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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to XXXX is XXXX and XXXX is reporting on my cbr that I still owe them. XXXX was paid XXXX XXXX, XXXX ... Please see attached acknowledment for XXXX that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

XXXX wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to XXXX when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to XXXX in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because XXXX has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. 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 inquiries and negative account 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 21 times. transunion 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 PLEASE HELP ME PLEASE im depressed  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to XXXX XXXX XXXX XXXX that this credit card company letting them know that is Inaccurate information not belonging to me and it needs to be deleted immediately Dates XX/XX/2019 Dates XX/XX/2019 The unverified items listed below remain on my credit report in violation of Federal Law. And they required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have not been provided this information
Product: Credit card or prepaid card

Signed up for a Capital One Quicksilver card in XX/XX/2021, maikers, ads and offer landing page ( even now ) shows offer of {$200.00} bonus after {$500.00} spend, XXXX XXXX XXXX for 15 months. I signed up, was given no indication the offer had not applied, while looking through the account, I found a shortened XXXX XXXX  XXXX term that initially made it seem like it had. I contacted XXXX to rectify, sent images, links of the offer. Despite promising a supervisor follow up, I had to call to follow up each time, only to receive numerous explainations for the altered terms, none of which were presented prior to account creation : expired links, refferal codes, credit rating only being 'good ', etc. I paid off the card and residual interest it gathered in the XXXX month. 

Capital One should not be permmited to advertise terms they have no intention of honoring, and at a minimum, should present the altered terms prior to account creation, rather than leaving the consumer with the credit damaging choice of closing the account with the altered terms.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXDate Opened XXXX Balance {$180.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$7800.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$1600.00} Unauthorized inquiries 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

Equifax, XXXX & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XX/XX/XXXX and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer. This seems to be a bait and switch situation in my opinion.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

XXXX dollars for XXXX XXXX XXXX XXXX. I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer contacted transunion a supervisor to be exact. I demanded deletions of all accounts and inquiries to be removed and unfurnished from my consumer report. He went on to say he can on dispute such matter I stated under the fcra federal law 15 usc 1681 ( 4 ) THIER IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THERE GRAVE RESPONSIBILITY WITH FAIRNESS inpartiality and respect for the consumers right to privacy. And transunion reporting my personal information is invading my privacy. Then went on to say 15 usc 1681 b ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHICH IT RELATES. I TOLD YOUR SUPERVISOR I HAVE NOT GIVEN ANY WRITTEN INSTRUCTION TO YOU GUYS TO REPORT ANYTHING ON MY BEHALF. he said we do have the right because another party reported it. So with another party given you my information you just accept alleged debts on my behalf with out my written concent. He said yes its a automated system. We have no power to delete. But you guys have the power to furnish anything with out my concent? He could not give me one law that says they have the power to furnish with out me saying so I had given him plenty of written instruction as a consumer to have these accounts deleted he said I have to talk with the collectors about such matter. If a third party tells you anything about a alleged debts its your guys job to report to me on such concern to validate any alleged debt but instead you guys just accept and furnish anything you guys want and go against federal law. Once again its my consumer report you have to report to me on my behalf before furnishing alleged debts. You guys need to be responsible for all these individual actions I have the recorded call its about 36 minutes long I have copied a snippet of the conversation for a exhibit as proof you guys have violated my consumer rights. ( NO CONCENT IS IDENTITY THEFT ) I can provide the full record call if need to be.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX of XXXX  and signed a purchase agreement with me as the buyer and XXXX the seller of the vehicle which is a XXXX XXXX once we were done with the agreement I was given the vehicle with out the title keep in mind that a purchase agreement is a security by legal definition which means that it can be sold, transferred and cashed when properly endorsed for payment in full for face value, but for some reason they have been collecting a debt from me because at point I didn't know that I was the originator of the funds at that time, also keep in mind that they state that I have an account open with them and I never agreed to an account being opened which is a form identity theft. I called pertaining to the account and asked them who the original creditor on file to which they informed me that I was in fact the original creditor. Further more I asked that they send me the title of the vehicle to which they have yet to do which they do not have a XXXX public financing statement to. I also sent a cease and desist communication alongside of submitting an identity theft report with the FTC. I myself have filed a XXXX financing statement proving that I am indeed the sole owner of the vehicle with approval of the secretary of state of Georgia. I would really appreciate the start of a thorough investigation.
Product: Credit reporting or other personal consumer reports

Transunion is constantly ignoring my letters to remove items that are not mine.. its a bit overwhelming at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, CHASE made an inquiry into my XXXX credit file due to someone submitting fraudulent information. CHASE reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to XXXX from me, it has not been deleted as promised.
Product: Checking or savings account

I closed my account with Wells Fargo in 2019. I now have XXXX XXXX. The irs contacted me asking for proof I paid my taxes in 2019. So I went into Wells Fargo to get my old bank statements. They said they couldnt access them and to call. So I called the bank they said that they cant access or give that to me and to go into a branch. When I said I already did that they said they cant help me and hung up.
Product: Checking or savings account

As I mentioned the day that stolen from my account. I called the company and told them I have never traveled to Michigan or used my debit card there. 

To further prove this, at XXXXXXXX XXXX  on XX/XX/2023, I used my debit card to make a purchase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, and on the same day, I used my card at XXXX XXXX XXXX , XXXX, NY XXXX XXXX 

It is clear that the purchase that occurred in Michigan was not made by me, and someone has been pretending to be me to commit fraud and a criminal act. 

