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

Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are fraudulent Equifax Mortage Service XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.
Product: Debt collection

These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this sh! t now!
Product: Credit card or prepaid card

I have been a customer since  XXXX    XXXX   and paid annual fees on my business credit card every year ; I had  t  hree Capital One c redit cards in total. My Spark account number ends in  XXXX . On Thursday (  XXXX  ) morning I was declined for a purchase in  XXXX , OH while on a business trip. I learned that  Capital One h ad closed all three of the credit card accounts. Front line customer support will not provide any information. The  Executive Relations office also would not provide any information.      The mailed letter on the  XXXX  card says " We have observed activity on a past or present  Capital One  account that is not consistent with our expectations of usage for personal, family, or household purposes. '' This  XXXX  card is a business account, so the reason does not make sense. The mailed letter for the  XXXX  card contradicts this first letter and states " We have observed activity on a past or pr esent Capital O  ne  account that is not consistent with our expectations of usage for commercial or small business purposes. '' This card had not been used for over  five ye  ars, so again the letter is non-factual and n on-sensical. The third, most recently opened  XXXX  card did not receive a letter at all and was closed.     Aside from not providing a valid reason for the credit decision to close my accounts, I was told by a phone rep that the rewards for my pending charges would be made available for redemption. I had a charge on  XXXX   XXXX  that posted on  XXXX   XXXX  for which the 2 % cash back was not made available. The amount of the charge is {$9500.00} and the cash back should be {$190.00}.     I called several times to try to resolve their failure to honor the cash back on this purchase. During this time  Capital One  charged me a {$39.00} late fee and {$41.00} in interest charges while it researched its own internal failure. I paid off the balance on this and all accounts, and I have a long history of 100 % on-time, full balance payments.
Product: Checking or savings account

On XX/XX/2022 at XXXX, I deposited {$900.00} into an ATM at XXXX bank at XXXX XXXX XXXX XXXX I bank with USAA, which has no physical branches or ATM 's in my area. I used XXXX because it is considered an " accredited '' ATM for USAA. At the end of the transaction, the deposit did not go through, and the ATM kept the {$900.00}. 

I disputed this with my bank 3 times to no prevail, and XXXX provided me with information to bring to USAA so they could solve this between the banks. Nothing has been resolved. 

Here is the information : XX/XX/2022 XXXX EST Local Terminal ID : XXXX Debit Card Number Trace number : XXXX Transaction Amount : {$900.00} Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX : {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 30 hard inquiries on my equifax account due to fraudulent or no knowledge of being mine and that they refuse to remove them from my account after multiple disputes and calls
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

Im reaching out regarding a charged-off account that is being reported incorrectly on my credit report. The company in question has violated my rights by submitting fraudulent and inaccurate information. Ive requested the purchase agreement to confirm their ownership of the account, along with any other supporting documents, but Ive yet to receive a response Additionally, credit bureaus such as XXXX, XXXX, and XXXX continue to report the account as " open, '' even though it's in collections and has been for almost 4 or 5 years now. This account, which is tied to the COVID-related financial hardships, should be marked as charged off and closed, but it hasnt been updated correctly.

Im asking for this matter to be addressed and resolved as soon as possible.
Product: Mortgage

