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

This account was paid and closed in XXXX. The credit report updated on XX/XX/2021 to show that the balance of {$170.00} was closed and paid. Today on XX/XX/XXXX I received an alert and a credit score drop due to the account showing that I have a {$170.00} increase on my credit report for XXXX XXXX There should be no increase as this account was paid off and closed XXXX months ago. I have attached proof of documentation..
Product: Credit card

XXXX. ) Purchased sofa from XXXX using the XXXXChase Credit Card XXXX Date of Purchase : XX/XX/XXXX XXXX. ) On XX/XX/XXXX the sofa arrived damaged. The delivery driver took pictures and sent them to his company. We never took possession of the sofa we informed XXXX about the damage and provided proof of damage. We stored the damaged item until XX/XX/XXXX. 
XXXX. ) Date : XX/XX/XXXX XXXX issued a Return Authorization Number XXXX  XXXX XXXX. ) Date : XX/XX/XXXX XXXX  contracted company ( XXXX ) picked up the damaged sofa. 
XXXX. ) See proof of the pickup. 
XXXX. ) See proof of delivery on XX/XX/XXXX to XXXX warehouse. 
XXXX. ) Despite several attempts to request the refund from XXXX, XXXX has not issued the refund. 
XXXX. ) Date : XX/XX/XXXX we opened a dispute with XXXX and they refunded the {$880.00}. But the credit card statement reflected a charge. 
XXXX. ) I paid the all charges on the Chase card in full on XX/XX/XXXX. 
XXXX. ) On XX/XX/XXXX, I called Chase to ask for the refund and they connected me with XXXX. XXXX said they issued the refund and sent me an email stating that the refund was issued but to date the refund still has not been issued. 
XXXX. ) Date : XX/XX/XXXX Chase subsequently reversed the charges.

12. ) To date we are currently paying {$40.00} monthly to Chase for a wrongful charge of {$880.00} at a rate of XXXX percent interest. Despite all the evidence we have provided that the sofa was damaged, we never took possession of it and we returned it to XXXX, Chase Bank has continued to financially abuse us and ignore our requests for a refund.
Product: Money transfer, virtual currency, or money service

I submitted 2 transactions : XXXX withdrawal at XXXX XXXX and paid fee to have it processed within two hours. The withdrawal has not completed as of XXXX XXXX. 

I tried another XXXX withdrawal at XXXX XXXX. I paid an extra fee for it to complete within ten minutes. 

Contacted Cash App support and I was told I have to wait for a response from a XXXX representative by email. I called Cash App XXXX  just to confirm if there was a known issue. The rep was unable to confirm. 

This has happened several times in the past and I was told they wont at least refund my fee. If you offer a timeframe, it should be completed or provide your customer an explanation immediately and reimburse fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXXt account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXXS, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a Bum. my XXXX say I have good credit. What the heck 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 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 ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 accounts 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 Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the actions taken by XXXX regarding my accounts, which have resulted in significant financial and personal distress. I was a loyal and responsible customer of XXXX for ~20 years, and I have always managed my accounts diligently. 
Upon discovering unauthorized transactions on my XXXX credit cards. I immediately reported these fraudulent charges to XXXX, and after an investigation, final credits were issued in my favor due to the fraud. However, to my surprise, over a year later, XXXX reversed these credits without warning, charging me back for the fraudulent charges. 
Following this, XXXX took drastic actions against me, including restricting my online access, closing all my accounts ( except my auto loan, which was initially not accepted for payments ), and refusing to send me billing statements. Furthermore, XXXX reported all my accounts negatively to the credit bureaus, despite the fact that these issues were caused by identity theft and not by my actions or negligence. This is supported by the FTC affidavit, police reports filed, as well as the culprit being prosecuted for the fraud. 

Despite claiming the information being reported is accurate, XXXX has now sent me checks for the disputed amounts for my credit cards and auto loan. However, I am deeply concerned that XXXX has refused to correct the negative reporting to the credit bureaus. This inaccurate reporting is damaging my creditworthiness and reputation, despite my innocence in these matters.
Product: Debt collection

i received a judgement letter summons with my maiden name of XXXX threatening to garnish my wages for a debt I have no idea about. I have not lived under my XXXX name in over 22 years. 
they provided docket numbers to which do not exist within the courts in my county. 


the name of the company is Palisades Collection , LLC research has shown me that there are many lawsuits against them for this exact scenario. i can be reached by email for any advice you can give on this matter
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX an associate of XXXX XXXX XXXX has commenced a series of fraudulent documents to seize my home at XXXX XXXX XXXX XXXX CA XXXX. The last known transaction was created by XXXX. 

