23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My over seas trip between XXXX XXXX XXXX XXXXXXXX was suppose to be charged solely on my capital one card solely as my travel points were to be applied. to this trip additionally they provided free transactions. As in no overseas fees would be charged. 

It was unfortunate that I could not use the card in almost majority of my trip and had roaming on which cost me almost a triple my phone bill since I had to get the otp over the phone verification. I ended up using XXXX XXXX card for the trip who in turn, charged me fees for my entire trip. 
After making calls over calls over call during that first 4 weeks and resubmitting my id with fraud department over and over again I ended up giving up and using cash or paying fees with XXXX XXXX. 



2nd complaint with XXXX XXXX was them denying my application for not having an excellent score of XXXX and up. 


Initially during the application process I was told by their in first week of May that Im pre approved for their for another credit card and that they wont run my credit for it. For the pre authorization. Since I had a balance and need to transfer it to 0 % interest I took their offer and was pre approved for XXXX cards of which saver one showed up. At no point during my call was I told I needed a perfect or excellent score for this card. After applying I uploaded all the documents in XX/XX/XXXX right away with the front and back of my ID card, social security card and document letter which was required. Days later XXXX I received a letter stating upload the sane all XXXX requirements, I called customer service since the application line was not open I told them Ive submitted these online is that okay. She said yes. Then I waited and waited. Instead of 10 days I waited 13 days and called them. They asked again your documents are missing. I sayd no theyre uploaded I have a confirmation. So the next day I get a letter of denying me the card. When asked the supervisor they apologized for not being able to explosion it to me that they need XXXX plus excellent score. 

At no point was this discussed with me prior to running my credit and hitting it with points. 
I spend days waiting on them to contact me while pulling me away from other resources that I couldve researched to keep me from having this interest hit my balance that needs to transferred
Product: Credit reporting or other personal consumer reports

XXXX delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt. nor therefore any such debt, in fact therefore exists Remove immediately XXXX XXXX
Product: Debt collection

I have made several attempts to fix this issue and have been unable to resolve it. No one can tell me anything except they can't find an account in my name but these debts are on my credit profile.
Product: Credit reporting or other personal consumer reports

Dates N/A Amount XXXX Actions reported to credit bureaus numerous of times and inaccurate account is still on report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT, LIVE AT or WORK AT THE PLACES LISTED BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Employer : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document XXXX, XX/XX/2023, XXXX, XXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX Equifax and XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately and update the 4 late payments on my XXXX XXXX to never late paid as agreed. in accordance with the FDCPA.
Product: Debt collection

National Credit System is reporting inaccurant information on my credit report. 

They are reporting that I owe them XXXX dollars from an apartment who are misrepresenting our arraignment and providing the with inacurate information. 

The apartment complex had my correct address and fowarded mail was provided but did not send me the letter advising when and why they reporting my debt to a debt collector. I recieved other mail to my new mail box- they did not even attempt to send me a debt collection letter. If they did I would have challenged the inaccuries of their report. XXXX began being fowarded XX/XX/XXXX which is a few days before I moved out. 
They were very nice in talking and never answered my emails back, but only would come to my door and talk. 

They were offered back pay before this time they reported this information and refused the accept the money and National Credit System has not been able to provide me with any truthful information involving this debt, but yet sent the paper to Nation Credit system without sending it to me so I could defend myself. 

This has caused me to have to leave in a homeless shelter because I am not able to get adeqate housing. I have disputed this account already and will attached open dispute in this complaint.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block inc ). Due to inadequate consumer service and unfair practices. Which violates the costumer protection act.
Product: Debt collection

The company AFNI , Inc, XXXX XXXX, XXXX CA XXXX ; AFNI XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX deceptively conceals contact information in unmarked envelope, hence appearing as marketing or trash. 
XXXX. Harasses with verbage that subrogation is now reduced from {$25000.00} to {$10000.00} due to comparable negligence. 
XXXX. Currently, knowing AFNI , Inc that my case is under lawsuit in case pending with another collection company in district court, which law only allows one subrogation lawsuit on file.

4. Threatening verbage continues with lawsuit if I don't send money {$10000.00} to above address.

5.I have multiple agencies aggressively calling me as well with harassing phone calls up to 4 times a day. With phone number only shows as a debt collector..but does not confirm if it is the same company ; so I request this number be notified to cease and desist " collection '' as this is an illegal collection pending in district court with a law firm representing the insurance company and myself. 
XXXX. Please send cease and desist letter to above inc., as well since these are overlapping unfair collection practices from these two companies for now.

7. Since these are not yet in my credit report, I would like to stay on top of my credit report.

8. Thank you for your time in assisting during the bombardment of collectors whom think they can harass, threaten and assumption on compatible negligence. And, I seek maximum fines and a counterclaim fee from these two companies knowingly seeking collection when company has access to current pending legitimate subrogation and stressing me out... 
Thanks XXXX XXXX XXXX
Product: Vehicle loan or lease

Coverages were confirmed that they were canceled by both third-party companies and funds were returned to the dealer. They have not sent the funds onto my car loan company, so Im still paying on things I dont have access to this is criminal I shouldnt be expected to pay for things that I dont have coverage for and the dealer after multiple phone calls and emails has refused to call me back. 
The dealer is XXXX XXXX XXXX Florida.
Product: Credit card