The story with my complaint starts 2 years ago in XXXX of 2019 which was when my first payments was due. I make my payments through a bill pay system through XXXX XXXX  XXXX XXXX XXXX Ca. My first payment was a few days late but not past the XXXX. This was because I did not check a box on the bill pay set up to deliver by the first of every month. After that they stated calling me every month asking for a payment like clock work. After they would call they would realize during the phone conversation that I had in fact made the payment and would apologize. After a few more months of that I started paying my payments twice a month, half on the first and half on the XXXX. They continued to call every month like clock work asking for money, once again during the phone call would discover I had in fact made my payments on time. They would say they discovered that the funds were miss allocated and they needed to re allocate funds to my account. I do not know what that means still to this day!!! During the 2 years years was a incident that did get reported on my credit and that incident was never clarified or resolved to my satisfaction or understanding. It is important to know the during the 2 years my account was never behind or late. Recently as of XXXX, my load was refinanced and this lender was paid off on XXXX, in the sum of XXXX. They are still calling me asking for money and threating me with collections. I reached out to them on XXXX and they told me they had in fact received the funds but as of not can not apply them to my account. They said this could take up to 10-15 working days to be resolved and for my account to be closed. given the uncountable phone calls and badgering I have received by them in the past couple years I am not questioning why a finical institution has such a difficult time managing accounts, they are in the business of managing accounts. There has been time where they could not find my money and had to call me back days later! I fear that my account is not reconciled accurately and they are not qualified to be operating as a financial institution in this country. I see on the XXXX XXXX XXXX XXXX web site they have an extremely low score. Further more they refuse to communicate through e-mail, I suspect they are in fear of a paper trail that could implicate them. I believe this company is in need of an audit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, I contacted XXXXXXXX XXXX XXXX  and they informed me that the information they were reporting was from Equifax. They also sent me a letter stating that they were not reporting bankruptcies that Equifax keeps reporting on my credit profile. I called Equifax and they told me to get a deletion letter from XXXX. I had already provided all the proof to them and they still will not take the inaccurate information off my credit profile.
Product: Checking or savings account

I am writing to file a complaint against navy Federal Credit Union regarding multiple overdraft dees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent XXXX findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Debt collection

The company in question is XXXX XXXX of XXXX, OR. They hired Capital Credit & Collection of XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX with a phone number of ( XXXX ) XXXX as collector on my account. 

This company ( XXXX XXXX ) purported to provide XXXX page 1 ranking for my company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contracted to pay them $ XXXX/month for this service. I never received any ranking results nor communication from them after I started paying  them. 

After approximately 9 months of them taking out $ XXXX/month I asked them to stop all charges ( by telephone ). They said I was under a contractual obligation to continue. I told them I was getting no results and was very unhappy with the service. They refused to stop charging me or cancel my subscription. 

I continued to pay until my card expired, at which point they could no longer charge me. They said I still owed them. I argued they provided no tangible results nor proof they were doing anything for me. 

The final amount owed was {$75.00}. I ended up just paying the {$75.00} in XXXX of 2017 to close the account. However, my personal credit was negatively affected as a result of the collection effort they took upon me. It should never have attached to me personally as an individual as this was a company account. 

I believe they are continuing this practice with other unsuspecting people/companies. I also believe they do nothing to help increase ones ranking on XXXX as no reports were ever provided. 

This kind of practice needs to be stopped. 

Here is a link to XXXX where many people have said the same thing as I have and had similar bad experiences not being able to cancel their subscription. 

XXXX XXXX XXXX
Product: Debt collection

IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit XXXX. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!
Product: Credit reporting or other personal consumer reports

On XX/XX/ I wrote Experian a dispute letter in order to have a payment history on several accounts verified. The accounts are XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX XXXX XXXX Account Number : XXXX. Please refer to the attached supporting documents for more information as to why I am disputing them. I never received an answer from them. I gave them enough time to complete an investigation and respond, but I never heard anything. Not even a letter or notification that stated my dispute was received. So on XX/XX/ I wrote them again to once again look into the late payments they are reporting inaccurately on my credit report. Well it is now XX/XX/, and I have not received any type of response from them once again.
Product: Credit reporting or other personal consumer reports

Recently I Looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item Im asking you to verify as accurate : Account Name : XXXX Account Number XXXX
Product: Debt collection

Case number XXXX, XXXX, XXXX I have attached a copy of my husbands credit report provided by XXXX. Second Round LP is still reporting " open collections '' updated XXXX XXXX, 2016. Attached also statement from case listed above where Second Round LP " ... decided to close this account and DELETE it from the credit bureau. We have asked our servicer to provide proof they have proper controls to assure all required verifications take place. '' To date, it has not been deleted from my husbands credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased set of tires from NTB National Tire & Battery on XX/XX/XXXX, and on a 6 Month no interest nor fees paid agreement if paid in full by XX/XX/XXXX of XXXX. 
the full balance was paid on XX/XX/XXXX of XXXX. 
Late fees were added to the account afterwards that should not been added for 2 months, and called the company to try an resolve this issue, which they corrected it by removing the fees but still sent in the late fee charges to the credit bureau. 
NTB told me that there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Transunion will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter.
Product: Debt collection

