23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account Name : XXXX/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Capital One credit card debt of {$330.00}. 

I was incarcerated is why I didnt pay on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my personal information may have been impacted by the 2017 Equifax breach, based on querying for my info at https : //www.equifaxsecurity2017.comXXXX
Product: Debt collection

I had a check in his account with Santander Bank I was a victim of cashing a check that was Santander bank fault bc I told them on face book theres a job that was high and remote control job they sent me a check and I asked Santander Bank if the check was good before I cashed it and said that it was all set XXXX protecting the customer. They clearly check in two days and the company that was supposed to be Job fooled me and took the money, Santander Bank never did Seven 10 days to see if the check clears they checked and the computer and they said the check was good for the fact that security breach on both ends as a customer I should not owe {$1800.00} for certain of the Bank system computer That cleared that check we in XXXX they supposed to have all that figured out on the computers Instead of the bank not charging me because they gave me the OK to cash it and take responsibility for the security breach investigated properly. I give them all the evidence. and he still wan na charge me thats not fair because of that I cant open a bank account. I cant progress for the fact that I made the call before the check was cash and Santander Bank in XXXX XXXX gave me the OK that it was a good check because I was suspect myself about the check, so therefore, the mistake by clearing The check when I alerted them Before at hand stead of them, shoulder and responsibility they put the blame on the on the customer for it was security breach on their end not my end I shouldnt be charged {$1800.00} for the mistake of the bank for giving me the OK
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent proof that the months that were reported as missed payment were paid. no one will removed them even though I sent proof of payments
Product: Prepaid card

I disputed a transaction and provided complete back-up, and the Money Network Institution overturned it with no proof, other than the word of the merchant. I sent in all the information I had to prove it should be granted. They also refused to provide me with a copy of what the merchant provided to them to determine their decision. This made my account overdrawn, and they are unwilling to do anything about it. I made a flight+car reservation with XXXX on XX/XX/2016, according to the cancellation terms, I could cancel within two days of departure. I cancelled on XX/XX/2016, completely within the time frame, the merchant rep I spoke advised me there would be no penalty, but they would credit my card so I called Money Network to dispute my transaction, they said that the merchant provided them proof it was a non-refundable flight. I sent them copy of my reservation that did not show in any way it was non-refundable, I am including a copy, XXXX issued a credit for travel, which I do n't understand since it is " non-refundable ''. I formally asked for the copy of what they provided and was refused. They illegally withdrew the funds based on false information provided by the merchant, and will do nothing to resolve it. My account is now overdrawn by {$260.00}, minus the few deposits made to the account the new balance as of today is $ XXXX. I would like to make a formal complaint for the lack of due diligence and misrepresentation that a complete and thorough investigation would be made.I disputed the transaction the same day I cancelled on XX/XX/2016. There was no lapse in time from when I cancelled the reservation to when I disputed the charge. Clearly they do not care about the customers or the security of their hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

American honda finance is reporting wrong information to all three credit reporting bureau 's. Honda financial is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment honda received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.
Product: Debt collection

I have repeated disputes on my credit reports since first discovering the debt in 2019. The collection company keeps resubmitting this debt like a new collection. This continues to drop my credit scores. This collection company should not have the right to repeat a debt as new repeatedly damaging a persons credit scores. I told them when disputed that I didnt know anything about this debt and I had an active current account with XXXX the name on the original collection. XXXX is no longer a cable company. This collection company continues to report as a new collection item. How can a company continue to damage a persons credit score by changing dates like its a new account not paid repeatedly. That should be illegal.
Product: Credit card

Ive contacted Avant over 5 times, when I discovered unauthorized activity after losing the card I called immediately. Ive called over and over and Im always told that they will take care of the dispute, and Ive NEVER received any documentation of any kind. Disputes never made, account credits never made. Late fees and interest continuously added to the account, which is very much a violation of my rights. I have a right to dispute the validity of charges that I am not responsible for. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all LexisNexis information and there is no way that any of the 3 major bureaus or LexisNexis could verify..

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from LexisNexis that is frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries applied to my credit file. I contacted Experian 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Experian liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Experian continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Experian which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. I will absolutely take legal action if Experian ignores my 4th request to remove or correct inaccurate information. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Experian. 

