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

XX/XX/XXXX ( Complaint Date ) / I filed a dispute with the Experian Credit Reporting Agency concerning correcting my current physical address ; and after the dispute was completed, two ( 2 ) past physical addresses of mine have been entered as my current addresses. AND THAT IS FALSE. I have 2 addresses : 1 ) a Physical Address and 2 ) a P. O. Box Address. When I moved during the summer of XXXX, I kept the same P. O. Box Address, but changed my Physical Address. The zip code for my Physical Address is different from the zip code for my P. O. Box Address. For some reason unbeknownst to me, Experian entered my past addresses ( where I no longer live and which is in the same general area of XXXX, Virginia ), as my current Physical Address. Because I moved from my old Physical Addresses, there are different individuals living at my old Physical Addresses now. When a Credit Reporting Agency ignores a request by a consumer to update his or her address, in a dispute filed to that agency, the Credit Reporting Agency is contributing to the encouragement of Identity Theft or Fraud lodged against that consumer ; especially when there are new people residing at the consumer 's old addresses. By ignoring requests for address changes or updates, credit reports will be sent to the wrong person at the wrong address.
Product: Credit card or prepaid card

I purchased a XXXX XXXX  on the Walmart website in XX/XX/2020 for {$470.00} plus tax ( {$490.00} ). I received the TV soon thereafter ; however, later I noticed I was charged a second time. I ordered one Tv, not two. I received one Tv. There is a bogus charge for the exact same amount on my Capital One Walmart Credit Card. Once again ... another exact charge on creditcard. Called once to Capital One,,, it was supposed to be looked into..do n't have the exact date. Called again around XX/XX/2020. Nothing was done prior and now they looked into this -- formally now. I was reimbursed on the creditcard soon thereafter -- temporarily. Then later Capital One says Walmart disputes the amt and the charges were placed back onto the creditcard. My dispute is with Walmart charging me 2 times. 

I was told to now supply all docs, receipts that I have and to fax to Capital One. Which I did on XX/XX/2020. Nothing heard yet. 

Would please like assistance to resolve this. I only ordered ONE TV. Please help as Walmart is charging my credit card for TWO tvs. 

Have docs for you when requested. Thanks for your kind help to resolve this >just want to be billed for exactly what I ordered ... .one TV. Take the second charge off my credit card.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an issue with Experian concerning incorrect information on my credit report. Despite my numerous attempts to resolve this matter directly with Experian, I have encountered significant difficulties, which have not been adequately addressed. This issue is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliance standards for accurate and consistent reporting of consumer credit information. 

Details of the Issue : Incorrect Names and Addresses : My credit report with Experian contains the following incorrect names and addresses : Address ID : XXXX / Report number : XXXX Address ID : XXXX / Report number : XXXX Names : XXXX XXXX and XXXX XXXX XXXX These inaccuracies are resulting in someone else 's information being mixed with mine on my credit report. My correct name is XXXX XXXX XXXX. 
These inaccuracies violate Metro 2 compliance standards and are impacting my credit score, causing confusion in my financial dealings.

Failure to Address Dispute : I have sent multiple dispute letters to Experian via mail, requesting the removal of this incorrect information. However, it appears my mail has not been read or acted upon. 
I have also made numerous phone calls to the advertised number ( XXXX ) XXXX, which automatically states that I can not speak to a live representative. 
Despite my efforts, the incorrect information remains on my credit report. 
Impact on Me : The presence of inaccurate information on my credit report is a direct result of Experians violation of the FCRA and Metro 2 compliance standards, which mandate that credit reporting agencies maintain accurate and fair credit information. 
This issue is severely affecting my creditworthiness and causing me undue stress and financial harm.
Product: Payday loan, title loan, or personal loan

i bought a third car / XXXX XXXX XXXX XXXX and various parties ruined my freedom with incriminating fact a conspiracy they hit my car wrecked it robbed businesses XXXX XXXX ruined my car all because XXXX was created by XXXX harassment news coverage for XXXX XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX addicts to wreck my car block my Drivers license XXXX XXXX is blocked please investigate XXXX XXXX XXXX   ruined my job ability XXXX XXXX are placed to cheer up city works XXXX XXXX was sent by XXXX priest to block all jobs XXXX XXXX arrived from XXXX and XXXX where XXXX are used to defame parties most XXXX laugh in my face I went Bankruptcy Ch XXXX please read no lawyer will listen how I am jobless XXXX XXXX B XXXX / all camera are given to keep me jobless /
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to these companies which are : 1.Capital one auto Finan, 2.XXXX XXXX  XXXX, 3.XXXX  also known as ( XXXX XXXX XXXX XXXX ), and 4.XXXX  XXXX asking them to send me validation or Verification of the debt that they claim I owe. It has been more than 30 days since I sent these letters out with No response These company is reporting fraudulent information on my credit report Which is Violating my consumer rights. They are required to respond to my letter within 30 days. Since they have not these companies most send a letter to the three credit bureaus XXXX XXXX XXXX that they most delete these companies off my credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased four XXXX XXXX cards for my kids and they have not been able to use the cards. When trying to reedem the cards, they receive an error. After contacting XXXX, I still not been able to get my funds back.
Product: Debt collection

