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

I was/use to be a member with Capitol One for one year. After that year there were multiple issues I experienced. I noticed that onceXX/XX/XXXX received my Capitol One QuickSliver Card in XXXX of 2024, there were inquiries that I never made and this is one of the many problems that occurred along the way. It wasnt until XX/XX/year> that it started getting worser. I had gotten a new credit card with XXXX and thats when I saw that this negatively impacted and affected my credit score by XXXX points, I went from XXXX to XXXX, I was very upset about this and even asked Capitol One why they had lowered my credit score but they say they couldnt provide information because it wasnt their department. They told me I had to contact Credit Bureau Report, which was extremely hard because both Capitol One and each Credit Bureau Reporting agency would always connect me with a voice operator and everytime I asked to be connected with a live agent/representative they told me they could only connect me under very special circumstances and they never explained what counted under special circumstances. After that I gave up trying to contact them. However, thing got even worse after that because in XXXX I noticed that someone made a bunch of soft/hard inquiries on my account and due to the frustration with how many times I have tried to connect with someone on the Credit Bureau Reporting Agencys or XXXX XXXX end it was next to impossible because of how hard and complex they made their customer support system. I never reported this and my credit report went down even more. In the Month of XXXX I applied for a Credit Line because when my credit score had hit XXXX in XXXX I noticed that I was also eligible and going to have a Credit Line Increase on my account. However, because my account went down by XXXX points that never ended up happening and everytime I checked my info section on Capitol One I saw that I had a Credit Limit more than {$800.00} which was my current limit. Ever since then I have never been able to change that and that has never been able to be removed from my account. I applied for a credit line increase and was disapproved, after that my credit score went even more down. Then I suddenly realized that the best decision I could take would be to close my account down because this issue would keep occurring and yes I know that this could involve my credit score lowering down even more, but I would rather close my account with Capitol One than just keep experiencing more issues with Capitol One. I just got a notification that my credit score went down by XXXX points today due to that reason and because of all this is why Im writing to hopefully be able to revoke/ have this taking off my credit report. I believe that Capitol One abused violations and I was taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/Mattress Firm Account # XXXX I was under complete isolation due to the Corona Virus. I am XXXX years old and for the past year I have had severe memory issues ( verifiable ) Had no income for almost 1 year. 

In addition, I never received any notice ( either by email or by the Post Office due to the incorrect mailing address ). In addition I asked them to notify me by mail and not to use my email address. The reason being that Synchrony Bank had my incorrect address. They had it listed ( still is ) under XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX. The correct address is:XX/XX/XXXX XXXX XXXX,. 
XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX. ( in a large complex ). I telephoned their customer service and was transferred 4 times. I asked that my phone call be noted and added to my calls.. They offered me a one time late payment removal. There are 5 from the beginning Corona issue. 

I am asking them to remove these late payments, remove the late fee 's. I also offer to pay any past due amounts to bring my account up to date ... ... ... .They refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account XXXX XXXX that Equifax as on my credit report. This account does not belong to me. Ive requested for the last two years that Equifax send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX XXXX which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is Equifax reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and Equifax as failed to do so.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data breach has compromised my credit showing inquires not known to me and a creditor attach in this dispute sent fcra violation or ftc
Product: Credit card or prepaid card

At a Wyndham timeshare upgrade presentation I was offered the XXXX by Wyndham credit card. I told him I already have one. The sales representative kept pushing for a higher limit credit card. I kept saying, NO. The 2 people then asked, Can we get your information just to update your card? I asked why and was told it was for my current credit card, just to keep it updated. I reiterated, I don't want a new card. They promised it wasn't for that. Needless to say, a month later, a new wyndham credit card came in the mail. We were not happy. We felt betrayed by their promise, It's not for a new card, it's just to update your information. Well, this affected our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax several times about them removing accounts without my permission or consent. Several accounts were disputed without my permission and XXXX XXXX was notified no one as well did anything the online portal doesn't allow me to make proper dispute some accounts, I'm not allowed to dispute I've called and informed them of the problem and with no resolution. Equifax has removed accounts without my permission without me consenting when I contacted them and made them aware of the situation, they told me that they would fix it. I since checked and nothing been done about the situation. My credit file has not been properly updated I have purchased tradeline for my credit file to help repair my credit as well became an authorized user on XXXX Credit Card and XXXX Credit card these accounts have never been reported at all since that unauthorized dispute that I never l gave permission for Equifax to open. I have contacted Equifax several time about this situation a bunch of broken promises. Since that unauthorized dispute done without permission nothing been reporting correctly and contacted them several time, I'm on the phone with customer service over hour sometimes 2 not to come up with ANY SOLUTION
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian Subject : Request for Investigation and Correction of Inaccurate Information on My Credit Report Dear Experian, In response to an email receiveXXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report, as outlined under my rights granted by the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires credit reporting agencies to ensure maximum possible accuracy of the information they report and mandates a reasonable investigation of disputed entries. 

