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

I am writing to formally dispute discrepancies I have found between my credit reports from XXXX and Experian. I have reviewed both reports and noticed that certain information is inconsistent, which I believe requires correction. Please note that this account is deleted from XXXX Discrepancy Information : Discrepancy in Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This inconsistency affects my credit score and the accuracy of my credit profile. 
Discrepancy in Account Last verified XXXX Report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report 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 Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ on Experian N/A ] Issue : The account status reported by XXXX does not match the status reported by Experian . For instance, XXXX shows this account as the last activity with a different date, whereas Experian lists it as XX/XX/year>. This inconsistency could mislead potential creditors about my creditworthiness. This is a charge-off account however, the creditor is reporting it as charge- off every month which is not accurate according to FCRA law 15 U.S. Code 1681 ( e ) and 15 U.S. Code 1681 ( i ) Request for Resolution : Correct the Discrepancies : I request that you investigate these discrepancies and update my credit report to reflect accurate and consistent information. Please align the data between XXXX and Experian to ensure accuracy. 
Provide Written Confirmation : I request written confirmation once the necessary corrections have been made or if additional information is required. 
Enclosures : Copies of my credit reports from XXXX and Experian with discrepancies highlighted.
Product: Credit card or prepaid card

i got letter from citicard that my card ending in XXXX  had been credited XXXXper agreement with you..i never received this credit..i called citicards and theysay the credit was issued but could not give me a date..i have-not been credited this settlement amountXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX
Product: Credit card or prepaid card

Hello, Capital One XXXX has a price recommendation tool as a credit card perk. 

They explicitly, and loudly, tell you to WAIT FOR A BETTER PRICE or BUY NOW when purchasing flights. 

My flight was {$180.00}, and they told me it is expected to drop to {$110.00}. Instead, it increased all the way to {$480.00}. 

I called and asked them why their prediction was so far off. They said, This information recommended by the airline. 

That seems like a major conflict of interest. It is in the airlines best interest to get you to buy when prices are high. 

Furthermore, they offer a price guarantee that if they are off on their recommendation, they will refund you. However, this instills false confidence, as the fine print details that the guarantee only works up to a {$5.00} refund cap. 

Please help!
Product: Debt collection

Capio Partners has put a collection account on my XXXX credit report. I have paid this account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023. Here is the tracking # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to XXXX on XX/XX/2020with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toExperian on XX/XX/1XXXX  at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the  original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with XXXX deleted off the other two bureaus 2 ) XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion replied to my formal letter dispute of multiple hard inquiries I did not recognize as being submitted by a 3rd party credit repair company. 

I have attached a scanned copy of TransUnion 's reply to this request. 
I am formally stating via this CFPB portal that I did submit this request on my own behalf. 

I am attaching a copy of the original letter mailed via certified mail. 
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Citizens and applied over the phone for a cashback credit card with Citizens a couple of months ago. The agent told me I was approved to open an account with a {$3500.00} credit limit. I told the agent that credit limit was far too low and not worth having on my credit report, and that I did not want to proceed with opening the account. 
The agent said she could not stop the process and that I would need to talk to a different department to request a higher credit limit. I said I didn't want the card at all, and I told her I would simply throw away the card and not use it - thereby not accepting the terms. 
( I never received a written copy of the terms and conditions until the card arrived in the mail, and I never activated or used the card. Therefore I never agreed to the terms and I am not bound by the card agreement. ) A month later I saw the credit card on my credit report, and I called Citizens to tell them I never activated the card and did not want the account. The agent tried to tell me that once I apply, there is nothing I can do to avoid opening the card. I know that is not true because TILA requires the card issuer to provide a written copy of all terms and conditions, and the consumer can decide not to accept the card after the consumer has reviewed the card agreement. Moreover, I never would have submitted an application in the first place if I had known that Citizens would offer me a paltry {$3500.00} credit limit. ( I have {$130000.00} in available credit across my other credit card accounts. ) I want the credit card removed from my consumer report because every new account reduces my credit score, and I did not want to open this account.
Product: Credit reporting

There is an address on my credit report that I have never lived at. I have never lived in Massachusetts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new membership at XXXX ( a local credit union ). I was told that my application was denied because of information that Chex Systems provided. 