I believe it is Chase Bank 's responsibility to keep their customers safe, and for an amount like this, I should have been called to double-check. This whole process has been very painful and has caused me an immense amount of stress due to the lack of support I have received from Chase Bank customer service.
Product: Mortgage

I have agency government fees of {$15.00} charged to my escrow account again. I send my tax bills directly to PHH mortgage immediately upon receipt and have been for 10 years. I called PHH today XX/XX/year> and they were going to look into this matter. I made several attempts to contact the tax collector about the fees via email with no response to date. This is fraudulent activity on my escrow account as I never authorized additional fees for unnecessary actions. Tax collector is XXXX XXXX ... XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have a tax lien being reported on my Transunion and XXXX credit reports. The lien is inaccurate and should have never been filed. The lien has been ordered removed from my record. The first time I disputed the lien with Transunion they sent back a response stating it would be removed but after several months it was not removed. I disputed it a second time but now they are stating that is is accurate and are refusing to remove it from my credit report. I would like assistance in compelling the credit bureaus to remove this inaccurate item from my reports.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my XXXX attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Tel XXXX Acct : XXXX On XX/XX/XXXX, I rented a car with XXXX for XXXX total of 5 days, until XX/XX/XXXX. 
I proceeded to pick up the car on the previous mentioned date and returned the car on the contract date XX/XX/XXXX. 

Unfortunately, when I proceeded to return the car at the airport XXXX XXXX of XXXX York XX/XX/XXXX, there was not XXXX representative available to take the car keys, for this reason I proceeded to leave the keys inside the car as instructed by the Gate keeper/Airport parking representative. 
I then boarded my plane back home XXXX Florida, on XX/XX/XXXX, ( please find attached the ticket for evidence ) and forgot about the rental car. 

On XX/XX/XXXX, when I check my card, I saw new charges on my Capital One credit card from XXXX, I thought it was taxes and fees which is normal for my previous experiences, however, the next day more charges appeared on my card. I proceeded to call XXXX to questions the charges and the representative told me they were having system issues and couldnt tell me why I was still been charged. 

Finally, after all pending transactions posted from XXXX 10 days after, I call them again, only to find out that they never received the parked car at their parking lot at the airport, and they were charging me for it, just like I did never return the car, which is totally XXXX XXXX since I did return the car. 

I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. 

Also after reporting this issue to Capital one bank and and them conducting an investigation, they refer me back to the merchant, violating all the XXXX purchase protection agreement that we are bounded with. 

Next step will be to seek legal advice if this matter is not resolved I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. promptly.
Product: Money transfer, virtual currency, or money service

Attached please find a letter from XXXX showing the successful transaction of ethereum funds sent over the ethereum network from my XXXX  account to an ethereum wallet address also of my own on PayPal. The transaction was sent and has been confirmed on etherscan yet PayPal claims to have nonrecord of the transaction this can be due to the crypto being sent as cbeth. Regardless of the cbeth the ethereum was sent on the ethereum blockchain by me from XXXX to a PayPal ethereum address that is also mine. PayPal claims to have no record of the transaction and the crypto has not posted or credited to the recipient account. 
Please use the Information provided by XXXX to locate this transaction receipt so that these funds cab either be credited by PayPal to my account or returned to the origin sender account with XXXX. 

Hi XXXX, After reviewing your account, I can see the funds have been successfully sent out of your XXXX account. You can verify this on the block explorer, which is a record of all crypto transactions : XXXX XXXX XXXX? XXXX XXXX If youre having trouble locating the funds, here are some details to check on the block explorer : - Ensure you sent funds to the correct address- Ensure you sent funds on the correct network- Ensure you, or the person you sent to, are able to access the wallet where the funds were sent If you sent funds to the wrong address, you'll need to contact the recipient and ask them to return the funds. If you don't know who owns the address, unfortunately there's no way to try to recover the funds due to the irreversible nature of cryptocurrency transactions. 

If you're having trouble locating funds sent to a site outside of XXXX, I recommend reaching out to the support team of that site so they can help you to gain access to the account and locate the funds. 

For future reference, the " How to send and receive cryptocurrency '' Help Center article has information on sending and receiving crypto : XXXX XXXX XXXXcryptocurrency Thank you, XXXX XXXX thread : XXXX : :
Product: Credit card

On Sunday XX/XX/XXXX, while purchasing a mattress at XXXX XXXX I decided to check what credit cards may offer cash back on a XXXXXXXX XXXX purchase. After checking each Banking App that I have, my Capital One Savor Card stated that I could receive 6 % shopping credit ( Earn credits for shopping ). I have screenshots as evidence. After speaking with the cashier and my wife, we all believed that If I used the Savor One card for the purchase, I will receive a 6 % credit ( {$120.00} ). We subsequently purchased the mattress at {$2100.00} On Tuesday XXXX, XXXX, I reviewed my account and did not see any evidence of a credit on the purchase. I called Capital One to explain the situation and I believed it to be misleading advertising. The representative told me that you have had to of clicked on the actual XXXX XXXX link 6 % and purchase the mattress via the store website through the app and that they couldn't give me the {$120.00} credit as any credit given is through the merchant, not Capital One. I asked to speak with the supervisor and we went back and forth while I had my Capital One account open in front of me on the desk top this time. Nowhere on the screen does it state that in order to obtain the shopping credits you need to actually click on the link and make the purchase via the online Portal. I explained to the supervisor that Capital One is unlike other banking institutions with cash back offers such as XXXX that make it clear and easy to understand the cash back/credit rules. The Supervisor agreed that in my case they could understand why I would think this but there is nothing they could do as it is the merchant that offers the credit, not Capital One. After airing my frustrations and asking them to at least credit me, they told me my best option was to return to the store, cancel the order and buy through the app to receive the credit. As a loyal customer I was left disappointed and told them that I will end my business with them the next day. After discussing with my wife, we both agreed that Capital One misleads it's customers by false advertising claims.