I am a, victim of the Equifax Data Breach and I am filing this FTC Identity Theft Affidavit to report and request removal and blocking of a fraudulent collections account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, appearing on my consumer FICO credit report which I do not recognize which are the result of the Equifax Data Breach. I demand the mentioned fraudulent items be blocked and removed from each of my consumer credit reports with in 4 days pursuant to FCRA 605B15 U.S.C 1681c-2 and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I am filing this dispute for all of the inaccuracies on my credit report with Transunion.
Product: Credit reporting

XXXX XXXX XXXX is reporting that I had an account written off for {$780.00}. TransUnion refuses to remove this false information. This account was my adult son 's account. I use to allow him to use my credit card to pay his bill. My name was never on the account ( which was through XXXX ). I was not present when he opened the account ; and I did not sign any paperwork. I simply paid some of his bills, so they are illegally reporting this as MY debt. In addition, the " last date of activity '' is listed as XX/XX/2014. I applied for XXXX XXXX XXXX XXXX cable services then. This is false as well. I am currently a customer of XXXX XXXX XXXX for the cable services I applied for. I do not believe that TransUnion has investigated the validity of my liability for this account.
Product: Credit card

Called synchrony bank and ask to validate a debt from 2017... they explained I had 2 qvc credit cards ..one is in archive and can't retrieve the other account they sent a letter just stating my account is paid in full. I need a breakdown of charges, this was not provided ... ..qvc states that i owe XXXX on easy pays that to my knowledge was on my qvc card ... I need a validation on these purchases that I used my qvc card .....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXXXXXX ( Account # XXXX ), has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX XXXX, has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 ( A ) ( 1 ) A person shall not furnish 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: Debt collection

I was told that I have a debt with this company, when I called to verify the debt and tell them it isnt mine, they wouldnt verify the debt with me without me paying them {$1.00}. I asked why do I have to pay to look into an acct thats not mine. He insisted that its mine and the only way to give me details is by paying him, I asked for a supervisor to explain this is not my debt and I shouldnt have to pay to have this investigated, he said hed send them a request to have a call back made to me. I never received a call back. I am unable to finish my schooling because of this. This is stopping me from enrolling into my new school.
Product: Mortgage

Bank of America told me that they would send a loan modification package. I contacted Bank of America and was told that Bank Of America made a mistake and sent the loan modification paperwork and payment schedule to the wrong address as well as sending it past the first due date of the trial payment. On XX/XX/XXXX, Bank of America informed me that they would send me another loan modification package. In the meantime, Bank of America has put my home into foreclosure before receiving the loan modification paperwork. Please help
Product: Credit card

On XX/XX/year>, I purchased a sewing machine from XXXX XXXX ( # XXXX ) for {$190.00} using my Apple Card. The store displayed a Hassle-Free Returns policy, but at checkout, there were no visible signs stating that sewing machines were non-returnable. 

Shortly after purchase, the sewing machine became defective. Since XXXX refused a return, I was forced to send it for warranty repair on XX/XX/year>. Initially, I was told the repair would take a few weeks, but it has now been XXXX months, and I am still waiting for my machine to be repaired. 

I filed a dispute with Apple Card ( Goldman Sachs Bank USA ) due to misleading store policies and a defective product. I provided extensive evidence, including : Emails showing warranty repair delays Shipping records proving extended processing times Videos from checkout proving no signage on the return restriction Despite this, Apple denied my dispute, claiming there was no evidence to support my claim. The store has since gone out of business, preventing me from resolving this issue directly.

I am filing this complaint because Apple mishandled the dispute resolution process, failing to review or acknowledge the substantial evidence provided. I request that Apple reconsider the dispute and issue a chargeback, as this situation involves deceptive business practices and consumer rights violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having the most difficult time with Transunion, I recently received a copy of my TransUnion credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about unauthorized inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete XXXX of the XXXX inquiries on my credit file. I understand that Transunion should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Transunion has not provided me any proof or resolution to my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX and Experian several times that the XXXX XXXX XXXX and XXXX XXXX  accounts that they are reporting in my credit history, do not belong to me. Notifications to XXXX and Experian were sent XX/XX/2023, XX/XX/2023 and XX/XX/2023 via certified mail. I have not in any way received goods or services from these companies and I have provided my FTC Report, Identity theft Affidavit signed with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all XXXX and Experian. I have requested the original contracts from the original creditors, Experian and XXXX bearing my wet ink signature in which up to now, I have not received, and it has been more than 60 days since I requested this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX  XXXX XXXX
Product: Student loan

I have federal loans serviced through Navient. 4 of the loans are XXXX  subsidized loans from my XXXX at Ohio XXXX and 1 is a XXXX PLUS loan from the XXXX XXXX XXXX. They have not delayed payments and have been charging interest all year. I messaged them about this and they first stated that it was due to loans being amortized on a schedule and that I wasn't being charged interest. I followed up later due to a different reason and they stated that the CARES act rules did not apply to my loans because they are not held by the department of education. They were still federal loans that were serviced by Navient so I'm not sure why this would not apply. My main issue is that they have been charging interest since XXXX which adds up to a significant sum and they did charge me 1 late fee which would not be present if CARES Act rules were applied.
Product: Mortgage