The IRS has provided me records confirming that the servicer Wells Fargo Bank N.A . took ledger credits on XXXX which is the day the US Bankruptcy Court discharged the home equity line of credit as unsecured debt - listed on schedule XXXX XXXX also rescinded the World Savings Transaction in XXXX in fear of unrelated party commencing actions such as XXXX XXXX and associates. I also confirmed with Securities Exchange Commission that the XXXX related to XXXX was satisfied with varied sources such as insurance policies. Most recently, Wells Fargo decided to create a new loan number to establish its right along with other debt collector XXXX XXXX to steal my home. 

I would like CFPB to witness the activities of XXXX XXXX first hand as he uses fraudulent documents to take in monies not deserved. So far XXXX XXXX along with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and has stolen XXXX other properties of mine using fraudulent documents - XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX CA XXXX. I have attached recent findings of proof of fraudulent documents used by Wells Fargo Bank N.A . and XXXX XXXX XXXX and XXXX used in obtain a writ of eviction and justify getting a Judge - XXXX in XXXX to deny me due process of amending a complaint on XXXX/XXXX/XXXX. These debt collectors are supported by a XXXX XXXX XXXX who sits on the bench while assisting the debt collectors. If you look at my docket XXXX in XXXX XXXX CA XXXX you will see orders issued to the debt collectors which assist the debt collectors seize my homes - The orders are issued nearly 2 years after I obtained my discharge of XXXX and XXXX calls order -- '' a Lift of Stay '' - no such action approved by Congress XXXX XXXX has kept my case open since XXXX in order to obtain some type of clearance from the state related to the XXXX XXXX. 
' Note the date of XXXX 's Debt Validation Letter and his Notice of Default - The Notice o Default is filed premature of allowing me time to dispute his debt - a debt and new account number created by Wells Fargo in attempt to relate to the World Savings Loan which was satisfied according to IRS records and the XXXX records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
Product: Credit card

I tried to make a purchase, my card was declined when I called I was told that my card was charged for the purchase and charged several times for the purchase and they refused to refund the money, they also refused to check all previous transactions to check if they have charged me several times on other transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT XXXX IS FRAUDULENTLY APPEARING ON XXXX , EXPERIAN AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED EXPERIANS CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
Product: Credit reporting

There is a public record listed under Equifax stating a XXXX judgment which does not belong to me it belongs to my son. Requesting removal ASAP
Product: Credit card

Automated payment that I setup with Synchrony Bank/XXXX was flagged as fraud by my bank. The payment was thus denied to Synchrony and ended up late. I have since setup a new recurring payment but Synchrony needs to reverse the XXXX dollar late fee they charged my account since they were flagged as fraud by XXXX XXXX XXXX.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to KIA FINANCE AMERICA for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Navy federal credit union overpaid themselves on a mortgage closing so that they could collect money from me on another unrelated debt i have with them. They opted to transfer the money into a closed checking account instead of mailing me a check then debited the money immediately to pay themselfs. After calling them to ask why they got extremely rude and hung up on me. I belive they purposely did this overpayment by manipulating the closing documents and this should be looked in to much closer.
Product: Credit reporting or other personal consumer reports

I am writing you about the the misuse of my social security number. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft.1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I was trying to get a personal loan, company claiming to be Lendingtree approved me for {$3000.00}. On XXXX  morning there was a deposit into my checking account with XXXX XXXX  of {$800.00} dollars. Company said I had to repay to show signs of trust. They directed me to go to XXXX and buy XXXX gift cards and put the money on it and call back with gift card numbers amount on each XXXX and I did because it was not my money. As soon as I got home they called telling me I had to do it again XXXX more time. I said no, hung up and blocked their number XXXX. I am going to my bank on XXXX  to close out my account because I don't know what their intentions really are. My gut told me it was wrong, I have not lost anything yet and hopefully I can be proactive in Changing my bank account. This was wrong
Product: Credit reporting or other personal consumer reports

They didnt remove my hard inquiry from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Collection was opened on XX/XX/2022 {$120.00} owed Collection company name is Caine and weiner out of XXXX XXXX California
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding potential fraud by two credit reporting agencies, XXXX and Experian. 

In applying for a new mortgage it came to my attention that credit reporting agencies are providing one FICO score to me as the consumer and a different, lower score, to the Mortgage Lender. 