We always use the promo feature when using our Care Credit card and I am diligent to make sure it pays in full before the promo expiration date. I paid {$420.00} extra ( on XX/XX/year> ) on the top promo, knowing that the final {$150.00} would come out on the regular due date ( on XX/XX/year> ) to finish paying if in full before the expiration date ( on XX/XX/year> ). When I checked the account, Care Credit had misappropriated the {$420.00} and put {$53.00} on the next promo, potentially causing the 1st promo to have missed the expiration date. They could then assess the accrued interest of almost {$260.00}, except that I caught it in time and called them. They gave the excuse that there must have been a glitch in their system. That is not acceptable, since they could have stuck us with another {$260.00} in accrued interest. I believe this is fraudulent.
Product: Credit reporting or other personal consumer reports

I'm lodging a personal complaint about late payments appearing on my credit record. Upon examination, I've identified these late payment entries. I sent inquiries over a month ago but have received no response or adequate validation. I'm now requesting help to quickly and effectively resolve this issue.
Product: Debt collection

I was not aware of this account. I didnt sign nor did I have any knowledge of this account. I have a identity theft affidavit please review and delete this is nit mine.
Product: Mortgage

XX/XX/XXXX Wells Fargo sent me more notices stating that I am " Seriously delinquent '' for XX/XX/XXXX & XX/XX/XXXX, which Wells Fargo knows is not true. 

Last month I filed a complaint here with the CFPB reiterating the large number of problems I have had with the erroneous account keeping with Wells Fargo and how money goes unaccounted for in the account and with the constant late notices that have escalated to fees and credit reporting. 

While Wells has admitted that they did receive the Mortgage payment for XX/XX/XXXX, they are still sending delinquent notices and have not acknowledged they receive the XX/XX/XXXX payments. WF is harassing me and threating foreclosure and has yet to send me the monthly statement for XX/XX/XXXX nor XX/XX/XXXX. 

For the record XX/XX/XXXX WF cashed the Mortgage check # XXXX, ( {$630.00} PI ) on XX/XX/XXXX and the escrow check # XXXX for {$140.00} also on XX/XX/XXXX. Wells Fargo did not send any updated monthly statement reflecting those payments. 

WF also has created an unapplied suspense account in which money appears then disappears without explanation. Normally suspense/unapplied funds are a result of escrow shortages ; however the escrow account has not been, nor is now in any shortage situation ; in fact XX/XX/XXXX, I received Check # XXXX Which WF explained ( only after I pressed with a CFPB complaint ), was a overage check. 

The Veterans administration approved this Loan XX/XX/XXXX, I have never been late with monthly payments and Wells Fargo is very much aware of that, yet they continue to withhold funds, manipulate and misapply payments. 

In the last statement of record sent by Wells Fargo, ( dated XX/XX/XXXX over 2 months ago ) they documented that there was XXXX in the Escrow, coupled with XXXX in a suspend/unapplied funds account which totaled XXXX on XX/XX/XXXX Wells received an addition escrow payment of XXXX ( XXXX ) adding to the total, XXXX, XX/XX/XXXX, more escrow payments CK # XXXX for XXXX and XX/XX/XXXX CK # XXXX bring the total escrow payments to XXXX which is more that my Taxes and insurance combined and exceeds the minimum low point in the account, with 3 months remaining. 

Wells Fargo has created this unnecessary unapplied account where money seems to disappear. The have created work sheets in XX/XX/XXXX, XX/XX/XXXX and again last month trying to justify moving money around and why it disappears. 

They created XXXX escrow analysis 3 months apart. They have created this unnecessary " unapplied '' funds account and moved money around without justification for that account. I have never been late according to VA guidelines nor has there been any shortage in the account. 

I have yet to receive monthly statements to reflect XX/XX/XXXX or XX/XX/XXXX payments. I highly recommend Wells be audited. 


For the record Check # XXXX XXXX mortgage PI XXXX ) for XXXX and escrow check # XXXX for XXXX was cashed by Wells Fargo on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax XXXX and XXXX several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. XXXX XXXX and Equifax has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.
Product: Credit reporting or other personal consumer reports

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ XXXX ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 
In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXX FIN SVCS XXXX XXXX Date opened XX/XX/XXXX Balance - / XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX / XX/XX/XXXX XXXX Date opened XX/XX/XXXX / XXXXXX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance / Public Record Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX / Bankruptcy XX/XX/XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX -/ XX/XX/XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXX
Product: Debt collection

My company received a call from XXXX XXXX asking for me, I did a web search and they have had complaints from the FTC filed, and I do not believe they should contact my workplace.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Checking or savings account

I am having problems with a transaction that happened in a Bank of America branch in XXXX XXXX Florida. The teller charged my account for money I did not receive during a cash withdrawal transaction. I submitted a claim for the missing money, and Bank of America is not willing to work with me in settling the matter.
Product: Credit card

I had a Nordstrom credit card which charged off in XX/XX/XXXX with a balance of {$920.00} when I was having financial difficulties. I recently tried to call and settle the balance, but they refused and said the debt had been cancelled/written off. I then received a XXXX and had to include the {$920.00} as income on my XX/XX/XXXX tax return. However, the account is still showing on my credit report with a {$920.00} balance and reporting each month that it is delinquent. I called Nordstrom to try to resolve this balance, and they would not accept any payments, nor will they update the balance to {$0.00}, which means I essentially can do nothing to satisfy this account. The account is reporting delinquent EACH month on my credit report. Therefore, my credit score will be negatively affected until the account expires, which is wrong and unfair.
Product: Credit card or prepaid card

I had purchased an item on XXXX with my Capital one card, and I needed to return the item because it was the wrong size. When I had called XXXX they told me that they had sent me the return label of the item that I needed to return. Once, I tried to make the return, I couldnt because I wasnt sent the right return label from their own customer service center of XXXX and Capital One said that they could not do anything.