23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, Transunion and XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA law the investigations took more than 30-45 days and I haven't been notified of any results of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection on XXXX XXXX XXXX XXXX partial account number XXXX*****. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I wrote my dispute letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate it not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an eviction on my Report but I have never been evicted
Product: Credit card or prepaid card

I did not revieve the service I paid for capital one reversed the charges back to my card, a dispute was started. 

I sent the physical items back to the vendor, I have proof of delivery and condition from the vendor. 

Capitol one is now placed the charge back on my account and is charging interest on items I no longer have
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX on XX/XX/2022 I disputed an account reported by XXXX XXXX  in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.
Product: Credit card

I have been a Wells Fargo credit card customer for well over a decade and have never had a delinquencynot just with Wells Fargo, but across all my financial accounts. Despite my long-standing history of responsible borrowing and on-time payments, I was informed by a senior representative in the credit card complaint department that Wells Fargo does not review interest rates, even for customers in good standing.

I asked if Wells Fargo had a retention specialist or any department that could review my account for an interest rate reduction. The representative said no, and when I pressed further, they directly stated, " I know it XXXX  '' I was shocked that a major financial institution like Wells Fargo would refuse even to consider a rate review, especially when many competitors provide flexibility for responsible borrowers. I was not demanding a guaranteed lower rate but merely asking for a fair review of my account, given that my current rates are 21 % and 28 % APR. 

It seems fundamentally unfair that a customer with a flawless payment record for more than a decade is given no avenue for consideration, while new customers often receive promotional rates. This practice feels predatory and discourages responsible financial behavior.

I would appreciate the CFPB reviewing this matter, as it seems Wells Fargos policies are designed to penalize loyal, responsible customers rather than reward them.
Product: Credit card or prepaid card

Hello, I have XXXX XXXX XXXX from Barclays bank. I filed for dispute with XXXX XXXX transaction for {$140.00}. Case # XXXX in XX/XX/2020. 
XXXX XXXX subsidy XXXX XXXX sold tickets in XX/XX/2020 with term that allowed 50 % refund for ticket price and 100 % for additional service ( seats and baggage ). They canceled flight in XXXX and I requested refund. Refund was denied base on new term by airline : " refund will be available 60 days after company resume normal operation ''. 
After that I asked credit card to start dispute base on original term. It must be XXXX Euros. 
Credit card open dispute and on XX/XX/2020 they send letter that credit could not be issue without supportive documents. I got letter one week later and contact credit card about the way of sending  information. Credit card dispute page not providing this option. 
During my phone conversation with Customer Service, I was told that dispute closed and Dispute department work like " on call service ''. 
I sent regular mail with documentation for review. It was delivered on XX/XX/2020. On XX/XX/XXXX credit card denied dispute and issue credit. They recommended to resubmit request before XX/XX/2020. This is day of my flight. I called to them on XX/XX/2020 and was told that dispute closed again. 
Still, no Dispute Department personal available and i have to refile again. 
None of the letter state that dispute was closed. 
This is complete fail by credit card to follow their term and condition for dispute, denying service that they have to provide and protect customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card last year and when I checked my credit report shortly after I received my card, I noticed it had 2 accounts listed. Both accounts were opened on the same day but one was closed that same day. I reached out to XXXX  XXXX and they looked into it. They apologized and said they were not sure how it happened but confirmed the account was closed and it was their mistake. I asked them to make sure it was reported on my credit. Fast forward to a year lasted and its still listed on my credit report as I opened and closed the account which I DID NOT DO. I disputed it with transunion and they did not get it removed off of my credit report. I did not open this account but yet it is still remaining on my report and no one can seem to help me.
Product: Debt collection

This is a complaint from XXXX XXXX against Capital One for Capital One 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Capital One has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting

I 've disputed this information with Equifax for over a year and have proven to them time and time again that these items do not belong on my credit report and all I receive is a statement saying that these have been verified. 
I am complaining for 2 reason : # 1 both of these bankruptcies are obsolete and are past the statute of limitations. The bankruptcy ending in XXXX was filed XX/XX/XXXX and is a chapter XXXX which means that it can only stay on my credit file for up to 7 years and should have been off XX/XX/XXXX! They continue to send statement after statement saying " has been verified ''. Not only is it obsolete, but I know for a fact that it has not been legally verified. The bankruptcy ending in XXXX was filed XX/XX/XXXX which means that it should have come off XX/XX/XXXX! Why are these still on my credit file??? 
# 2 I do n't care what they try to prove is on my credit report - everywhere that i pull my credit and my creditors pull it, they see this invalid information. They can try to reconstruct it to suit their need to keep it on there but they are in violation of the FCRA section 1681. I also require that they send me the physical petition that shows this invalid information. That is the only legal form of verification and they are refusing to send it although I am allowed to review these docs myself under section 609! 
Please see my letter that I have attached as well as the credit report which proves that they are reporting invalid information. See page 5 for public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  # XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Also Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed On DEPT OF ED / XXXX Account XXXX accounts be removed because they are reporting last payments that are not accurate please remove these accounts immediately.
Product: Credit reporting

On XXXX XXXX, 2016 I disputed an inaccurately reported account with all XXXX credit bureaus, TransUnionXXXX via online and also with the creditor via US Mail on XXXX XXXX, 2016, with XXXX XXXX. It has been more than 30 days and it was just reported today, XXXX XXXX, 2016 as still derogatory. It previously stated that it was being reinvestigated and I never seen any results of the said investigation. I believe that XXXX broke the law by not properly reporting their findings to me, the consumer, yet they did to the Credit Bureaus. This company is notorious for not responding within the 30 day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to open a dispute at my request for the following inaccuracies on my report. 

Addresses that need removal XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts that are closed and are too old to be reported. Experian refuses to process my dispute 1. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 2. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 3. XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown I requested method of verification from Experian regarding the following closed accounts that I have disputed but remain on my report. To date Experian has not furnished who they verified account with and how the account was verified XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Experian reports inaccurate social security numbers for me : Please remove all numbers that are incorrect and do not have the last four as XXXX
Product: Debt collection

THERE IS A NEGATIVE REMARK FROM XX/XX/2013 THAT SHOWS A DEBT WAS PAID AND THEREFORE CLOSED. THERE WAS AN ISSUE WITH THE ACCOUNT THAT XXXX HAD FAILED TO FIX ON TIME AND DID NOT ALLOW PAYMENT. ONCE PAYMENT WAS PROCESSED THE NEGATIVE REMARK WAS SUPPOSED TO BE REMOVED.
Product: Checking or savings account

On XX/XX/2023 I deposited a {$90000.00} check from a client into my business account at Synovus Bank. I was told there would be a 15 day hold until the funds would be available and reflect in my account ledger. I was provided with an availability date of XX/XX/2023. On XX/XX/2023 the funds reflected available in my mobile banking app. On XXXX  XX/XX/2023 I went into a XXXX branch location and requested to withdraw funds from my account. I was told by the teller that my account was under review and I had no access to my account for any transactions. I called the customer service line and was told that there was nothing they could do to assist me and that I had to wait on a letter to come to my mailing address for further instructions. They could not tell me when or who was sending the letter or why I did not have access to my funds. I requested a supervisor assist me but I was declined. I am currently now unable to operate my business fully. I have already missed out on a business deal from that day. I am unable to pay employees or fulfill my contracted obligations with vendors. I am extremely frustrated to say the least.
Product: Credit reporting or other personal consumer reports

The United States Bankruptcy Court that states they do not report this information to the XXXX bureaus! So how is it that this information is reporting to my credit report. I attached a letter from the United States Bankruptcy Court stating they do not report this information!! My question is how and why is this still reporting to my credit? Do I need to get an attorney to rectify this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS WERE AUTHORIZED WITHOUT MY KNOWLEDGE AND I WOULD LIKE FOR THEM TO BE COMPLETELY REMOVED OFF MY CREDIT REPORT. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS HARM AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY MARK OFF MY REPORT.
Product: Credit card or prepaid card

So the first payment I sent from my XXXX checking account was not posted until after I called and complained. It took over 5 days from when the payment was taken on the day I requested it. This was a {$50.00} electronic payment made in XX/XX/2022. So I made a second payment in person at the fifth third bank with a check from my chase bank checking account. This was a {$250.00} payment made on XX/XX/2022. This was posted from my XXXX checking account the same day I paid Fifth third bank on the same day I made the payment at the fifth third bank location ( XXXX XXXX  on Friday Morning ). I have called both times and was told the first time not to do an electronic payment as it can take 5 or more days to post. I called again when the XXXX payment still had not posted by XXXX pm on Monday the XXXX of XXXX and was told it can take 3-5 business days to post to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted XXXX and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible
Product: Credit card

I hope this letter finds you well. I am writing in response to your communication dated XX/XX/2023 in reference to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023. I appreciate your prompt attention to this matter and the thorough review conducted by BMO Bank N.A. 

Acknowledgment of BMO 's Response : I acknowledge the details provided in your response regarding my request for a refund of {$170.00} and BMO 's assertion that a check was issued to me on XX/XX/2023. I appreciate the effort made to investigate the matter. 

Dispute Regarding Check Status : While I understand BMO 's position, I must reiterate that I have not received the check in question. Despite your confirmation of its issuance, I remain unaware of its status and, to my knowledge, it has not been delivered. I kindly request further clarification or documentation to substantiate the issuance and delivery of the check. 

Concerns about Affidavit and Compensation : In response to BMO 's mention of the Lost Affidavit Indemnity Form, I must express my inability to sign the affidavit due to the lack of information about the check 's status. Signing such a document without adequate knowledge poses a legal and ethical challenge. 

I must respectfully dispute the denial of my request for a {$200.00} compensation. The circumstances surrounding the lost check are unique to my situation, and I believe a fair resolution should be considered to address the inconvenience caused. 

Legal Considerations : Regarding the legal aspects of this matter, I would appreciate your clarification on whether it is within legal bounds for a credit card company to withhold a customer 's funds. Additionally, could you please provide information on the legal requirements for a credit card company to return money to its customer in a situation where a check has been issued but not received? 

Request for Thorough Investigation : I kindly request a thorough investigation into the issuance and delivery process of the check in question. Additionally, I urge BMO to provide any documentation or evidence that supports the claim of the check being sent to me. 

Conclusion : In conclusion, I appreciate your attention to this matter and request a prompt resolution. I am open to further communication and clarification to resolve this matter amicably. However, if a satisfactory resolution can not be reached, I may have no choice but to explore other avenues to protect my rights. 

Thank you for your understanding, and I look forward to your prompt response.