I never received anything in paper or mail from this company, It would have been disputed within the 30 days if i had known.. This is not my debt as i did not give permission for any information being sold or bought. Since my information was bought without my authorization this is identity theft..
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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, myXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat 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

On XX/XX/XXXX i made a payment of {$2700.00} to my Barclay master card which was the balance due at the time ... on XX/XX/XXXX the funds were deducted from my bank account and i received an email from Barclay stating my payment have been received. On today XX/XX/XXXX i checked my account online to find out the payment has not been credited to my account and that there was a hold on my payment. I called the customer service # and the automotive system acknowledged the payment but also reflect that the available credit does not reflect that payment being applied. I spoke to rep XXXX ( said couldn't give last name ) but his employee ID # is XXXX advised me that there was a hold on my payment and said it wouldn't be lifted until XX/XX/XXXX or XX/XX/XXXX. I asked XXXX the reason for the payment hold his response was because it was an unusual amount and it was also based on the method of payment and my bank is the one that issued the hold. I asked XXXX why would my bank issue a hold when they have already released the funds and never contacted me to confirm the transaction. I offered to fax over my bank statement showing the funds have actually cleared ( not pending ). He stated it would still not be resolved until XX/XX/XXXX or XX/XX/XXXX. I pay the same way every using the same account so it shouldn't have been an issue with my bank. I then questioned the response he made about the method that was used i advised him that Barclay uses ACH so they wouldn't have gotten the money if the funds weren't available. He then responded that the hold would not be released until XX/XX/XXXX or XX/XX/XXXXand if that was ok ( he was trying to get me off the phone at that point ) I told him no and asked would this have been a problem if i wouldn't have paid off the statement and why was it a problem for me to pay what was owed. He then stated he would try to see if he could have the hold removed now and placed me on hold. Once he came back to the line he stated he was able to have the hold removed and i will see the credit on my account by XX/XX/XXXX by XXXX est.
Product: Credit reporting or other personal consumer reports

In response to your recent evaluation, I need to continue addressing issues with my personal credit report that require immediate attention. I am frustrated with the ongoing errors on my credit report, which raise concerns about the accuracy and completeness of the information. My goal is to find the correct remedy for my credit report and dispute the remaining account to rectify the following : XXXX XXXX  XXXX XXXX Balance Owed : {$540.00}. Please provide the names and addresses of the individuals contacted for each item found in the FCRA. If you can not supply this information to my satisfaction, update the account and assist in resolving the current issue.
Product: Checking or savings account

XXXX XXXXXXXX XXXX withdraws monies from my credit card for their virus protection software. 
The 3 computers that were protected by this software have all been disabled. 
I now use a product called XXXX XXXX XXXX 

I called XXXX XXXX  XXXX and XXXX to have my automatic subscription cancelled. They assured me it was. 
It was not canceled! I called them again. I talked with XXXX XXXX. He assured me he would take care of it and gave me a conformation number : XXXX. 

I got another deduction to my credit card today for another subscription for the coming year. 
Can you help me get this stopped? 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( she uses multiple different last names ) of XXXX used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and XXXX. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Product: Money transfer, virtual currency, or money service

PNC BANK will not let me add money from my bank account to my XXXX account. 

That is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous Complaint No. : XXXX National Credit Management has received information from XXXX College directly stating my debt to XXXX College has been paid in full. National Credit Management, however, is still reporting this debt as unpaid on all of my credit profiles for XXXX, XXXX and XXXX. 

I have attached the paid receipts and a letter from XXXX college XXXX XXXX office stating my past due balance has been PAID IN FULL.