XXXX provided a FICO score of XXXX to my XXXX XXXX XXXX XXXX XXXX account on XX/XX/2020, and a FICO score of XXXX to XXXX XXXX mortgage on the same day. 

Experian provided a FICO score of XXXX to my XXXX XXXX account on XX/XX/2020, yet it provided a FICO score of XXXX to a different part of XXXX XXXX ( processing my mortgage application ) on XX/XX/2020. 

It appears that these two credit reporting agency has one FICO score that is available to the consumer and a lower FICO score to creditors.
Product: Bank account or service

Hello, I am a customer with Bank of America since XX/XX/XXXX. 

All the following checks are from my credit union account to my Bank of America account. 

precursor : XX/XX/XXXX, I used the mobile app to deposit a check of {$500.00} or so successfully. Later on that month, I attempted to use the same mobile app to deposit a XXXX check in the amount of {$10000.00} to the same account. The mobile app advised me that that there was a limit of {$10000.00} deposited into an account per month. I deposited a XXXX check of {$1000.00} into the account, to pay bills. 

SInce, I had a second account also at Bank of America, I tried to deposit the {$10000.00} check into that account. Due to poor foresight on my part, I only had {$9500.00} remaining in my Credit Union account ( after the {$1000.00} check cleared ). Thus the {$10000.00} check bounced due to in sufficient funds. Ok, my fault, both financial institutions charged me their fees. 

Now in XX/XX/XXXX : I made sure I had sufficient funds in my Credit Union account and wrote myself a check for {$9000.00} and deposited it into Bank of America on XX/XX/XXXX using the mobile app on Android. 

On XX/XX/XXXX, I find that there is a Hold placed on my deposit at BofA and the hold will clear only on XXXX. Huh, are we back in the dark ages? 

On XX/XX/XXXX morning, I go to my credit Union and I find that BofA has not yet presented the check to them to be cashed. On XXXX XXXX evening, I find that the funds have been withdrawn from my credit union account. I verify on XX/XX/XXXX night as well as XXXX morning that the Bank of America has not yet credited my account for the {$9000.00}. I have an online chat with BofA representative and am told that the hold will clear on XX/XX/XXXX. This is harassment by Bank of America, they have the funds and are taking an interest free hold till XX/XX/XXXX, and I do not have access to my own monies. 

Please help.
Product: Credit reporting

I disputed adverse accounts on my consumer file in XXXX, XXXX XXXX Bank, XXXX mortgage XXXX XXXX accounts I was requesting to validate that these debt belong to me but Transunion failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Product: Checking or savings account

The customer service rep at the XXXX XXXX XXXX WA ) branch told me to file a local police report, which I did ( XXXX WA police department Report # XXXX ). 

The XXXX XXXX XXXX representative also called " XXXX '' at XXXX XXXX XXXX, using my cell phone ; XXXX told me to provide him the police report. XXXX said that he expected the police to contact him and would not answer any further questions ( " the police have to contact me, not you. '' ) Chase Bank 's Consumer Claims Fraud Hotline ( XXXX ) said they would consider the last 30 days and investigate. But the letter they sent said they were closing the claim. The claims department insisted they were not responsible for digital wallets. However, I do not use digital wallets because I do not even know what it is. 

The first theft occurred XX/XX/XXXX. I first reported the problem to Chase XX/XX/XXXX. I received a new debit card. However, unauthorized charges began again quickly on XX/XX/XXXX. I again reported the thefts, and a second new debit was issued. And again, the unauthorized charges began recurring. 

In all, there were XXXX unauthorized charges made to my business account ( I am a taxi operator and have never purchased anything from XXXX XXXX XXXX, nor do I accept digital wallets as payment for taxi fares ). {$9100.00} was stolen from me. Chase Bank has refused to honor federal law regarding illegal electronic fund transfers. 

Further, I am an XXXX XXXX  ( in the XXXX since XXXX, XXXX XXXX  in XXXX ) and speak with a thick accent. In addtion to everything else, I believe I am being discriminated against and exploited by both Chase Bank and by XXXX XXXX XXXX. 

I need your help in recovering these funds!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously dispute these fraudulent account on my credit report with out my knowledege and the credit bureaus only removed 1 account and update the rest. None of these accounts on my credit report transaction are done by myself. I am asking that these accounts to be remove immediately. I do not understand how XXXX, XXXX  and experian reporting fraudulent accounts. I have never done business with such companies.