23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/22 Balance Transfer payment sent to Capital One XXXX XXXX in the amount of XXXX from XXXX Bank ( proof of payment attached ). 
XXXX XXXX XXXX bought XXXX XXXX XXXX. I inadvertently sent payment to Capital One rather than XXXX XXXX. 

Contacted XXXX XXXX several times and they would not even discuss with me instead saying Capital One had the money and I would need to resolve with them. I asked to escalate at least 12 times and would not get anyone at XXXX XXXX to assist. 
Contacted Capital One at least 12 times with zero help and them giving me XXXX XXXX customer service number. NO SERVICE, NO ASSISTANCE FROM EITHER COMPANY AND XXXX HAD BEEN CASHED XX/XX/22 Called Capital One and asked for fraud department. After 2 hours of being told by XXXX from Capital One that there was nothing she could do she suggested I send proof of payment to Capital One Payment XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. 
I sent by certified mail a copy of proof of payment, XX/XX/22 it was received by Capital One XX/XX/22. I have had no acknowledgment of investigation. Contacted Capital One and the sent me over to XXXX XXXX again. There is no number to reach Capital One XXXX XXXX department. 
Someone has XXXX of mine and not one company will provide any assistance My accounts Capital One GM MasterCard ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX Also as a side note I have sent a XXXX balance transfer in the amount of XXXX to Capital One ( which was XXXX XXXX XXXX in error. The XXXX XXXX  customer service representative XXXX resolved within a week. During that time I received statement for Mastercard ending in XXXX and sent what showed as the balance of XXXX. 

I can't afford to lose XXXX for nothing and no one will help me. 

Thank you, XXXX XXXX XXXX XXXX XXXX Was just on with Capital One while filing this for 46 minutes without anyone picking up.
Product: Credit card or prepaid card

I applied for a Synchrony/Care Credit account beginning of XX/XX/2021. I received the card and I tried to use it and couldn't. They told me that I had to send a copy of my Driver License and Utility Bill to confirm my identity and address which I did on XX/XX/2021. Later on XX/XX/2021 my account was closed with no explanation. I called on XX/XX/2021 and they told me that it was due to high risk and there was nothing that could be done. There was no proof nor any explanation and I believe they are discriminating against me.
Product: Checking or savings account

In XXXX our account with Wells Fargo was hacked and the address changed. Pursuant to bank notification of change we corrected address change and subsequently changed our usernames, passwords and went to 2 Step verification. Then in XXXX ( XXXX or XXXX ) received another notification of husband 's email change. While on the phone correcting email husband was notified of wire transfer pending which he informed bank " Don't do it, it's Fraud! '' Bank sent anyway. We then had to travel from XXXX, XXXX to XXXX, NY to prove who we are and get access to our account. Bank issued a Recall. Per bank " Beneficiary bank responded that there are no funds available to return. '' Then per Wells Fargo " As a result, we are unable to reimburse you and have closed your claim ''.
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 one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. TransUnion is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give TransUnion written permission to furnish this account on my credit report. TransUnion is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. TransUnion has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( police report and identity theft affidavit ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at your earliest convenience.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing to formally raise my complaint regarding the inaccurate credit information present on my credit file. These inaccuracies not only cause embarrassment but also hinder my ability to access the credit I rightfully deserve. It is well-established by law that credit bureaus must report only precise credit information. It is evident that the inclusion of this erroneous information is either a mistake on your part or on the part of the reporting creditor. It is disconcerting to find that the following information has been included in my credit report : XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please delete these fraudulent accounts in my credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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. 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 from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. 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 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX aka XXXX XXXX was paid in full. My balance is XXXX on this account and all three credit bureaus are reporting old information.
Product: Debt collection

Bryant Hodges Associates keeps call my phone trying to get money over the phone nothing ever mailed to me or nothing telling me I owe them money and just playing phone games. I have also filed with the US Attorney office on Bryant Hodges Associates
Product: Debt collection

ON CREDIT REPORT FOR THE AMOUNT OF XXXX PLACED IN COLLECTION
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted Synchrony Bank, related to an account titled " SYNCB/Lowes, '' to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have yet to receive any response from Synchrony Bank, related to an account titled " SYNCB/Lowes, '' and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Additionally, I did notify Synchrony Bank, related to an account titled " SYNCB/Lowes, '' of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). 2/14/2024 I sent a certified letter requesting them to verify, update and respond to me by mail with updates within 30 days with information that has requested. On XX/XX/XXXX I sent a certified letter updating my home address and requesting derogatory items on my credit file be investigated, updated or deleted if the items could not be properly verified and respond to me within 30 days by sending the verification process to me by mail. As of today XX/XX/XXXX they have ignored my request.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in I believe XXXX or XXXX and financed it with Santander Consumer USA. I attempted to make arrangements with them to make payments because I was having difficulties making my payments. They weren't willing to work with me and the car was repossessed, I believe in XXXX or XXXX. I was not notified of the public auction or the whereabouts of my car and they didn't provide me with an inventory of the contents of my car. I had to make numerous phone calls to locate my car and when I went to get the contents from it, there wasn't any list and the contents were in plastic bags and had been already gone through. I didn't get any information about the repossession of my automobile until after the public sale of my car. It didn't provide the location of the public auction. 

