23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My uncle passed away XX/XX/2021. I am the sole beneficiary named in his will. My uncle had several accounts with Capital One Bank and Ive been trying to close the remaining accounts he had with them. After filing the estate tax return with the State of New Jersey I received the tax waiver for Capital One which allows me access to the accounts. I submitted the waiver to Capital One via fax that they provided me and sent numerous emails to the Bank Estate Operations Department that have gone unanswered. I called the corporate customer service number and was told the only way to communicate with the Bank Estate Operations Department is via email which Ive had issues with them answering since this process started back shorty after my uncles passing in 2021. They will not provide me with a phone number to call them nor will they contact them on my behalf and express my frustration with the lack of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove hard inquiriesXXXXXXXX XXXXXXXX XXXX  4NQUIRIESXXXX XXXX,XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting has been complicit with allowing XXXX XXXX XXXX XXXX to incorrectly report information on my credit report. I have sent a debt validation to the company within the 30 day period of them sending their collection to the incorrect address on file. They have yet to respond to the debt validation and they have inaccurately reported information on my credit report multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a factual dispute, based on information contained in my Transunion and XXXX credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked XXXX XXXX to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years. 

I do not understand why the credit bureaus and XXXX believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.
Product: Credit reporting or other personal consumer reports

after I cancelled my membership connecting my bank account Experian lowered my XXXX XXXX XXXX points
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, Transunion has reported an Employer I never worked for or have put that information on credit applications without verification of employment, Ive been XXXX for over XXXX years. This has damaged my credit when it isnt true.
Product: Student loan

I have been on hold for two days trying to reach Nelnet to pay off my school loans in full. The Nelnet website does not have any information on paying the loan in full. There is a payoff calculator, but no option to pay in full. 

Interest accrues daily, so I am being charged additional money for each day that this situation continues. This is not fair!! In addition, I can not spend hour upon hour on the phone. 

Please advise!
Product: Credit reporting, credit repair services, or other personal consumer reports

I answered an ad on XXXX for a facial for {$89.00}. I went in and received the services and paid for the services. I purchased XXXX more for which I paid. I was not aware that I had contracted with a financial company for services for which I did not receive. I tried to resolve this issue with XXXX and Cherry. Cherry said they paid XXXX and I had to get the money repaid by XXXX. I am a victim of predatory behavior as I am a senior on a fixed income. I spoke with XXXX and and owner and was assured the issue would be resolved. I kept being harrassed by Cherry Technologies and was reported to the credit bureau as written off and in collections. The credit bureau contacted me to inform me of this situation. My credit has been destroyed. I lost XXXX points. I am struggling to pay my bills working a part time job just to get by. My ambition is to pay my credit cards off. When I lost my job, I had excellent credit. But I was forced to live on credit cards until I could find gainful employment. Now this. My health is deteriorating because of this stress. These people saw an easy prey. Ruined me! I will never trust credit card companies again as they are in the business to enslave people who are in dire straights. This is absurd. Please help me.
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 XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.
Product: Debt collection

They called my mother after I did not respond to their phone call on XX/XX/2019. I then called back to inform them that they can not do this. They have not called again but they should have not done this in the first place
Product: Debt collection

I sold a property in XX/XX/XXXX and the new buyers were supposed to return the XXXX XXXX  equipment since we had an early occupancy agreement and had to keep all the utilities in our name until the sale officially closed. Apparently they never did return the equipment but I didn't find out about it until I tried to refinance a house in XX/XX/XXXX and my lender pulled my credit report and saw that XXXX had sent me to collections over the lost equipment fees. I was never notified by any debt collector or given the chance to dispute. Once I did find out about it, I was able to get in touch with the buyers and have them return my equipment and bring my account balance to XXXX and close it out within 2 weeks. The collection agency ( Transworld Systems Inc ) is refusing to provide a letter or anything that says the debt collection can be removed from my credit report and continues to tell me they don't actually have that authority and only XXXX XXXX can do that. Of course XXXX XXXX tells me that only Transworld could do something like that. Neither XXXX nor Transworld will acknowledge that they never contacted me about the collection. I've called each company several times and sent email requests to the only email address they provided and I haven't received any responses, and still haven't even received the XXXX balance letter they said I would receive a week ago. The collection dropped my credit score about XXXX points and I am unable to refinance my house because of it. I've already had to pay a {$5000.00} extension fee and am also paying about $ XXXX with my current loan and I simply can't afford to eat those costs while waiting for this to get removed. I also have had to spend an exorbitant amount of time trying to get this removed which has led to lost income from jobs I've been turning down to try and get this situated ASAP. I've explained the situation to several people both with XXXX and Transworld but I have received no legitimate help and have been lied to about who has the authority to communicate with the credit bureaus. I don't even need them to remove the collection from my credit report themselves, I just need a letter stating that it can be removed and then I can take that to the credit bureaus and have it removed myself ( which I also explained several times to no avail ). Transworld and XXXX have both taken no action that they said they would, let alone help to rectify the significant consequences I'm feeling as a result of their failure to contact me. If I had been informed I would have been able to resolve the issue before it showed on my credit report, which was proven by how quickly I did resolve it once I was informed. I learned of the collection on XX/XX/XXXX when my lender pulled my credit. I got the equipment returned and brought my account balance to XXXX by XX/XX/XXXX ( including the 10 business days Transworld said they needed to process everything after I got it to them ). I believe I have exhausted all options outside of legal action at this point.
Product: Credit reporting or other personal consumer reports