Credit reporting agencies, such as yours, play a crucial role in providing accurate and reliable information to creditors and consumers. This responsibility entails verifying the accuracy of reported data and promptly correcting any inaccuracies that come to light. Failure to fulfill this duty not only harms consumers but also undermines the integrity of the credit reporting system. 

I have reviewed my credit report and identified the following inaccuracies : Unverifiable/Unfamiliar Information : 1. XXXX XXXX XXXX account : No account number. ( Making it unverifiable ) 2. XXXX XXXX accounts with identical account numbers # XXXX ( Making it unverifiable ) 3. XXXX Account # XXXX XXXX XXXX reported XXXX consecutive months XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX  XXXX # XXXX XXXX XXXX reported XXXX consecutive months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Pursuant to the FCRA, I request that you investigate these inaccuracies and provide me with the results of your investigation, along with a revised copy of my credit report reflecting any necessary corrections. 

It is worth noting that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, highlighting concerns about inadequate investigations into inaccurate information on consumer reports. This underscores the importance of compliance with the FCRAs requirements to protect consumers like myself from the consequences of inaccurate reporting. 

Enclosed, I have included copies of relevant documentation supporting my claims ( e.g., account statements, correspondence with creditors, or proof of payment ). Please let me know if additional information is needed to facilitate your investigation. 

I expect your response and the completion of this investigation within the 30-day timeframe mandated by the FCRA. Please send all correspondence related to this matter to the address listed above. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to uphold your legal obligations. 
Enclosures :
Product: Checking or savings account

I am submitting this complaint in the behalf of people that can learn from my experience. 
Since XX/XX/XXXX, there was an agreement with Wells Fargo Bank that my statements will close on the 7th business day of each month. It has been that way since recently. On the Month of XX/XX/XXXX and XX/XX/XXXX, they suddenly changed it to the 5th business day of each month, without prior notice. I asked them, to please reinstate my closing date for the month of XX/XX/XXXX to the 7th business day. After nine days, they sent me a letter saying that " WELLS FARGO RESERVES THE RIGHT TO CHANGE STATEMENT CYCLES ASSIGNED TO YOUR ACCOUNT WITHOUT PRIOR NOTICE ''. Their letter also says : " we strive to remedy the request to the best of our ability. However, are restricted by items beyond our control, such as federal regulations, third party service agreements, and legal or regulatory implications ''. If you are an organized and responsible person, this is an issue. Now, my question is " Do all Banks have the same behavior? '' I never had THIS KIND OF ISSUE happening TO ME, but with WELLS FARGO. If somebody reading this complaint has a DEEPER INSIGHT, please contact me or let me know about it. If a " small issue '' like this is happening with no shame, then you can Imagine what is happening in other issues. It just takes a little yeast to leave the ENTIRE DOUGH. Not a fair game! The insatiable appetite for oppressive control is growing by giant leaps these days!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has never reached out to me regarding those two derogatory marks on my credit. 



In XX/XX/XXXX. I brought my First car and in order for me to drive the car off the Lot I had to buy insurance! Which I did I brought insurance through the dealership because they knew someone and that was XXXX XXXX XXXX.. I didnt have a great relationship with XXXX XXXX at all BOTH times I had them. When I got into an accident my car was Totaled and wasnt able to get fixed. And in XXXX I ended my relationship with XXXX XXXX XXXX XXXX. Not owing them a dime! But unfortunately they report on my credit report that I opened an account with them XX/XX/XXXX which isnt true. Because I brought my car back in XXXX XX/XX/XXXX. So how could I have opened an account with them around XXXX? Makes absolutely no sense completely absurd. They stated I owe them XXXX $ I need documentation with valid proof. 


In addition to this they also stated that I owe them another XXXX XXXX And the account was opened XX/XX/XXXX. If I recalled I ended my relationship with XXXX XXXX back in XXXX XXXX. Due to them stating I owed them back payments for a system glitch on their own system. I called to report that I notice I wasnt being charged for the month of XXXX payment and thats when I was told by representative that it was a computer glitch and it was a mistake on their behalf! Which also means that I was driving around without INSURANCE! Thats another violation! I could have had my car impounded for a mistake or worse I could have gotten into a car accident and been in JAIL for not carrying insurance but according to XXXX XXXX it was a mistake and they promised not to charge me. When I notice a charged for two separate payments I called my bank for FRAUD! Because XXXX XXXX  committed a FRAUD. I could understand If they fixed the glitches and I was charged for the month of XX/XX/XXXX but nope they charged me for both MONTHS. After I was told not to worry that I wouldnt be charged for an ERROR!. 