This entry was reported to the credit bureaus as being a repossession but it was successfully removed because the steps for the repossession were not followed according to CA XXXX XXXX. It is now being reported on my credit report as a XXXX and it is showing a balance owed of {$11000.00} which is incorrect. I disputed this with the credit bureaus and Santander then renewed the date on it and when I go into my account with Santander it is showing totally different information. It is also more than XXXX XXXX XXXX and should be removed from my credit report. Santander Consumer USA is a horrible company to work with and they are also have harrassed me in the past while I had the car by calling constantly ( more than 3 times per day everyday until I requested that they stop contacting me. What can be done to correct this and to get this XXXX removed from my credit reports as soon as possible?
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I request that the following fraudulent inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transuion should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}
Product: Debt collection

A collection company called SOURCE RECEIVABLES MANAGEMENT furnished a tradeline on my consumer report. I was not notified regarding this debt, I was not given any disclosures, and I was not given the opportunity to dispute the alleged debt. This company is in violation of the Fair Debt Collection Practices Act 15 USC1692c. No chain of assignment, insurance regarding the debt is unknown, don't know rather this debt was reviewed by an attorney, and there is no paper trail regarding this alleged debt.
Product: Money transfer, virtual currency, or money service

I'm trying to link my account with XXXX and it will not allow me to do so? I'm trying to make an investment to grow my money for future use and this bank will not allow me to do so. I need to know why this problem exist.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter to Experian regarding a request to investigate things that I believe to be inaccurate and/or incomplete in my credit report. Experian responded back with a stall letter on XX/XX/2024 stating that it was not me but a third party trying to fix my credit. However, I mailed this from my own house. I am not sure why they think Im a third party as I am trying to fix my own credit while getting these inaccuracies removed as I am trying to get a vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced XXXX XXXX in XXXX and in the Divorce Decree it listed a property at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX as her having sole possession and me giving up all rights. I have not received any bills, letters, or notices about this property in the last 9 years as XXXX XXXX was awarded the property. XXXX XXXX past in XXXX of XXXX. I did not find out until I visited with a mortgage lender about getting a loan to purchase a home for myself. That's when I found out that the the property on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX serviced by XXXXXXXX XXXX listed my name as the primary borrower and the XXXX XXXX never refinanced the property as required by law. 

I have contacted XXXX XXXX to see if the house can be removed from my credit report as I no longer owned the rights to the property. XXXX XXXX advised me that due to me being the primary borrower they could not remove me per the mortgage agreement and that they do not honor divorce decrees.They did mention that if I want the late payment reporting to stop I could refinance the property and they would move all overdue payments to the back end of the loan. I told them this is not an option as I have no rights to the property which also keeps me from selling the property. I also asked them why they did not notify me that the account was derogatory and that they were reporting as such on my credit report. Federal Law requires them to contact me before reporting negative information. They did not notify me nor did they give me an answer as to why they never sent me any information, documentation or notify me the last 9 years. 

Since XXXX XXXX 's passing in XXXX, her daughter XXXX XXXX XXXX and her husband have been living at the property and have not made any payments since XXXX XXXX passing. The daughter, XXXX XXXX XXXX has been attempting to refinance the property into her name and did a loan modification in XXXX since her mother XXXX XXXX willed it to her without my knowledge of any of it until recently as I was attempting to secure my own mortgage. 

I have sent XXXX three letters explaining this to them and asking them to remove the account from my credit report since I have no legal rights to the property. XXXX only responded one time, under a different mortgage companies name of " XXXX '' with a computer generated form letter that did not address the issue. I asked for documents pertaining to the loan and they will not send them. I then hired XXXX XXXX, Attorney at Law who sent a letter of intent which XXXX never responded to. I then contacted the XXXX XXXX courthouse to see if the order of the property awarded to XXXX XXXX can be reversed but they can not change the decree since she is passed away. 

Now, XXXX XXXX is ignoring our letters, and requests for documentation, or helping us find a solution to this issue. They are still reporting this mortgage that I have no rights to on my credit report. The property is about to foreclose because they will not work with the owner and occupant of the house, XXXX XXXX who wants to finance the house in her name and make payments.
Product: Mortgage

My lender Wells Fargo has set a slae date for XXXX/XXXX/2016 while asking me to provide additional information for their review of my modification.. I 'm told this is dual tracking.. They have put me under increadible stress forcing me to take legal action. I have repeatedly asked that the sale be postponed until we can provide the necessary documents requested, for review of a modification ... The loan on my home is a neg am loan and i have for over a year been trying to get this toxic loan modified ... Please help
Product: Debt collection

I think you should do something about the hundreds of people a day being sued during a pandemic. Souless monsters filling up our court everyday since covid sucking what bit of life we have left out of us! Unfair, these people are coming out of the woodwork like vultures. Billon dollar indrusty thriving during a pandemic. There is something very wrong about that. Disgusting!