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

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under USC 15 1681. XXXX XXXX account number # XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX I surveyed my Transunion credit report on XX/XX/2024 and noticed some irregularities also that some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incorrect or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the original file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of said consumer.And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the individual knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

XXXX I received an email stating account negative. Several duplicate transactions from the same merchant posted on XXXX then same transactions posted XXXX totaling over {$2500.00}. After speaking w/the merchant, I was advised they didn't see any orders or transactions processed on XXXX only the order on XXXX. 
XXXX spoke w/new rep XXXX who after 45min stated she needed help and transferred me to XXXX in FL . I advised duplicate charges, XXXX advised because of the amount and number of duplicate charges she would submit as fraud. XXXX closed my card and said submitting as fraud because we would be on the phone over 2 hrs if she did each transaction. I asked if submitting via fraud not duplicate like I stated if claim would be processed differently, her response was no. 
XXXX called back to verify if fraud was the correction action, spoke w/senior client advocate XXXX who stated it appeared to be fraud vs. duplicate charges because of the number of times the amounts posted. 
XXXX spoke w/rep XXXX who stated claim denied as it was not fraud. I advised of previous conversations and parties spoke to. Rep sent a request to reopen w/the correct action. 
XXXX spoke w/supervisor working the phones XXXX in FL who stated reopened claim was done incorrectly and about to be denied again. I was also advised to now send in the order email from the merchant. 

I have not received a provisional credit or my money otherwise! Each rep and supervisor that I speak with agree they see the obvious duplicate charges HOWEVER when it goes to the research department in the claims area they are simply denying and closing out each claim submitted. My account is in the negative w/nsf due to the obvious duplicate charges. I need my money back! I again called the merchant who is stating the same they only show one order w/one day of processing. The bank should dispute as duplicate, send them the information so they can state duplicate, no record of second order. The bank is not doing this?! Please help I am not only a veteran but I have XXXX XXXX XXXX XXXX and this is causing me to a lot of undue stress and to be quite uneasy.
Product: Checking or savings account

I received notification from Wells Fargo about my online checking account. I NEVER OPENED ANY ACCOUNTS WITH THIS COMPANY IN MY LIFE!! I called this bank and sent several emails that this was a fraudulent account and they refused to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not my accounts they are FRAUDULENT Im not the XXXX XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Product: Credit card

My saga with Barclays has been ongoing since XXXX of this year ( XXXX ). It is now XX/XX/. In XXXX, someone used my personal information to fraudulently apply for and open an Old Navyist Rewards Credit Card, and then proceeded to make 3 in-store purchases between XX/XX/XXXX and XX/XX/XXXX for an amount close to {$1000.00}. I called Barclays, who I guess services the Old Navcyist credit cards, to report the fraud. They gave me no information at that time about what information they needed from me in order to prove that this was fraud ; they simply told me they would investigate. They investigated, and determined it was indeed me who opened the account and made the charges. So I filed a police report, reported the fraud to the credit bureaus, and provided this information through the mail to Barclays. Barclays claimed never to have received the information I mailed to them. So, I faxed it to them. I also sent them copies of time- and location-stamped digital photos showing that I was not in the locations where the purchases were made on XX/XX/XXXX and XXXX. I did not have location services turned on on my phone at that time, so I'm not sure how else I can prove that it was not me. They have once again denied my fraud claim and are preparing to send my account to collections. 

This is ridiculous and an insulting waste of my time. My credit history prior to this fraud shows a near-perfect record. I have never opened a rewards credit card of any sort, and though I have made purchases from Old Navy in the past, I have never made a retail clothing purchase for anywhere near the {$700.00} of one of the fraudulent charges that were made to the account. My credit was excellent for my entire adult life until this fraud, and I am outraged. I'm not sure what else I can do to prove that I am not responsible for this account. Hopefully this complaint will help.
Product: Credit reporting or other personal consumer reports

I paid off XXXX XXXX student loans over 6 months ago, and XXXX and Experian both still report the accounts as active and in repayment ( and the balances as several XXXX dollars ). I contacted XXXX several times, and they confirmed theyve reported to all XXXX credit bureaus that the accounts are paid in full/closed. Ive also filed disputes with XXXX and Experian- they closed the disputes without resolving them.
Product: Debt collection

i have several accounts on my credit thats not mines i need it deleted i called all creditors they said the samething i still must pay it
Product: Credit reporting or other personal consumer reports

Complanit Report number XXXX states accounts I disputed was remove. 

NONE have been removed. 

reported fix states Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. Inquiry : XXXX THIS FRAUD ACCOUNT/INQUIRY HAS BEEN DELETED. NON REPORTING DISPUTES Inquiry : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my reports and noticed I had some unauthorized accounts and inquiries listed. I also noticed XXXX reinserted an inaccurate account that they once deleted. I know that this is against the law so I ask that they remove this immediately. I also demand that the other unauthorized inquiries get removed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX - This is a complaint against the timeshare XXXX. The account mentioned, has appeared in my report multiple times but has already been deleted before but it re-appeared with the same account number, & is reporting negative. I spoke with their people ( I remember XXXX XXXX ) who were introduced as representatives of XXXX rather than a salesperson. I was told I am making good financial investment, because the resale value would go up & that I can actually make money from it by renting it out to people thus earning me rental income or once I finished paying them, I could resell it to a higher price. They also said it has some tax benefits. They offered me gifts like a certificate to use for 2 years instead of using credits, which I never got to used because I never got them as promised. I felt pressured and rushed when they told me it's my last chance at the lowest price. I felt I am being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant me the price being offered. They opened a credit card for me, they are the ones who did the entire process, signing the application, they did everything for me without me realizing it. I never even received a copy of the application nor was I informed of the fees. They didn't even allow me to read and fully understand the contract and they never gave me an original copy of the contract or any deed from other contracts. Everything felt rushed, I was even threatened that I only had that day to decide. One more problem was that I wasn't made aware of the cancellation process, They didn't even proactively educated me as to how many days to cancel. XXXX XXXX told me to call her if I wanted to cancel, I've made phone calls to her requesting to cancel, I've left messages but I never got any replies. I was XXXX years old when I dealt with them, and now I am at XXXX, I already have some medical conditions, & having this timeshare just doesn't help someone as old as me, I have limited income because I'm retired, so I'm having financial difficulties meeting my bills, I even lose sleep over the stress caused by this timeshare. This timeshare has been very stressful for me and to make it worse, they're constantly calling me for payments everyday. I've had the worst experience with this timeshare, the pressure used by their representatives, the amount of time it takes, the false promises they told me but most of all the constant manipulation used to control you to force you to buy the timeshare. They won't listen or care about what one is saying to them, will make you feel guilty if you say no or don't sign. I was defrauded and lied to but surely I was taken advantage of due to my age.
Product: Credit reporting or other personal consumer reports

I initiated a dispute with Experian on XX/XX/XXXX for a collection on my credit report. The report came back on verified. I reached out to Experian via phone on XX/XX/XXXX @ XXXX to ask how do I submit a request for verification on how my dispute was processed and the agent told me that he can not give me that information because the dispute is not verified through Experian. They send my request to the creditor or collection agency and the creditor or agency advises whether the account is valid and then Experian will mark dispute verified. I then stated so you are telling me Experian does not complete their own investigation or request verified details of a dispute and leaves that to the creditor or collection agency to verify with providing proof. He advised that is how they investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans which were being serviced by Great Lakes have been transferred to Nelnet ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by XXXX ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History
Product: Credit card or prepaid card

I have been a Bank of America customer since XX/XX/XXXX, and I opened my account with my XXXX passport. In XX/XX/XXXX, a fraudulent credit card application was filed with my name and social security number. However, this application also falsely claimed that I was a XXXX XXXX. I have never claimed to be a XXXX, and I am currently in the XXXX XXXX. I am concerned that Bank of America updated my XXXX  status when this application was submitted and during the fraud investigation they did not correct it back to XXXX XXXX. I need written documentation showing that Bank of America erroneously put this information on my file and neglected to correct it as necessary, considering false claims to XXXX XXXX  can have devastating effects on XXXX. 
I have contacted Bank of America, including the Head of Consumer Client Services, several times regarding this issue and they have not provided the documentation they told me would be coming when I spoke to them on the phone. I need this written documentation to prove to the government that I did not make this claim in case the need arises. I have complained to the Attorney General 's office for my state and they were unable to rectify the situation.
Product: Money transfer, virtual currency, or money service

