paid Comenity Bank {$1100.00} again on XX/XX/year>. 

The balance should be {$0.00}, but Comenity Bank is still showing that I owe {$1100.00} and pressuring me to pay. 

Comenity Bank customer service was not helpful and they never apologized for charging me twice for the same statement, instead, they insisted on me paying double for the same statement. 

I asked for an audit to be done on the account because I suspect that they might charged me double in the past and I didn't notice it, but they have not done so. Please see attached paperwork. I was referred to you by the XXXX XXXX XXXX 

Please let me know if additional information is needed. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have asked repeatedly that an account by the name of " XXXXXXXX XXXX '' which has been sold to " XXXX XXXXXXXX XXXX XXXX '' which now has a balance of XXXX is showing on my credit report. I have advised Transition this account does not belong to me and it was noted based on communication from transition that this account has been " blocked '' or deleted from my credit report however I am still seeing this account showing on my credit report as of XX/XX/year>. Again I ask that this account which does not belong to me is removed from my credit report. This inaccurate reporting has hindered me from being able to obtain credit. Previously I have uploaded a police report and ID theft report I am hoping you all still have that for your record. 

Here is the response below from a previous complaint " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you the documents you provided were incomplete and included a TransUnion affidavit for you to complete and return. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. The dispute investigation ( s ) that were initiated for the following account ( s ) and/or public record ( s ) have been cancelled at your request : ''
Product: Money transfer, virtual currency, or money service

My account was permanently banned PayPal refused and balantly lied in my first complaint. My account was banned on XXXX the XXXX not over XX/XX/XXXX. My account was banned because of me get lump sum of XXXX from a friend for my stuff he bought. When I tried withdraw it be some this whole back and forth. They wasnt XX/XX/XXXX rewiew. One his agent got mad banned me again. That why it seems like I got 2 bans in which I recovered I am planning on suing this company. They steal money from people and pass it on. As for unemployment. My friend who recently got out jail. Used my PayPal account number to receive his unemployment. For a few weeks before I changed it. PayPal didnt have problem with than why have problem with it now. It been 200 days since the permanently ban. I just want my funds back. Tell the company to give me my money. PayPal is terrible scamming there innocent consumers. Worst part the guy who sent the XXXX was limited for 180 days but got his account back in one month.
Product: Credit card or prepaid card

I have been in the process of trying to transfer a balance to a new card from  Chase Card Services for a mont h. A cashier 's check was sent to  Chase Card Services   on   XXXX   XXXX    2017   for the full amount of my card balance in order to transfer the balance to my new card. I first called  Chase Card Services o n    XXXX   XXXX  2017    . I was told that when a check is received, it would be posted to my account. Also, told that there was nothing that could be done on their end in the process, except for posting the payment when received. The representative told me it could tak e 7-10  business days to process the payment. I was also told that I would be charged an interest payment, so my balance transfer would n't be my last payment. I waited several days before calling back on    XXXX   XXXX  2017    . I was told that the check had not been received. I asked to speak to a supervisor, at this time. The Chase supervisor told me the same information about processing the payment, but also added that it could tak e 3 weeks to a month to process this type of payment. In the meantime, I had to make 2 pay ments-one to  Chase  and  one  to my new card company on the same balance. I 've now received another reminder fro m Chase that my ne xt payment is due, still no balance transfer posted. I 've spoken to credit lenders and reviewed timelines for balance transfers to take place, and 30 days is excessive. I 'm concerned that my balance transfer is purposely being delayed in order for  Chase Credit Services  to continue to receive payment and interest on an account I have made efforts to transfer.
Product: Mortgage

We are working with multiple vendors but one specifically have been having difficulty with. Cross Country Mortgage will not give us an accurate Loan Estimate even after filling out their application and providing additional information like number of accounts and balances. I tried following up with the Loan Officer and he gave a Loan Estimate with a XXXX XXXX interest rate and would not provide an accurate rate based on verbal conversations until we agreed to move forward. 

