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

XXXX XXXX reports on my credit file And account is not mine
Product: Debt collection

A collection agency has now reported a debt that was over 20 years old and had been included in a bankruptcy. The reported item has been disputed. Item has not been removed.
Product: Debt collection

XXXX XXXX XXXX has been harassing me for a while now. I have asked these rude foreigners to stop calling my phone. They have violated my rights as a consumer. At this point I have the right to file a lawsuit and I will be filing a lawsuit against XXXX XXXX XXXX. I dont owe them any money never did business with them at all. This company is a junk debt buying business that needs to be stopped on their tracks. I never one have anyone permission to share my private information with XXXX XXXX XXXX. If anything appears on my credit report will only add to my lawsuit. I do not owe any debts. Please stop harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Mortgage

XXXX XXXX we applied for a refinance loan with Citibank . Our permanent residency at the time was a coop in XXXX, NY. 

Nine long months later.. 

XXXX XXXX XXXX to a family emergency we had to temporarily move out of state and decided to rent out our home. 

We were notified that our loan was declined because the coop was no longer our permanent residency and we were renting it. 

The refinance process took 9 months and throughout we were told that the COVID pandemic created delays that were out of their control. We were asked for duplicate copies of the same documents, asked wrongly to comply with multiple appraisals and our calls and emails were ignored by the representatives we were assigned and their supervisors. 

Just this week ( XX/XX/26 ), sales manager XXXX XXXX reported to us that his supervisor again declined our loan. Mr. XXXX agreed that there was a high level of incompetence by those who handled our application and he felt that we should be approved. However, ultimately, he said that that he couldnt do anything. 

If this process had been handled appropriately then according to Mr.XXXX  it should have been approved and closed in three months from the start of the application. 

Citibank messed up and now we have lost out on a significant amount of money for our family.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer with XXXX Bank on XXXX XX/XX/year>, the funds were deducted from my account the same day. On XX/XX/year> the beneficiary has still not received the funds. All that Discover could tell me was that the funds were being processed through a chain of banks and the Federal Reserve. They provided me with a wire trace number or tracking number : XXXX. But I can not do anything with that number- discover can not do a wire trace for me, and I do not think that the destination bank will run a wire trace for me. My real estate closing is at XXXX today ( XX/XX/year> ), and if funds are not received immediately, the closing will be delayed. The other wire transfer I did with a different bank went through on the same day, so I do not understand why it is taking so long with Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. I asked for you to remove these accounts from my credit report and you instead updated them. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. You are reporting two accounts for the same debt which is considered double jeopardy. XXXXXXXX XXXX XXXX XXXX was written off for {$1200.00} which is the same balance being reported for XXXX XXXX XXXX XXXX. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the cfpb complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XX/XX/2019, Experian offered a Beta Boost program that claimed to improve your credit score if your monthly bills were paid on time. 

At that time I had a credit score 25 points higher than it was before joining Boost. 

I provided Boost with my Bank and accounts for them to monitor for my credit card payments for my utilities, cable, electric and the bills that I pay with that specific credit card. 

The first time I called about the lower score they said the name on the credit card had to be exactly the way Boost showed it in their database. Experian had my middle initial in their database but my credit card did not have my middle initial. Boost than changed my records in Experian to remove the middle initial so that the Experian files would match my Credit Card file. 

When that didn't help I explained that all my bills are on autopay with all of my utilities etc on a monthly basis so there was no way a late p [ ayment could have played a part in lower credit score and there were no negative reporting to my account between the time I signed up for Boost and today. 

They then informed me that Boost doesn't work with autopay accounts and they were working on fixing it. 

I still had a lower credit score and Boost suggested I remove myself from the Boost program and my score would go back to where it was, so I did exactly that. 

My credit score is still lower than where it was before Boost and its been 5 months. I submitted a complaint to the XXXX XXXX XXXX and the Federal Consumer Protection Agency and Experian refuses to respond to either one of them. 

My only option would be to have my file conversation records Subpoenaed to be able to prove in court everything I have just stated is accurate and true. 

Experian has demonstrated a complete lack of wanting to help me fix my credit score which was lowered after joining the Boost program and has shown no concern or caring about ruining my credit score which I worked very hard to maintain.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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: Credit card

On XX/XX/XXXX I filed a complaint with cfpb against Capital One Credit Card company complaint # XXXX. In XXXX XXXX response they misrepresented facts of the case to cfpb. This is the same thing they have been doing to me since XX/XX/XXXX. 

XXXX. The information they sent to cfpb was not complete. I have copies of letters they did not include about this case. 

XXXX. XXXX  sent merchandise to me on XX/XX/XXXX and I returned the merchandise to them by XXXX. XXXX  received the merchandise back on XX/XX/XXXX. Within XXXX  days of my receiving the merchandise. This met XXXX  Online Return Policy but because Capital One had a CHARGEBACK on XXXX  could not refund the money to me. 

XXXX. Capital could not identify what kind of case this was. Was it fraud or dispute? None of the employees or their managers knew what to do. No one at Capital One knew what to do. They did not identify it as a Dispute case until XX/XX/XXXX. They sent me an email about this purchase XX/XX/XXXX it is now more than XXXX  months later and they have requested no information from me. 

XXXX. Finaly on XX/XX/XXXX Capital One sent us a form to complete and ask for additional information. Capital One did not like the way we completed the form. I found this out on XX/XX/XXXX. The letter said the form Lacks all of the previously requested information to validate my dispute. No one identified what the information needed was or gave us any help by phone or in writing. 

XXXX. In the letter with my name that they sent to you ( they did not send a copy to me ) they said that in the future please let us know within XXXX  days of receiving the statement that shows the dispute charge. WHAT DOES THIS MEAN, HOW MANY TIMES HAVE THEY CHARGED AND CREDITED MY ACCOUT BY NOW XXXX  MONTHS LATTER! 

XXXX. I contend that Capital One mislead me and they misled cfpb regarding this complaint. I feel like I have been running around in circles. I have never had a person at Capital One I could identify by name that would work with me to resolve this issue. Capital One wants to make everything they communicate so generic so they will not be responsible.
Product: Checking or savings account

TRUIST failed to refrain from charging the account overdraft fees after I opted out of the service. They charged a {$36.00} fee on XX/XX/2023 after I ended the service. They also charged {$36.00} for an overdraft fee on a transaction that was deducted prior to them added an annual debit card fee to the account. This annual fee caused the account to go into the negative. 
I submitted an oral dispute on XX/XX/2023 and TRUIST failed to conduct the proper investigation and provide written notification regarding their decision. I mailed written Dispute and Cease & Desist notices on XX/XX/2023 and TRUIST never responded. 

I want TRUIST to deposit the {$72.00} total back to the checking account and pay me {$2000.00} for their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Experian and XXXX regarding this issue. 
Experian conducted an investigation and despite verifying that they received false information from XXXX on accounts that have been closed for over 8 years, they refuse to remove them from my credit report. 
Furthermore, XXXX continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now. 
Both Experian and XXXX are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both. 
The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to Experian '', or " talk to XXXX '', which I have done - repeatedly - with no resolve.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent inquiries from my credit report. I have identified these inquiries as a result of identity theft, as detailed in the attached Identity Theft Affidavit.
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 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 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: Student loan

I am 100 % certain I qualify for total discharge of my student loans with this agency. Regarding the Navient Multi-State Settlement. According to the attorneys general, the interest that accrued because of Navients forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. I obtained my loan of {$7500.00} XX/XX/XXXX, 14 years ago. I have always been placed into a forbearance. Now because of all the capitalized interest my balance is {$17000.00}. I meet all the forbearance eligibility criteria for federal loan forbearance steering. Now Navient has is refusing to acknowledge this or look into it and states as of XX/XX/XXXX I have to start paying back this loan.
Product: Credit card or prepaid card