I opened an account XX/XX/2023. I was told I would have control over the account and if I needed help from a financial advisor I would be able to get that. 2 days of having the account and I tried to login again and it states that my account is disabled. Ive tried every week since then to get in contact with someone to find out why this has happened. Each phone call and email has left me with little to no information on who I could speak to regarding this issue. My money has been put into Merrill  edge and at this point I do not trust anything they say.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My wallet was stolen I am not sure of the exact date only it was the beginning of XXXX. I could not make a police report for my wallet because of the timing. I lost belongings like my drivers license and my Wells Fargo debit and ATM cards. Wells Fargo denied my unauthorized/fraudulent transactions. The total fraud transactions are XXXX XXXX. I disputed these XXXX fraud transactions using XXXX separate claim numbers. The first claim # is XXXX totaling in {$2000.00} with XXXX fraud transactions. The second claim # is XXXX totaling in {$1500.00} with XXXX fraudulent transactions. The last claim # is XXXX totaling in {$10000.00} with XXXX fraud transactions. I could not make a police report due to timing and I dont have the information of the merchant where the transactions were made. This is financially crippling. I worked hard for my money to just get stolen so easily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.
Product: Credit card

I returned some items on XX/XX/XXXX. I wrote to the company on XX/XX/XXXX ( because it was not showing up as a credit on my store credit card ( where the items were purchased from ). 
The response I received was that they did receive the items at their return processing center on XX/XX/XXXX BUT the return process may take XXXX to XXXX business days to complete. Then, it typically takes another XXXX to XXXX business days for your refund to be processed back to the original payment method you used when the order was placed ( which was their own store credit card ). 
So they received the return items on the XX/XX/XXXX but it will take up to XXXX business days for me to get the credit ( XX/XX/XXXX ), on their own store credit card, which means this will pass the due date on my statement by 7 days. 
This is a ridiculously long time to wait for a credit on the items that I no longer have in my possession, that they do have in their possession AND will cause me a financial issue if I do not receive the credit in time ( it is the full amount of what I owe ). They said that I can pay the balance and then when the return clears their system I can request that they return the money to me but I would imagine that will take numerous days to receive based upon their processing time with a return.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information added to complaint IDs : XXXX I have made disputes with XXXX, Experian, and XXXX for the collection account inaccuracy reported by XXXX XXXX XXXX XXXX XXXX 3 different account numbers to the credit bureaus in XX/XX/2022. 

Experian account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX XXXX account number reported : Ending in XXXX XXXX, XXXX, and Experian have failed to investigate the accuracy of this collection.
Product: Checking or savings account

XX/XX/2020 my direct deposit for my unemployment went on my bluebird card, and they cancelled my card for no reason and they wont let me get my money out XXXX was deposited at XXXX
Product: Vehicle loan or lease

Mercedes Benz sold me a vehicle XXXX. The car did not last according to the contract. Mercedes did everything in its power for me not to own the car outright. I paid or financed XXXX for the car, I was down to XXXX owed for the car, before it was repossessed. XXXX tried to collect XXXX for the car after repossession ; in which, I do not have and filed on my credit report. I paid Mercedes cash. MercedeXXXX failed to ensure motor vehicle safety and provide passenger motor vehicle information from all information systems, including about prior owners and incidents.
Product: Mortgage

Built a new home on an empty lot. After a recent assessment taxes increased. I received a letter from Lakeview Loan LLC that there was an escrow shortage. I first tried to have the escrow account removed from my loan and I would pay the taxes and insurance on my own as I already pay my homeowners insurance in-full for the year. Lakeview denied my request. Lakeview gave me 2 options ; a ) pay the escrow shortage in-full by XX/XX/2020 XXXX {$2400.00} XXXX and our payment would increase from $ {$2500.00} to {$2800.00}. OR option b ). Not pay the escrow shortage and our payment would increase from {$2500.00} to {$3000.00}. 
I paid the escrow shortage IN-FULL on XX/XX/2020. 
My XXXX payment was received BEFORE XX/XX/XXXX and Lakeview has my payment @ {$3000.00}. 
MY PAYMENT SHOULD HAVE NEVER EVER EVER BEEN {$3000.00}. The shortage was paid in-full under the terms that Lakeview provided to me.

I have been calling, writing, speaking to Lakeview and no one is willing to assist me. Lakeview is not handling my payments correctly. I have lost all trust in Lakeview. 
I spoke to supervisor XXXX # XXXX on XX/XX/2020 and she promised me a call back and to get the problem resolved. Liar. I spoke to supervisor XXXX # XXXX on XX/XX/2020 ; promised to correct this problem and also a call back. Liar! 
I work hard. I pay extra every single month on my mortgage. Lakeview is not distributing my money correctly. 
Im disgusted with their complete and blatant disregard of respect and customer service.