Thanks, XXXX XXXX XXXX
Product: Debt collection

United revenue keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Bank account or service

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern- I am writing to file a complaint against Chase bank for NSF fees that should not have been assessed. For several months, Chase bank has paid items coming through my account based on " their " discretion. In paying the initial item of my mortgage in which My account was short in excess of {$1900.00}, this caused me to get several hundred dollars of fees per week in addition to cause my account to be in a cycle of being overdrawn for several months. Three months of fees totaling {$3000.00}. The bigger concern is when my XXXX XXXX bill came thru my account to get paid which was a {$5000.00} payment and I was short {$330.00} this item got returned!! This has now had an impact on our relationship with XXXX XXXX. How can Chase continue to pay items overdrawing my account for approximately {$2000.00} per week but did n't pay an item that was short {$330.00}? I have been told when I call it is because " Items are paid at Chase discretion ''. The answer is simple, by paying all the other items coming thru my account overdrawing it by {$2000.00} they were able to charge me extensive overdraft fees because I had pending transactions at the time.!!! This is NOT acceptable. We do NOT have overdraft Coverage NOR debit card coverage therefore they had NO right to pay things overdrawing my account in excess of {$2000.00} allowing them to charge me over a {$3000.00} in fees during a 3 month period. If they chose to do this why did n't they pay my XXXX XXXX bill? How can a bank pick and choose? Would n't it make sense if they were going to choose they would choose to cover {$330.00} NOT {$2000.00}!! Please see the attached statement showing their '' choice '' to pay items coming through my account and the hundreds of dollars paid in fees. I would like to prevent this from happening to other customers and would like ALL my fees from this nightmare for the past several months reversed. We have banked with XXXX XXXX and there are no other banks that would cover a item that would overdraw your account by {$2000.00} unless you had overdraft protection. Chase stated this was done because of our great relationship with them??? Clearly this was done to make money off of us. If it was truly done for our relationship with them they would have paid our {$330.00} shortage for our XXXX item which was a {$5000.00} payment. Thank you for your assistance with this matter. See attached documents. 
Best Regards, XXXX XXXX
Product: Debt collection

This company Midland Funding bought the debt, which is 4 years old from first delinquency, according to my credit report, from XXXX. Both Midland Funding and the original creditor are reporting this on my credit report to all XXXX bureaus. Because of the double reporting and the fact that Midland Funding is reporting an amount higher than the original debt of {$130.00}, I disputed the Midland Funding account with the Bureaus. Midland Funding verified the account with the bureaus and would not delete it. Verification, according to the bureau, consists of verifying my name and social security number. Prior to finding them on my Credit Report last month, I had not had any communication with this collection agency whatsoever. I have not received any letter or phone, they just showed up on my credit report. After I disputed and Midland Funding " verified '' and continued to report to the bureau, they have now also added dispute remarks to my credit report and began sending me letters. Perhaps I finally received a letter from them introducing themselves and attempting to collect the debt after the dispute I filed with the bureau. I no longer dispute the account and contacted them to state this and have them remove the remarks from my report. I have yet to hear back about this. I also disputed through the Bureau again, asking that they remove the remarks " account disputed by consumer '' from my credit report, since that statement is no longer accurate. They refuse to remove the remarks, continue to report the account to all XXXX bureaus and have begun collection attempts and sending me letters AFTER my initial dispute.
Product: Credit card

Hello, I have been a Capital One credit card customer for almost 25 years. I have an excellent credit card rating. Last year I opened a Venture XXXX largely due to the ability to transfer miles to other airlines. Since we live overseas in XXXX most of the year, the benefits were exciting and seemed valuable. On Saturday, XX/XX/XXXX, I wanted to transfer my hard earned points to purchase a plane ticket. The process required a two step verification, then only offered one choice : SEND A TEXT VIA CODE to our phone. The text did not come. After two hours with Capital One and six representatives later, there was no resolution. They asked me to send a copy of my driver 's license front and back for proof of identity, which I did. We may have to wait 10 days for them to approve that submittal. 

We have always used a XXXX number while overseas. It has never been an issue. We received codes through voice calls, including Capital One. Other major credit cards in our possession use email verification or automated voice calls with codes. We never have an issue. But Capital One is not allowing any other options now except this texting option, which does not work for those of us overseas. 