I requested a report from Chex Systems but the report showed no negative activity. I am unable to reach anyone at Chex Systems to verify what negative information they are providing to the banks that I have applied at. There is nobody that answers the phone or any email to obtain service. 

When I called to verify the issue at XXXX, they told me they can not tell me what negative information Chex Systems provided them in order to deny my application for a new account.
Product: Credit reporting or other personal consumer reports

The issue is that they are not responding to my inquiries, and each time I request a review for inaccuracies, they incorrectly identify me as someone else, despite me providing all of my personal documents. Under the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, which is not being upheld in this case. 

I have attached a letter requesting that they validate and verify the information to ensure it is being reported accurately and correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I  was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Working with Dividend financial and I believe their practices are shady at best. I have asked for clarification about why my autopay was canceled without my notice and have not received a response. I have also asked why I continued to receive calls asking me to make payments despite having made a payment. Their company website does not clearly indicate records and believe they attempt to extricate payments early from individuals who may not be as assertive. When pressed for more information in writing, no response.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, Equifax and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Bank account or service

I opened a Chase XXXX checking account on XXXX XXXX of 2016. I wanted to use a coupon offer I received in the mail for {$300.00}, I provided the coupon when I opened the account. I have met all the requirements that were required to receive the {$300.00} bonus, I have asked several times for them to honor the coupon and my requests have been ignored. It has been nearly 3 months and I have yet to receive the {$300.00} bonus that Chase has promised me. I have no choice but to file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card that came through Experian. The pull shows up and dropped my score int the toilet but the actual payments are card itself do not show. Im working very hard building back my credit but if they are playing games like this with people then why even bother?! My score is going up with every other credit bureau but this XXXX. It keeps taking no matter how many bills i pay and it is just stuck at XXXX which is really XXXX me off. Who is going to check the company that can ruin others by giving false information?
Product: Money transfer, virtual currency, or money service

I got scamed and Bank of America and XXXX bank did not preovent it. I sent wire transfer from my Bank of America account to froduland account in XXXX bank. 
I see that both banks did not make right Fraud and Business checks as well as Anti Money Laundering checks. 
I filed a complaint to Bank of America to recover money sent via wire transfer but they operate very slow. 

The scammers website is still up : https : XXXX # XXXX and I see that they created one more websites XXXX XXXX XXXX XXXX XXXXXXXX to scam more people. 

How they work : 1. Select a good looking dealership on XXXXXXXX XXXXs. 
2. Register a fake company at your address and create a website. 
3. Post widely on the XXXXXXXX XXXX  with a link redirecting to their website. Whenever you see 3+ duplicated posts in different cities 99 % this scamers did it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I call them, they answer, give details via phone and email, which seems legit. 
5. Provide instructions for wire transfer. 
6. I send money, they say they will deliver the RV. 
7. Then they have problems, delays, car accidents, insurance work and the RV never arrives. 

It's been already around 2 weeks but they are still operating. 