Lets talk about UNPROFESSIONAL! Its unethical to tell a CUSTOMER you wont charge them and charge them anyways. And on top of that report such thing on my credit report! I dont owe them any MONEY! And if I do I need documentation with proof and proper dates! And signed documents from ME! With my signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis has reported all claims from XXXX XXXX as at fault insurance claims when they should be no fault auto claims, I have letter from XXXX XXXX  that they were not my fault but they have done this as a result of this I am unable to get auto insurance in the normal route and when i get through the new your auto policy, the premium is way too higher. Plus they have also added some points on my data, I dont know what those points were assigned to me for, I checked my DMV record and I dont have any points associated with that. I dont know what this company does because of their careless reporting My Insurance has increased a lot and also why these private companies are controlling our fate. when DMV has something called driving record in place why companies like lexisnexis. they necessarily cause trouble to people like us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO DEALER SVC XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO DEALER SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I am XXXX XXXX XXXX and losing my home due to the impacts of COVID. I have provided all financial information that my servicer Rushmore Loan Servicing required of me including the Modification Application, Proof of Income, Bank Statements, and tax returns via e-mail on XXXX XXXX. Rushmore Loan Servicing as acknowledged receipt of my package via a phone call and a letter that I received dated XXXX XXXX. Please see attached letter. He advised me after looking at my information that I did not qualify for any home retention programs. He also advised me that the foreclosure sale would not be postponed. In speaking with a HUD XXXXounselor I was advised that under the Homeowners Bill of Rights Act that not only am I entitled to a full review of all programs available that I also should have a right to understand why I was denied and be given a right to appeal. Furthermore, that dual tracking is prohibited. am being told that those rights are not afforded or apply to me which I do not understand. Attached, please find all information I provided to Rushmore Loan Servicing along with the correspondence I received acknowledging my information. My information was also provided more than 5 days from the foreclosure sale date.
Product: Debt collection

This company has sent me multiple letters and has reached and spoken to me by phone so they are aware they have my correct information. I told them I would pay when I could and to stop calling until then. After that, that have harassed/repeatedly called my parents and several grandparents and have given information that this was concerning a debt which should not be given to family members
Product: Credit card or prepaid card

Im a 100 % XXXX veteran. I opened a discover account from a mailing advertisement. 
Not long after having the account I found transactions from a prepaid cell phone company, no one at discover card could help me so I canceled my card and had them issue me a new one and started disputes on the fraudulent charges. Even after changing cards Discover still allowed fraudulent charges on my account it was unstoppable I had no place to go but except paying {$65.00} a month for something I never authorized. After disputing them and having issues doing it I closed my entire discover account and Im not going to be a customer of theirs ever again. But now theyre sending me letters theyre crediting me for some of the monthly fraudulent charges but yet saying some of them theyre going to call valid because I closed my account. This is pure fraud on somebody with XXXX.
Product: Mortgage

On XX/XX/2010 I closed on a house for me and my children. The property should never have closed in it 's condition. The broker acted in concert with the realtor to close the loan on a house that is almost uninhabitable. The condition of the property was grossly misrepresented by all parties involved. Because of their deceptive business practices our finances have been in ruin.
Product: Mortgage

I was looking to refinance my home in XXXX. I got several offers and went with the best one from freedom mortgage. My current lender PennyMac reached out to me they would match or beat it, I liked the PennyMac services so I agreed ( they would match the APR and the closing costs saving me thousands from Pennymacs initial refinance estimate ). I signed closing documents with a notary approximately XXXX. On XXXX the title company called and said that PennyMac changed my HUD-1 form  and I owed {$8000.00} XXXX previous HUD Estimate was $ XXXX ) by the following Monday. 
I contacted PennyMac and they said they would work to fix the issue, after having several managers, loan processing agent and many representative involved, I went through four additional notary appointments to close, all of which the notaries reported the day before that PennyMac did not send them the documents and they could not have me sign. I am not being informed that they will force close the loan and are offering me a higher interest rate and about {$10000.00} in closing costs. We reached an agreement in XXXX and they have failed to get the documents in order and already agreed to a closing, I was also informed that they may be collecting a daily interest on my closing since the signing in XXXX which the reps and the loan processor are unable to deny/confirm. 

Complaint : PennyMac needs to honor the initial agreement they had me sign as I have waited four months. They should also be liable for the four months of interent on the payments I made. 

As of today, the representative reported, They can not process my loan because they have not pulled a credit report. This again is there portion and relatively simple, they have also added a closing charge of {$75.00} to pull the report in XXXX.
Product: Debt collection

XXXX XXXX is claiming I owe them {$500.00}. I have asked for verification of the debt for months. XXXX has never verified the debt ( what it is for with receipts and proof I owe it ). XXXX hired Transworld SYstems Inc., a collection agency, to attempt to collect this unverified and baseless debt. I have a perfect credit score and I never have debt owing. This is defamation of character and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel the {$10.00} fee to freeze my credit report with experian is unjust and amounts to extortion. I never signed any agreement with this company to give them power over my credit, yet they yield the power to wreak havoc in my life by enabling identity thieves. It should not cost me a penny to protect myself from this, and other credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : inquires not mine XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX