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

This a formal compliant against Experian regarding inaccuracy on my credit file. On XX/XX/XXXX, I  discovered that XXXX XXXX account number xxxxxxxxxxxxx XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX  which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified Experian in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/2021
Product: Debt collection

I took a credit card for furniture ( in store card ) XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The XXXX. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Product: Mortgage

In XXXX of XXXX when we bought our home our mortgage with escrow was {$1300.00}. In XXXX of XXXX we got a check for {$3700.00} because they charged to much in the last year for taxes. Starting in XXXX of XXXX our new mortgage was changed to {$990.00}. Now this month we got a notice saying they did not take enough through the past year and we now owe a surplus of {$5600.00}. That amount is to be taken out over the next XXXX months because of their XXXX in not taking out enough every month for our escrow that is their job to keep up on that. Now our mortgage for the next year has almost doubled going up to {$1800.00}. When I call Veterans United Home Loans to see what happened or if anything can be done the only thing I was told is that they submitted a form for our taxes to be assessed again and if those number come back right then we are just screwed and have to deal with it and pay that mortgage for the whole year. That makes it very tight for our family for the next year because this company did not do their job and XXXX us and doubled our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me I have not opened used or know what this is I need this off my credit report ASAP!!! This is not my account XXXX XXXX XXXX - Account # XXXX Amt {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to purchase my lunch with the funds on my American Express Serve card. My transaction was declined. I accessed the AME Serve App that I installed on my phone and saw I had a negative balance. I can not swipe and overdraw this card if I wanted to. My negative balance was the result of AME Serve fraudulently duplicating two transactions from previous days ; one for {$33.00} and another for {$6.00}. I called AME and held for 30 minutes and was told it was a system glitch and the funds would be returned w/i 3 hours. This was at XXXX. Well by XXXX I still did not have my money. This left me in a bind as the money they took was my gas and lunch money. I was displaced due to Hurricane Harvey and am now 45 miles one way from work. With AME serve taking my funds, I had no gas to get home and no money for food and I have no friends or family out here. I attempted to call AME back but was told they were not accepting calls due to technical issues. I called back on XXXX and held for 1.5 hours to speak to someone and was told it would take a day to get my funds back. Only part of my money was refunded back. I did not get the rest of my money until today XX/XX/18. As a result of their system glitch it cost me {$65.00} to get home instead of {$20.00} in gas. I also had to embarrass myself and borrow money from a co-worker for lunch and they charged me {$5.00} in interest. I need AME to reimburse me {$50.00} for the cost I had to incur as a result of them taking my funds from my account.
Product: Credit card or prepaid card

In late XXXX I opened a XXXX XXXX XXXX XXXX. Which at the time on their website claimed i would receive a {$200.00} sign up bonus if i spent {$500.00} within 3 months I complied with the terms, spent my {$500.00} and paid it off. I never received my bonus after spending the {$500.00}. Over the next 2 months following I ended up spending over {$800.00}. After some googling some people claimed it took 3 complete billing cycles to have the bonus credited. I waited 4 months, and never got said bonus. I contacted capital one today ( XX/XX/2023 ) through a phone call and they informed me that the bonus is " not real '' and that on their end does not exist. I ended up, requesting to speak to a supervisor which was the highest escalation point, according to her, and the supervisor claimed she did not see the sign up bonus on her end, and it took me having to give her the entire URL to see it in which she informed me that there's nothing she can do about it after informing her that that's illegal to offer it and not grant it. Upon further inspection of their website, it seems like they raised the minimum from {$500.00} to XXXX which does not matter as I paid {$1300.00} over the course of the three months using the card. My phone call lasted 28 minutes and I was told that I was speaking to the highest point of contact that I possibly can. During the course of the call, the woman I was speaking to was rude, unprofessional, condescending and offered no resolution to the issue. Not even giving me a point of contact to reach out through to email. My phone call was at XXXX and lasted 28 minutes total. 