Wire transfer details : DATE : XX/XX/XXXX DIRECT INQUIRIES TO : XXXX OPTION 2 ACCOUNT : XXXX THE FOLLOWING WIRE WAS DEBITED : USD AMOUNT {$12000.00} ____________________________________ TRANSACTION REF : XXXX SERVICE REF : XXXX RELATED REF : XXXX ORIGINATOR : XXXX XXXX ID : XXXX INSTRUCTING BANK : CONSUMER ID : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ID : XXXX BENEFICIARY 'S BANK : XXXXXXXX XXXX XXXX XXXX. ID : XXXX PAYMENT DETAIL : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a {$30000.00} cashiers check online XX/XX/XXXX with Bank of America, which we have done numerous times. Money was shown in my account and I wrote checks against it. Then BofA on XX/XX/XXXX put a hold on the funds until XX/XX/XXXX at XXXX. BofA is arbitraging the funds deposited from a local credit union which is borderline criminal. We are BofA preferred customers and have never had a check put on hold. I went to the main BofA office in XXXX XXXXXXXX and was told to contact customer service and that would resolve the issue, it didn't.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I called BofA Fraud department to alert them to a fraudulent {$700.00} XXXX transaction that had just occurred on my account. I alerted them within 30 minutes of the transaction. They told me that the transaction could not be reversed because it was a XXXX transaction. I had never sent the individual that received the funds previously and I alerted the bank to the fact that the transaction was fraudulent. They told me that I had to wait 10 days for them to do their " investigation ''. On the 10th day I received an email stating that my fraud claim was denied because " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' They claim that I must have a virus on my computer, despite my telling them that I have XXXX virus protection and have scanned my computer multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with 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 ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. 

XXXX XXXX  - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX  - Fraudulent account showing on my credit reports
Product: Credit card or prepaid card

The denial of my credit applications on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Discover >Recent delinquency shown on credit file >Serious delinquency, settlement, bankruptcy, lien or garnishment The information is not only inaccurate, but has no legally-valid basis for consideration in making a credit approval decision. Under 15 U.S. Code 1681, Discover has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Discover Underwriter on XX/XX/2023 to correct these errors.
Product: Debt collection

I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told XXXX and was closed/ charged off XX/XX/XXXX. XXXX later sold my debt to a collection agency who later transferred the debt to Protas, Spivok and Collins LLC. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling XXXX to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.
Product: Checking or savings account

I have an XXXX XXXX XXXX client in my small business who writes me checks from Wellsfargo and his handwriting is difficult to read. He has had an account at Wellsfargo for 30 years and my bank has trouble reading his checks so Ive walked them in for the past several years to cash them with no problems- in XXXX  Wellsfargo has made it nearly impossible to cash his checks requires about an hour of my time and to call the client now charged me {$10.00} a Today they would not cash his check at all - I do not have time for this I do not want to open a Wellsfargo account because I already have a chase business account. I had a previous complaint but it was closed for some reason : I am very busy so I think I missed the communications from Wellsfargo. I am not going to let this go bc Wellsfargo is treating me like a criminal today I had to present my XXXX because last time they grilled me about the purpose of my business
Product: Bank account or service

My wife and I file joint tax returns and refunds are issued to both of our names. Federal refund is deposited electronically to the account I specify in Tax Cut software. State of XXXX issues a check that I usually deposit to my account. We do that over a decade. There was never an issue with that. On XX/XX/XXXX I tried to deposit such check by phone to my account ( at E*Trade Bank ) but it was rejected as unreadable - that seldom but sometimes happens. I called them and they said I have to mail it in. But when they received the check, only then they said they could not deposit it to my account, because it was issued to both me AND my wife. This despite they deposited those checks for 15 years every XXXX without a single complaint, and despite me being their customer for even longer than that, and despite both me and my wife have accounts there linked on-line. They suggested that the check may be deposited to our brokerage account since that account is joint account in both of our names. However, a day had passed and I do not see the check deposited in either my checking account or our joint brokerage account. I got an email with the PDF form referring to the name change without explanation. I understood they want my wife to file the name change - because at that bank she still uses her maiden name, and on this refund check she already has my last name. But she did not change the name at marriage, and that change was therefore not recorded on the marriage certificate. She changed it at naturalization. And besides - I am with the form in XXXX, and she and her signature are in XXXX - maybe sometimes during the summer she will find the time to deal with that name change. But we need that check deposited or cashed yesterday, not sometimes in the future. Now their agent can not locate our physical check - she only sees the image of my rejected mobile phone deposit. Which leads me to believe that they were not completely honest with me when they told me the mobile deposit was rejected for readability. If they spoke up about the XXXX names issue, I might have handled the situation differently. But now they are in possession of our check and they are finding an excuse after an excuse for not depositing it, and finally they lost track of it. This is an outrage. They should be held liable for theft.