On Monday, XX/XX/XXXX, I called again and spoke with three different representatives, who also consulted with two digital representatives. Again, no solution. The representative told us that we could join the military or a US government organization, and then we could verify through email. This is NOT HELPFUL. We are XXXX XXXX workers and believe that we also should have access to a different method of verification. While we appreciate the caution of credit card companies, we feel that as valued customers, a solution should be possible. Our points are valuable and we'd like to use our benefit to transfer to another airline. Please help!
Product: Mortgage

I entered into a trial modification with Bank of America. During this time the bank put a freeze on reporting me as being late. While I made all of my payments on time the bank still reported two months as late. The explanation that I have been given is that for some reason the bank set the freeze to end at the end of XX/XX/year> instead of XX/XX/year>. No one at the bank can give me an explanation. I have tried going through the credit bureau, I have tried having Bank of America research the matter to no avail. No one can give me an answer. I spend hours on the phone being transferred from one department to another department. The two late payments in XXXX and XX/XX/year> should not have been related as late. I just want those two items corrected. This is having a negative effect on my credit score. This is the only step that I have left.
Product: Checking or savings account

Navy federal would hold funds and rearrange charges in order to charge over draft fees on my account
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Jefferson Capital Systems for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations, which have adversely affected my credit report. 
1. Re-Aging of the Account : does not have accurate payment history data. Per FCRA Section 623 ( a ) ( 5 ), any debt sold to a new owner must use the original Date of First Delinquency ( DOFD ). The seven-year reporting period is based on the original DOFD and can not be reset by the new owner of the debt. This re-aging of the account is a clear violation of FCRA regulations. 
2. Inconsistent Payment History : This discrepancy demonstrates a failure to adhere to FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The inconsistent reporting dates indicate a lack of accurate and reliable information. 
3. Inaccurate Reporting : According to FCRA Section 611 ( a ), I have the right to dispute any information in my file that I believe is inaccurate. The conflicting dates provided by XXXX and XXXX indicate a lack of consistent reporting. Furthermore, as per FCRA and CFPB guidelines, the original XXXX must be used, and this date does not change even if the debt is sold to a new creditor or collection agency. The current reporting fails to reflect this requirement accurately. 
4. Unverified Collection Accounts : I attempted to verify this debt by contacting the collection company, Jefferson Capital Systems, who were unable to verify my account despite providing my social security number. Additionally, the agent hung up on me, which is unacceptable and a violation of my rights under FCRA Section 623 ( a ) ( 8 ), which mandates that furnishers of information must promptly investigate and respond to disputes. This account lacks an accurate payment history and has not been properly verified.

Requested Actions : Immediate correction and removal of the inaccurate information from my credit report. 
Written confirmation of the deletion or correction. 
Investigation into the practices of, Jefferson Capital Systems for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter to Experian Dispute Center on XX/XX/2023, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.
Product: Mortgage

In XXXX of this year I refinanced my mortgage. For a few days in XXXX the mortgage was held by Specialized Loan Servicing- and then it was sold to another institution. The problem Im having is that Specialized Loan Servicing has STILL not cleared the balance with the credit reporting agencies, even though the loan was paid in full well over 60 days ago.I called them XX/XX/XXXX, they told me it would be taken care of by XX/XX/XXXX. It wasnt. Now they are telling me XX/XX/XXXX. My credit score keeps going down, because it looks like Im suddenly carrying double the mortgage debt.They should not be able to report money that I do not owe, and never owed them. Please help.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a {$100.00} payment via XXXX from my Wells Fargo account to a XXXX user named XXXX XXXX, who was selling a used car on XXXX XXXX. She requested the {$100.00} as a deposit to hold the car until I could see it in person and complete the purchase. After I sent the deposit, the seller disappeared from XXXX, and her profile became inaccessible. I quickly realized I was the victim of a service scam. 

On XX/XX/XXXX, I reported the incident to Wells Fargo and requested a dispute on the fraudulent transaction. Despite my providing full details, Wells Fargo denied my fraud claim without an option to appeal. I have screenshots of the conversation documenting the sellers intent to defraud me and proof of payment. 

I am filing this complaint with the hope that Wells Fargo will revisit their decision, as this was a clear case of fraud. I would appreciate the Consumer Financial Protection Bureaus assistance in ensuring that Wells Fargo handles this claim fairly and considers the evidence I have available. 

Thank you for your attention.
Product: Debt collection

I have been receiving a call daily for a couple of months from National Enterprise Systems. They leave a message on my answering machine to call a number from a debt collector. Since I have no outstanding unpaid debts, I do n't answer or respond to the call. The number they ask me to call is : XXXX. The call, today, came from XXXX.