We have found this loan officer to be pushy, and difficult to work with but feel its important that others do not fall into a trap based on not having transparent information upfront before moving forward with a loan and getting locked into something.
Product: Money transfer, virtual currency, or money service

I used XE.com in order to send money to my father in law down in XXXX. First, I sent a test transaction of {$1.00} to ensure it would transfer, and my father in law did receive that transfer. Then I sent the full amount I needed to transfer, which was {$1400.00}. The money was taken from my XXXX XXXX bank account on XXXX, and according to the XE.com website, it was delivered to my father in law on XXXX. But my father in law never received it. So, on XXXX I started working with XE.com to try and track it. So far, I have provided XE with my father in laws XXXX  number and his ID number. I even had to send copies of my father in laws bank statements in order to prove he hasnt received the money. I found that offensive and invasive, but I complied with XEs request. Now, its been well over a month, and I still dont have any resolution. I either want the transfer to go through or my money back. I have been asking them for updates, but XE has stopped replying to my emails for the past 4 days! At this point I dont know what to do, please help!
Product: Credit card

I got an American Express Business gold rewards card with XXXX miles if i Spent XXXX dollars within 3 months. About a month in I had spent {$4000.00} dollars and my accounts were all suspended for a financial review. I was very prompt sending in all of the required documents and the financial review ended up still taking over two months due to the account manager taking a 2 week vacation in the middle of the review, without telling me. During these 2 months, the deadline to spend the {$5000.00} dollars passed. American express made it impossible for me to spend to money in order to earn the bonus. Getting the bonus was a huge decision in me choosing american express, and they suspended my account during most of the time in which I could meet the spending requirement. I filed a complaint with them but they are not doing anything. Since my account has been available for use again, I have met the {$5000.00} spending requirement, but have still not received the XXXX american express my rewards points. My spending deadline was XXXX XXXX, 2016. My account was put into financial review and frozen on XXXX XXXX, 2016. My account was unfrozen on XXXX XXXX, 2016.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. These issues align with the recent CFPB findings against Navy Federal Credit Union for similar practices. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XXXXs XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX ( Experian ) *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C 1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 XXXX XXXX, I was scammed and transfered XXXXUSD via Chase quickpay to someone with an email adress XXXX. I was exchanging XXXX currency with this person online who was supposed to transfer XXXX currency online to me after I quickpay him/her the money. However, he/she never replied to my message after I transfered the money. 
I contacted the Bank of Chase and they refused to reverse the fund. The transaction is under pending but they also said the money is already transferred to the other person. The bank has authority to access the transaction and they are allowed to reverse that with this type of scam. However, they refuse to. 

Here 's the police case number : XXXX
Product: Credit card or prepaid card

I have a hard enquiry on my credit report. I got notification from XXXX XXXX that a hard inquiry was made by CAP1/XXXX  XXXX XXXX CAPITAL ONE, XXXX, VA XXXX XXXX. I have never applied for this credit card. 
Based on my conversation with CapitalOne customer care, it seems that request for credit card was denied. 

I'm curious how someone could open an account with all my details without me. I also wanted to know the documents which they have submitted for the application so that I know what all my information have been compromised. This information was not provided by CapitalOne.
Product: Debt collection

someone as been using my name and information to open various account and also rented an apartment with my name. i need this removed from my file please. 
HARVARD COLLECTION {$490.00} XX/XX/20XXXX XXXX
Product: Debt collection

Credit systems international has mailed out over 30 pages of documents that contain my medical records, diagnosis codes, procedures and more. This company failed to supply a release form with my signature that gave permission for them to access my medical records. They did not supply a HIPPA release form that gave this collection agency access to my medical records.
Product: Debt collection

CKS PRIME WAS PAID IN FULL ACCORDING TO THEIR OFFER AND STILL SHOWED AS BEING OPEN. I HAVE CONTACTED THEIR SUB COMPANY, DEBTSY AND THEY SENT ME A LETTER STATING THIS ACCOUNT WAS PAID AND ANY FURTHER COMMUNICATION MUST BE WITH CKS PRIME. THEY ARE STILL SHOWING AS OPEN ON ALL 3 CREDIT BUREAUS IMPACTING MY ABILITY TO GET A MORTGAGE. THIS NEEDS TO BE MOVED SO MY CREDIT SCORE WILL INCREASE. THIS IS NOW THE XXXX TIME I HAVE REACHED OUT AND STILL NO ACTION HAS BEEN TAKEN. 
THIS ACCOUNT WAS OPENED UNDER MY MARRIAGE NAME OF XXXX FOR WHICH I NO LONGER GO BY. 
* I HAVE FORWARD COPIES OF MY BANK STATMENT AND CHECK CLEARNING TO SHOW THE DEBT HAS BEEN PAID TO DEBTSY AND THEY CONTACTED CKS PRIME. THERE ARE WAY TOO MANY HANDLERS WITH COLLECTION ACTIVITY AS THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING.