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

Experian, XXXX, and XXXX are reporting information that I have not given them permission to. 
According to 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization and I did not and will not give any creditor or credit reporting company the right to add negative information to my consumer report. 
I AM NOT ASKING ABOUT THE VERIFICATION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ASKING EXPERIAN, XXXX, AND XXXX TO PROVIDE DOCUMENTATION THAT I HAVE GIVEN MY WRITTEN PERMISSION TO REPORT NEGATIVE ITEMS ABOUT MYSELF. 
According to law, if you can not provide this, you must cease and desist immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYSTEM ( Original Creditor : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up for a macys card on XX/XX/22 and was told that I would receive 25 % off ALL PURCHASES made that weekend. I used the card several times over the weekend and each time I was told the same thing by each associate I asked ( before making the purchase ). I was told by every one of them that the 25 % would come off my balance when my first bill arrived. There was never a mention of a limit- several associates over several departments in several stores. I then received my bill without the discount on a major part of the purchases. On XX/XX/22 I called customer service and spoke with XXXX who told me the discount was only up to {$100.00}. When I told her that EVERY associate I spoke with told me that the 25 % would be for ALL purchases she apologized for the 'misinformation ' but there was nothing she can do. This is fraud- promising one thing and then not honoring it a few weeks later. Had the 25 % been deducted at the time of purchase this issue would never have come up because I would not have made the purchases. This is a sneaky bait and switch. I returned the purchases that I had not already given away before receiving the bill calculated the amount I owe after the 25 % is deducted, including the misc taxes for the different states. This amount comes to {$840.00} and that is what I paid. I contacted macys via their online portal several times as well as talked to representative several times with no result. I am now being contacted by a collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several times to Experian letter to remove a bankruptcy that's not mine and they have failed to do so. All other credit bureaus have already deleted this information. I got a letter from the courthouse saying they did not send that information to Experian. I will include proof of that, please remove this from my credit : Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Despite having enrolled in the do not solicit list, I received an offer for a Chase Sapphire card. After several attempts in discussing the issue, we finally got assurance that no further offers would be sent after elapse of an approximate time period. However, we have received another offer.
Product: Mortgage

On XXXX XX/XX/2023 SN Servicing sent a letter stating I had an escrow shortage which was odd because my homeowners insurance and taxes decreased. My Escrow increased to {$580.00}. But my taxes and insurance is only {$2000.00} for insurance and my taxes are XXXX. That is a total of {$3200.00} they are collecting a surplus of {$3700.00}. I tried to call and I emailed XXXX XXXX several times with no response. I would like to pay my own taxes and insurance. This change has my payment increasing by {$330.00}.
Product: Credit card or prepaid card

XX/XX/XXXX Scam, My sisters identity was stolen and used to entice me to buy {$500.00} of XXXX gift cards for the thieves. We found out the fraud immediately and notified Capital One by phone. Filed an XXXX XXXX police report and obtained information from my sister. 

XX/XX/XXXX Capital One sent new credit card despite our XX/XX/XXXX phone conversation. 

XX/XX/XXXX letter from Capital One stated no fraud because we benefited from the transaction, not recognizing the identity theft. This accuses me of being and thief and angered me. It also implied that fraud was committed if I had not benefited. 
Another letter of the same date said the fraud investigation was closed. First of 3 identical letters. 

XX/XX/XXXX I sent letter laying out the facts and including the police report, evidence from my sister, referred to XXXX XXXX, and a further attempt by the thieves to defraud. I did state I had been insulted and was angry. I never received an apology, angering me further. 

XX/XX/XXXX I sent letter noting no response to my XXXX letter. 

XX/XX/XXXX I send another letter noting still no response. 

XX/XX/XXXX Second form letter from Capital One identical to second XXXX letter. 

XX/XX/XXXX I sent letter noting the XX/XX/XXXX letter which stated As a part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. However, I still am being billed for fraudulent charges plus interest and late fees. 

In my subsequent phone call I was told that scams such as my case were not fraud under their definition. However, the dictionary considers a scam as fraud and I see nothing to the contrary in the credit card agreement. I said I wanted to close my account and not make payments related to the original scam. I was told my case would be reviewed and they would call me in 8-10 days, later extended a week because of my trip to XXXX XXXX XXXX 

XX/XX/XXXX Another form letter identical to those of XXXX and XX/XX/XXXX. 

XXXX Phone call stated that my appeal for fraud recognition was denied because I did authorize the purchase. They did waive the interest and late fees although late fees resumed from that point. Letter received the next day, although dated XX/XX/XXXX, accordingly. 

XXXX In a phone call I repeated my complaint and again tried to close my account. I was told a letter would be forthcoming. 

XX/XX/XXXX Capital One letter outlined payment options but did not address my complaint or the account closure. 

I have recently received notices that my credit score has dropped from around 840 to about 660.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$160.00} XXXX XXXX XXXX : {$140.00}
Product: Money transfer, virtual currency, or money service

I was scammed by a XXXX hacker impersonating to be my friend and asking me for help. It asked me to use this email address to send the money, XXXX. Then gave me XXXX email to use for XXXX. I sent {$800.00} via Wellsfargo, XXXX email account on XX/XX/XXXX. XXXX days later I realized that I was scammed through posts on XXXX, called Wellsfargo and made the claim on XX/XX/XXXX. 
Then I received XXXX different letters dated for XX/XX/XXXX from Wellsfargo. One informing me about the claim being the payment was processed as requested and then the second letter stating denied based on the information available to us. 
I called Wellsfargo to clarify the status and that I was willing to send them any evidences of XXXX XXXX XXXX account being hacked and reported. WELLSFARGOs response was that the case was closed and that they wont be needing any additional information regarding the case. 
When asked if there is anything I can do, WELLSFARGOs response was that they are willing to support me by receiving the refund if the scammer chooses to send it back through WELLSFARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted on XX/XX/2020 by my Credit Monitoring Company XXXX XXXX. My former creditor Bridgecrest has reported fraudulent account information to XXXX  Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with Bridgecrest. I paid off my auto loan with no balance and the company mailed me my vehicle Title. Bridgecrest has reported to XXXX  that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to XXXX  has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.
Product: Credit card or prepaid card

I was not given the opportunity to opt out of my personal information being shared with the credit bureaus. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that data furnishers reflects the terms and liability for the account or other relationship : reflects the consumers performance and other conduct with respect to the account or other relationship : and identifies the appropriate consumer. 

Based on the findings in my consumer report NAVY FEDRAL has been reporting inaccurately since XX/XX/2021. NAVY FEDRAL is reporting different payment dates and account opening dates to each credit bureau.

( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Comenity capital BankXXXX XXXX XXXX has violated my Rights. 

15 U.S.C 1681 Sect 602 A states I have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

XXXX XXXX by Flagstar Bank XXXX XXXX XXXX XXXX, Texas XXXX. Customer XXXX. Escrow analysis XXXX. Escrow Analysis date : XX/XX/year>. I'm surprise that they charge me XXXX, XXXX for home insurance. Escrow shortage XXXX. Escrow shortage balance XXXX. I tried to contact with them to resolve the issues but it's difficult to connect to the right person that can solve the issues. 

I had 2 home loans with them. XXXX is my home insurance and Flagstar confirm with XXXX. I was really surprise for the total escrow shortage of XXXX, XXXX. I paid both of my home insurance at XXXX. I tried to pay my bills on time. That's the reason my credit score usually above XXXX. Since I have a problem with this Escrow shortage for my home insurance policy issue.My credit score XXXX below but at least maintain above XXXX. I hope I will be able to get the home insurance money that the flagstar bank purchase for my house. What happened I end up paying 2 home insurance at the same time. That's a lot of money on my end to loose. Please help me to resolve this issues.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/year>, I sent a dispute letter with supporting documentation to Experian via certified mail, yet I have not received a response. Additionally, the disputed accounts have not been marked as in dispute on my credit file, which is a violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). Experians failure to acknowledge and investigate my dispute within the required timeframe is unacceptable and must be rectified immediately. 
Complaint The following accounts contain inaccurate or unverifiable information : XXXX. XXXX XXXX  Account Number XXXX Reporting inaccurate past-due balance of {$220.00} as of XX/XX/year>. 
Multiple attempts to dispute directly with the creditor have failed. 
2. XXXX Account Number XXXX Listed as Paid, Closed, but I request verification that all reported information is accurate. 
3. [ Creditor Name ] Account Number XXXX Reported as Charged Off with an inaccurate balance of {$740.00} written off. 
4. XXXX XXXX XXXX Account Number XXXX Charged-off status with a balance of {$1000.00} remains inaccurate despite multiple disputes. 
5. XXXX XXXX Account Number XXXX Closed account, but I request verification of the reporting details. 
6. XXXX XXXX XXXX XXXX  Account Number XXXX Charged-off status with a balance of {$1400.00} is incorrect. 
7. XXXX XXXX  XXXX Account Number XXXX Inaccurate reporting of charge-off status with a balance of {$410.00}. 
8. XXXX XXXX Account Number XXXX Charged-off status remains unverified despite multiple dispute attempts. 
9. XXXX XXXX BANK Account Number XXXX Incorrect charge-off status with an inaccurately reported balance of {$420.00}. 
10. XXXX XXXX XXXX  Account Number XXXX Charge-off reported incorrectly with a past-due balance of {$480.00}. 
11. XXXX XXXX Account Number XXXX XXXX  XXXX is reporting derogatory information that I believe to be inaccurate and unverifiable. 
12. XXXX XXXX XXXX Account Number XXXX Incorrect charge-off reporting with a balance of {$2500.00}. 
These inaccuracies negatively impact my credit profile and have caused undue harm. I have made multiple attempts to resolve these discrepancies directly with the creditors, but they continue to be reported incorrectly.
Product: Checking or savings account

This complaint is about how my bank " Capital One 360 '' handled a chargeback dispute with the merchant " XXXX XXXX  ''.

On XX/XX/XXXX, I rented two scooters from the merchant and paid a {$500.00} security deposit. I was told by the merchant I would receive the deposit back 2 weeks after returning the scooters which I did return the same day. I never received the security deposit after two weeks so I called the merchant about it. Weeks went by without receiving the deposit back.

I then filed a dispute on XX/XX/XXXX XXXX XXXX with my bank and they gave me a provisional credit while they investigated the dispute. They then took back the provisional credit back on saying the merchant had provided documentation that settled the dispute. I asked the bank to provide said documentation. They gave me a letter from the merchant stating that yes they did owe me the security deposit but otherwise did not provide documentation that they actually had returned my deposit. Apparently, to the bank, providing any documentation whatsoever was enough to favor the dispute on the side of the merchant.

I then called the merchant to see if I could resolve this. They went through their documentation and informed me that the bank did a chargeback and took the money from them. The bank also took the same money from me. Now, neither the bank nor the merchant want to deal with me any further.

The bank has stolen this money from me. I have bank statements that show this transaction originally going to the merchant, then there is no transaction from them returning the deposit, then a transaction for the bank giving me the provisional credit, then a transaction from the bank taking the credit back. If the merchant is telling the truth and that the bank actually did chargeback from them, then this seems to me the bank pocketed this money from us.
Product: Checking or savings account

Bank of America charged me a {$35.00} fee on a POS XXXX debit card purchase made with a checkcard. The transaction for {$20.00} was made on XX/XX/XXXX with funds in the account to cover. The next day a check cleared my account and shifted the balance to negative, which I was charged a justified {$35.00} overdraft fee. 

However they then went back on XX/XX/XXXX in retrospective and charged me another {$35.00} afterwards stating that it was in reference to the XXXX charge of {$20.00}. It is illegal to go back and charge an overdraft fee on a debit card transaction, when funds are available at the date and time of purchase. 

I called the bank back and somehow this one time purchase was listed in their systems as recurring, I told them it was not, it was one-time upload and it was incorrectly labeled in their system. I conferenced XXXX rep in to confirm it was not a recurring fee and it was sent over as a 1 time purchase. The bank changed the coding on their end to recurring. They said it was because the merchant put a hold of {$20.00} on the funds on XX/XX/XXXX which then went through on XX/XX/XXXX. Which is ridiculous all debit cards purchases process for a day or two before posting. At the date and time of purchase, if there are funds in the account, the bank can not go back in and retro charge after for a POS debit card purchase. This is exactly what they did 2 days later. 

This is predatory and their were unwilling to help me even after I spoke to 2 representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2021XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021XXXX XXXX Date of Inquiry XX/XX/2021 & XXXX Date of Inquiry XX/XX/2021.
Product: Debt collection

I declined the first suspicious call, but they immediately called me back. They claimed to be XXXX ( a financial support system for medical providers ), and they claimed that I owed {$52.00} for previous services. I knew that I had already paid this balance, so I hung up with the caller, and I called my healthcare provider. They confirmed that my balance was paid at the time of the service. The scammer knew my name, although it was incorrect, as my last name has changed since the time of my medical service. I asked for a call-back number, and I was provided with XXXX. The call-back number turned out to be a car dealership, which solidified my suspicions of the original caller. The number that they reach out to me with is ( XXXX ) XXXX. The call-back number they gave me is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion file number XXXX incorrectly reporting my name as XXXX XXXX XXXX. I do not carry a middle name. Please remove XXXX from my name.
Product: Credit reporting or other personal consumer reports

I began dispute number XXXX for a collections account on XXXX named Jefferson Capital twice recently. The most recent was on XX/XX/XXXX. Both of the results came back as accurate. The original debtor is XXXX, which is no longer in business. Actually, I tried to file a complaint in XXXX via CFPB when the debt initially went into collections. It was forwarded to because CFPB was not able to contact XXXX. It was forwarded to FTC, then closed. I had to file another complaint via CFPB for XXXX because this debt came back from another collections agency and it was removed. The second time it appeared on my credit, XXXX verified the account as accurate.They did not provide the basis for the accuracy especially since they removed it previously. It was removed again. This account appeared on my credit for a third time and was removed. Now, it is on my credit from Jefferson Capital. On XX/XX/XXXX, wrote them explaining the aforementioned prior to it appearing on my credit and the collections appeared on my credit anyway. On XX/XX/XXXX, I wrote a complaint to Jefferson Capital ( with delivery confirmation ) requesting for the original bill and contact information for XXXX for to forward my complaint directly to them. If they can not provide this information, I requested to remove this account and cease communication. I am awaiting a response. XXXX did not provide the basis of what deemed this account as accurate.
Product: Mortgage

I am currently in the process of selling my home and we were supposed to close escrow this week. The buyers had a loan contingency that was signed off early XXXX so we did n't anticipate any issues. Last week the issues began with their loan officer. We found out today after several days of back of forth and little to no communication that their loan in short was no good and they could not proceed with purchasing my home.. The loan officer was the cause of the mistake as she did not do her job thoroughly not only causing me to lose a buyer on my home but also the purchase of my replacement home. The buyer 's loan officer also displayed poor work ethic and refused to answer my realtor or their realtor 's email, text and phone calls. They basically had to harass her continuously to get short XXXX line or vague answers. We still have not gotten to the bottom of everything as she is refusing to give us information and from my knowledge will not give up the file to another loan officer that is experienced in this whole situation. As of today all I understand is that the buyer ( who signed off the loan contingency ) does not qualify for a conventional loan and they are still waiting on the XXXX loan as the loan officer failed to be thorough with the process and more skeletons such as a foreclosure came up. We tried to file a complaint to the branch but come to find out she is the branch MANAGER so we would get nowhere with her. I even had to send her an email to try to get answers and it fell on deaf ears. Personally I would like her to be reprimanded as high as I can go as this is not fair. I lost our dream home because of her and we lost our buyer on our home. Please contact me ASAP so I know the next process to take. 

Loan Officer this complaint is regarding XXXX XXXX, On Q Financial Senior Loan Officer NMLS # XXXX XXXX