I am requesting assistance for a distraught family that would like to prevent a foreclosure on the Deceased owner 's property that was left to her son.     The property has a Reverse Mortgage wit h Financial Freedom LLC, a CIT  company.  <P/> We are in the " grace period '', and have an offer from the Grandson of the deceased to be able to keep the home in the family. I have requested a postponement, however, now I am being  told that we need Proof of Funds to po stpone or a loan approval.  <P/> The buyer/Grandson is in the midst of obtaining the loan. Initially the representatives advised that as long as we had an offer and working towards the purchase that we would be able to obtain a postponement. We understood that it would not be for months, but enough to allow us to complete the purchase and avoid a foreclosure.  <P/> Our concern is that since there is equity in the property, the lender  may not care  to allow the postponement. The representatives initially advised that we could submit the offer showing that there was a bona fide offer so that the lender would allow the postponement. I sent the offer several times and tried to no avail reach someone at  Freedom/CIT Company  only to be told last week that we needed to have proof of funds or a loan approval. I advised that we were in the process of the loan and that is why we need the postponement, so that the loan approval would be finalized.  <P/> I was finally able to get a hold of a representative at the bank and I was informed that they had received the offer on XX/XX/XXXX  and proceeded to review the offer as a short sale. I advised that it was not a short sale, that it was a standard offer as there is equity. Apparently the " short sale '' was denied, so now that does not help us since there is a denial in their system. Neither the Successor Trustee/Son of the deceased received nor myself, received notification of any sort advising of what had transpired on their end.  <P/> That is another issue that we have been facing, it is very difficult to get through and have to wait for the representatives to call when they are available. I also called the  Attorneys handling t he foreclosure process and they too advised they have had issues getting through to them.  <P/> The family would like assistance from FHA/HUD as well since it is an FHA loan to be able to receive a postponement as the lender representatives mentioned that they are following FHA guidelines which would seem contrary to FHA/HUD wanting to foreclose when we just need at most a  30 to 45 day po stponement. I understand that FHA/HUD from many of the advocacy groups I belong to, that they are here to prevent a foreclosure.  <P/> The reason for the delay in closing was that the buyer had a lien that show up that should not have and it had to be resolved. This issue has now been resolved.  <P/> I appreciate your assistance in this matter in preventing a foreclosure and assisting the family keep the long time home remain in the family patrimony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an open complaint against ChexSystems. It appears that ChexSystems attempts to circumvent the law and/or just shows complete disregard for what a consumer facing identity theft attempts to explain to them. Chexystems responded to one of the complaints about the fraudulent address on my ChexSystems file telling me that they will refuse to remove the address because I used the address to order a ChexSystem report. The is incorrect. If ChexSystems sent a report to that address than ChexSystems has contributed to the identity theft and helped someone commit a criminal act. I did not order my ChexSystem report rather I was told by a financial institution that I was disputing information with that I should contact ChexSystems because chances are fraudulent information was being reported by them. I am thankful this is all in writing and being recorded through a government agency because now ChexSystems has admitted being complicit in online fraud.
Product: Credit card

I called Discover Bank on XX/XX/XXXX to dispute the information they were reporting on my credit file as it was incomplete and inaccurate. They show the account to be charged off but also show it to have a past-due balance. IT CAN '' T BE BOTH, either it is past due and the account is active or charged off and reflects a zero balance. I am disputing this with the credit bureaus as well but I tried to get it correct with Discover Bank but to no avail. This is a violation of the 15 USC 1681, which requires information being reported to the credit bureaus to be accurate and complete.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, sent a {$1100.00} XXXX  payment to XXXX XXXX on XX/XX/XXXX around XXXX XXXX and it was never successfully delivered. My bank is Capital One in her bank is XXXX XXXX  XXXX. She never received a notification or any confirmation from me or XXXX. Her this amount Ive reached out to capital one immediately the entire week of XX/XX/XXXX. Capital one was telling me to wait until the funds went through. Ive waited and waited, but it never successfully got delivered. She to call XXXX XXXX XXXXXXXX, but nothing was transferred.
Product: Checking or savings account

on XX/XX/2020, my account with chase bank in XXXX closed my account with out warning and hold my funds. During this pandemic this should be illegal, considering that the stimulus check with be going to now a closed account. I was given no warning and now when i try to talk to customer service on 5 different occasions. I am on hold over 4 hours just to end up being hung up on. 
I cant get answers from my main branch either. I will not receive my stimulus payment now or it will take months. Like everyone else, this is the time I need my funds in my closed account and also the stimulus. Please help me figure this out with this institution.
Product: Credit reporting or other personal consumer reports

I submitted dispute to you more than XXXX days ago and I have not received a response you were required by law by law to do so. Please investigate my disputes. Please thank you.