I was looking at my accounts at Capital one and saw they were " restricted ''. When I called in, I was dialed into the fraud team. The fraud team told me that it appears my payment failed from XXXX XXXX XXXX. I also can see a failed ACH payment on my online statement. I told them that I don't have an account with XXXX XXXX XXXX ( haven't for 10 years ) and said I did setup a payment, but from my XXXX XXXX XXXX When I setup the payment, it was using accounts that are pre-populated in the Capital One XXXX. I only have 3 accounts setup there ( XXXX from XXXX XXXX XXXX XXXX from Capital One ). The supervisor said there was a case open and I asked to talk to that team. She refused to transfer me or provide any assistance. I have no idea what happened or what is going on. I need someone from Capital One to please help me fix this, but they were completely unwilling to do so.
Product: Credit reporting 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 account name/ XXXX XXXX personal credit card. Has violated my rights 15 usc 1681 section 602. States I have the right to privacy. 15 usc 1681 section 604.A 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions and crimes which antedates the report by XXXX  years. 15 usc 1681 1s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX and Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to Experian to attain the results of my dispute submitted on XX/XX/2021. I spoke to a representative around XXXX who informed me that they did not investigate my dispute and that their company does not investigate.
Product: Credit card

Multiple online inquiries, emails, phone calls, and letters sent to Goldman Sachs as well as speaking with Apple directly. Dates include ; XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The initial overcharge amount was {$160.00} with subsequent interest charged on this amount. Goldman Sachs did give me a credit of {$130.00} ( plus credit for some of the interest charged ) leaving overcharged balance of {$30.00}. I called Goldman Sachs and Apple XXXX on XX/XX/year> and was given a a credit of {$30.00} that was reversed on XX/XX/year> with no explanation. Today, XX/XX/year>, I paid the remain balance I owed on the credit card less the {$30.00} overcharge. Today, I used Goldman Sachs online dispute to challenge the reversal of {$30.00} stating that they have the original Apple XXXX showing authorized charges, and their computer system shows all payments made to-date show the total authorized charges are paid in full, however their computer systems continues to show the remaining overcharge balance of {$30.00}. I have again asked them to correct their mistake and advised them that I was reporting them to both the federal and XXXX  state banking regulators for fraudulent activities.
Product: Checking or savings account

I just opened account online on XX/XX/19 and made an initial deposit. Today, I just tried to log in online and was told my account was locked due to fraud detection. They wanted me to come into a local branch to verify my identity. However, I am out of town on a business trip for 5+ months and there is no branch located here. I offered to go into an affiliated bank here but they declined. I am out of options so wanted to close my account and be refunded the deposit since I can't have access to my money. They told me that I could not close my account until I visit a local branch which is impossible.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Trans Union for fraudulent accounts that have appeared on my credit report, and I have been stressing to Trans Union that these accounts is a result of Identity Theft stemming from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The erroneous, fraudulent accounts consist of an alleged auto loan XXXX XXXX XXXX and credit cards with XXXX XXXX. These accounts are not mine and I demand the fraudulent items listed to be removed, or I will hire an attorney and SUE TRANS UNION. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Again, I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ) that Trans Union block and remove within 4 days per statutes and request that all written confirmation relating to this CFPB matter be sent to me via email.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and discovered that the following inquiries were made : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX and Possible XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding unknown inquiries that have appeared on my account. Despite my efforts to address and remove these inquiries, the matter remains unresolved. 

I want to emphasize that these unknown inquiries have caused me significant concern and uncertainty about the security of my account. Despite my diligent efforts to address the issue, the inquiries persist, which is deeply troubling. 

I kindly request that you take immediate action to investigate and remove these unknown inquiries from my account. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the removal process. 

Additionally, I urge you to review your inquiry tracking systems and security protocols to prevent similar unknown inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is paramount in maintaining trust and confidence in your services. 

Failure to resolve this matter satisfactorily may compel me to explore further actions, including seeking assistance from regulatory authorities or legal counsel. However, I hope that with your cooperation, we can resolve this issue amicably and efficiently. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account Number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTB, XXXX, CFPB