The link to their website is https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ I have screen recordings and screenshots to verify that the URL is legitimate and that at the time of me submitting this complaint, the offer is still on their website, but they are not giving it to anybody which is false advertising.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT . THE LIST OF ADDRESSES AND INSURANCE INFORMATION BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.
I LOOKED AT MY REPORT FROM LEXIS NEXIS ON XXXX XXXX AND NOTICED MANY THINGS ON THE REPORT VIOLATED MY RIGHTS. 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 ACCORDING TO 15 USC 1681(e)(b). 
And ACCORDING TO 15 USC 1681i 5 THEY ARE SUPPOSE TO DO THIS (5) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.
(A) IN GENERAL, AFTER ANY REINVESTIGATION UNDER PARAGRAPH (1) OF ANY INFORMATION DISPUTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one is going to school with my information they stole many from my account and stile driver license and social security income
Product: Mortgage

I asked for help in XX/XX/year>, it took them months to offer any kind of help and they only offered XXXX option. So after 6 months of paying the reduced mtg payment they offered me to modify my mtg with a new lower payment. Of course I agreeded as I want to stay in my home but could no longer afford the monthly payment. ( Meanwhile they kept reporting to credit bureau i was late which destroyed my credit and caused issue with other banks i had credit cards with so I was and am no longer able to refi my mortgage ( I have over XXXX in equity ). I signed and returned the mod 3 times now as they keep rejecting it for petty reasons The 3rd one I received with less then a week to return it back to them. I went and had it notarized and mailed it the same week I received it. Called and told them it was mailed but would not be received on time as they didn't allow me enough time. They have no terminated me from mod program and have sent notice to default papers. I have also continued to mail them a check monthly of the amount of the new payment. The 1st and 2nd XXXX would have been recorded at the recorder of deeds with no issues. They are acting petty to have me redo the mod 2 times and to now reject me out of this program and to stop this XXXX from being recorded over them receiving the docs a few days late because of the mail system, which I have no control over. Please help
Product: Vehicle loan or lease

Chrysler Capital called me at work due to a payment that I have not yet paid. I am less than 30 days late on the lease payment. However, they still did call me on a number that was listed as a work number. The representative that called admitted it was showing as a work number. This is unacceptable to be bothered at my place of work. I work for a XXXX XXXX that does not tolerate such behavior.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to preventing address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements. Its under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that pursuant to 15 usc 1681 ( a ) ( 4 ) the credit reporting agencies did not exercise there grave responsibility with fairness. They was completely unfair, and impartial. They even in fringed upon my right to privacy. Proof of this is they furnished multiple transactions which they can't even prove took place, and never even consulted with me through email, phone or mail to get proof these inaccurate transactions took place. Then what make matters worse they solicited and advertised these transaction for anyone to see. This is irresponsible, unfair impartial and infringement upon my right to privacy. They broke the law...
Product: Credit reporting

Please help two people are trying to open accounts and say they are me, they even opened an account with Credit Karma, under my email address, but has there own pass code, so I could not open an account at Karma. Could someone please call me asap, this is fraud, I can get any of my reports because they put phony info on apps they filled out, not since i cant answer some of there questions, I cant get my reports to see what these people are doing, I know one is my brother They robbed my home twice in 5 years. I am getting a lot of mail in there names sent to I have lived here 20 years, please can you report this and help me find out what they have done or trying to do
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX/RESURGENCE CAP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report includes the names of three people ( myself, my brother and my father ). As a result various credit cards, car loans and other items are listed under my report. Each individual has of course a separate unique SSN making this error hard to understand.

I tried to file a complaint with Equifax directly, yet the company seems unable to resolve the issue and my account is put on hold. The obvious problem is that without access to my credit report, it is impossible to verify the items on it and file a request to correct such items. These items are equally required to verify my identity, yet are not related to myself in any way. It essentially becomes a circular reference which the company is unable to resolve.

At the core, I am only trying to finalize my name change after my recent marriage. Unfreezing and updating my credit report is required for my SSN name update. The whole situation is just incredibly stressful and entirely cause by ( likely human ) error on Equifaxs end. 

Considering the ongoing problems with Equifax and the apparent inability of the company to manage its IT infrastructure, any help from your end to resolve the issue. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated multiple times with XXXX multiple times beginning in XX/XX/2020 about their inaccurate reporting. Relative to me having modified my mortgage loan with them. XXXX maintains that it is not XXXX that is responsible for this inaccurate reporting and is XXXX mortgage. From whom they bought this mortgages servicing rights. XXXX and only XXXX is reporting that I modifies my mortgage. XXXX mortgage is not reporting a modification at all. Please see my attached credit report as evidence both XXXXr and XXXX mortgage are on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

Decided not to use mortgage and requested the appraisal I paid for to be sent to another lender. They have refused to do so. I sent them specific instructions as required and mortgage has ignored my request on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not initiated by me XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Funds in the amount of {$440.00} transferred to my external account ending in XXXX on XXXX, the transaction does not currently show in process or in completed transactions, screen shot taken from today, XXXX is attached to this complaint. I've checked with XXXX, external account, the funds are not showing as deposited as of yet, appears to be a delay as is evident in fact as transaction does not show in pending or completed. I've spoken with XXXX, they do not see funds in pending status on their side, advised me to contact the sender, which is Bluebird, appears to be an error on their end
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violations FCRA 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: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX  XXXX {$11000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX XXXX {$7500.00} XXXX   XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX  {$3300.00} XXXX  XXXX {$1300.00} XXXX  XXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXX   XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00}
Product: Credit card or prepaid card

Re Vanilla Visa Gift Card, XXXX XXXX XXXX XXXX spoke by phone with Visa GC rep regarding {$50.00} gift card received in XX/XX/XXXX -- XXXX balance on card. XXXX stated card " had been used XX/XX/XXXX out of XXXX XXXX for an XXXX purchase ''. I received the card in tact in XXXX, and therefore made no transaction. I was told by rep investigation could take " up to 90 days ''. I submitted a detailed letter to Vanilla Visa Gift Card customer service address in XXXX XXXX  on XX/XX/XXXX, with no response. A follow-up letter was sent XX/XX/XXXX, am awaiting hopefully for a response ; however, dim. I am asking for your assistance at this time to have Vanilla Visa Gift Card company to honor their agreements, and provide me with a VALID {$50.00} gift card. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX  on XXXX  WITH XXXX in XXXX for XXXX year and my automatic withdrawals were still processing- the bank knew i was in XXXX knew i was in XXXX and knew that i had no way to respond, or any way to stop the situation and yet charged me horrendous fees, and then closed my account as a charge off due to the fees. I WAS SEVERELY AFFECTED BY PANDEMIC AND INSTEAD OF BANK PROTECTING MY ACCOUNT AND MY CREDIT THEY WERE ONLY CONCERNED OF THEIR OWN MONEY MAKING SCHEMES AND RUINED MY CREDIT. NO ONE CAN PUNISH ME NOR MY CREDIT FOR BEING XXXX  IN A XXXX  AND AFFECTED BY A GLOBAL PANDEMIC. IN ADDITON - HOW COULD I HAVE POSSIBLY FIXED THIS ISSUE IF I WAS BASICALLY XXXX  IN XXXX AND CONTAGIOUS WITH XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX.. SOMEONE EXPLAIN? THE MERE FACT THAT I SPOKE TO THE MANAGER AT THIS BANK AND INSTEAD OF HIM RESOLVING IT AND EXCUSING ALL THE CHARGES HE ARGUED THEY WERE LEGITIMATE AND MY PERSONAL SITUATION HAD NO BEARING ON THEIR BUSINESS. THE CARE ACT FOR PANDEMIC STATES THIS CAN NOT BE DONE, I WANT IT IMMEDIATELY REMOVED FROM XXXX XXXX, IN ADDITION THE FEES ARE WRONG I WANT THEM DISPUTED AND REMOVED AND I DEMAND MY DEBT CLEARED AS THEY TOOK THOUSANDS AND THOUSANDS OF DOLLARS WHILE I WAS XXXX XXXX XXXX XXXX. THIS BANK IS ALSO XXXX TO ANY ONE WHO IS NOT OF XXXX  ORIGIN AND TREATED ME LIKE TRASH EVERY TIME I WENT IN THERE. I DEMAND THIS RESOLVED - FEES CANCELED AND REMOVED OR I WILLL SUE AND GO PUBLIC.
Product: Credit reporting or other personal consumer reports

Hi I recently check my credit report and notice multiple inaccuracies. These inaccuracies includes late payments and inquires. The late payments are inaccurate and need to be updated to reflect my on time payment status. Below I will attach dates that I've paid. I am requesting you investigate the following accounts thoroughly and that they are to be brought to the most accurate dates ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All these cards have late payments that need to be removed and updated to on time status. The following inquires are fraudulent and I did not authorizeXXXX XXXX XXXX XXXXXXXX needs to deleted also being that I never authorized a card with them. XXXX XXXX as well please do your investigation to bring my credit profile up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANS UNION HAS SOME ITEMS ON MY CREDIT REPORTS THEY REFUSE TO REMOVE/DELETE.