The XXXX acounts I have attached are not mine and the credit reporting agencies are saying the information was verified. I am still in a chapter XXXX and under federal laws. I can not open any new account such as loan or credit cars. With the Trustee approval. The will send me the approval letter from the Trustee. On of them has a court order child support they state I am am be hide the state refused to send documents to me and say there is no signed court order. The court order is singed. I did turn in the child support to the federal and state XXXX XXXX for fraud.
Product: Bank account or service

I incurred XXXX overdraft charges on my checking account on XXXX/XXXX/15 of {$35.00} each, for a total of {$100.00}. My account was overdrafted by & lt ; {$500.00} on XXXX/XXXX/15. 
I have several account notifications set up through BofA.com to inform me if my account balance drops below {$500.00}, my account overdraws, etc. When I received an email on ( XXXX/XXXX/15 ), I immediately transferred {$1500.00} from my Bofa Savings to BofA Checking ( XXXX linked accounts ). This was more than the overdrafted amount. I still incurred XXXX fees of {$35.00}. 
I called to have these fees removed. The initial customer service rep ( XXXX ) was very pleasant but her manager ( XXXX ) was incredibly rude and condescending. I kindly requested for the overdraft fees to be removed as I had not received any notifications until it was too late. The purpose of setting up the email notifications is to inform me BEFORE fees are incurred, not after. She said that is not their responsibility and told me I needed to have made a cash deposit before XXXX on XXXX/XXXX/15. She did not answer my further questions and hung up on me before our conversation was over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX Attn :  Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

The 30-day late payment being reported by XXXX XXXX XXXX is inaccurate because I have never paid 30 days late. 

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30 days late. After making 12 timely payments on the XXXX XXXX XXXX XXXX, I upgraded to a XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX of XXXX on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the 30-daXXXX late payment being reported on my credit file by XXXX XXXX XXXX. 

She advised me that they were reporting the 30-day late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX of XXXX on XX/XX/XXXX, to pay off the XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus. 

Below is the account information on the XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date - XX/XX/XXXX XXXX XXXX XXXX XXXX VIN # XXXX Lienholder VT XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-day late pay off and not me. Therefore, XXXX XXXX XXXX should no longer report this inaccurate information to Experian. 

Please correct this accounts inaccurate, negative status of 30 days late, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction. 

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted Navient my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices.
Product: Credit card

Contacted XXXX for service not delivered as expected. Received repeated stonewalling and non-responses ( see supporting document ). 

XX/XX/2024 opened dispute with Apple Card for service not delivered as expected. 

XX/XX/2024 Apple Card reached out asking me to provide exchanges I've had with XXXX. I replied with the documents on the same day ( my communication with them, bank statements showing I paid the charge ). 

No fair investigation was provided. 

XX/XX/2024 Apple Card reached out with the SAME email asking me to provide exchanges with the merchant. I did AGAIN. 

Contacted XXXX for service not delivered as expected. Received repeated stonewalling and non-responses ( see supporting document ). 

XX/XX/2024 opened dispute with Apple Card for service not delivered as expected. 

XX/XX/2024 Apple Card reached out asking me to provide exchanges I've had with XXXX. I replied with the documents on the same day ( my communication with them, bank statements showing I paid the charge ). 

No fair investigation was provided. 

XX/XX/2024 Apple Card reached out with the SAME email asking me to provide exchanges with the merchant. I did AGAIN. 

XX/XX/2024 Apple Card denied my dispute without a fair investigation. No investigation detail was shared. Apple Card claimed " The merchant charged you the same amount that you intended to and did pay for your purchase ''. This has nothing to do with the fact I paid for service not satisfactorily delivered.
Product: Credit card or prepaid card

I tried several times to make auto payments with my debit card but they quit taking debit cards for auto. Then when I tried to put routing and account number in for auto payment it took it and then kicked it out.! 
It has caused 2 late payments and Im asking those be removed
Product: Money transfer, virtual currency, or money service

There funds wired transfer from my bank to Gemini Trust Company , LLC. total is {XXXX  during XX/XX/XXXX to the end of XX/XX/2021. 

and there are transactions from my Gemini Trust Company , LLC account to third party 5 digital wallets. 

These 5 digital wallets belong to scam cryptocurrency platforms/organizations/organized crimes/criminals. 



The know your customer or know your client guidelines in financial services require that professionals make an effort to verify the identity, suitability, and risks involved with maintaining a business relationship. The procedures fit within the broader scope of a bank 's anti-money laundering policy. 

Gemini trust company LLC are responsible for safe transactions. I, as a consumer, did not receive the service or promise that was promised or described by Gemini trust company , LLC.

I have tried to contract Gemini Trust company LLC to dispute these transactions but was ignored and not offered any assistance and my account is frozen.

However, I have report to the following Law Enforcement agencies : XXXX XXXXXXXX police department, report # XXXX XXXX Federal Commission Report # XXXX And FBI IC3 and will report to New York State department of financial services Again I am requesting to refund my fund, Thank you XXXX XXXX
Product: Debt collection

I have verified with PayPal that I have NO account with them, yet I continue to receive statements by email from what must be a fraudulent source : Sender is XXXX Here 's your invoice Billing Department sent you an invoice for {$680.00} USD Due on receipt View and Pay Invoice Buy now. Pay over time.

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in 6 months. Subject to credit approval. See terms. US customers only. 
Seller note to customer, {$680.00}.., XXXX XXXX XXXX XXXX Don't know this seller? 
You can safely ignore this invoice if you're not buying anything from this seller. PayPal won't ask you to call or send texts to phone numbers in an invoice. We don't ask for your credentials or auto-debit money from your account against any invoices. Contact us if you're still not sure.

PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : en_US ( en-US ) XXXX : XXXX
Product: Payday loan, title loan, or personal loan

On XXXX the XXXX, 2022, I purchased a king mattress set a dresser, rug, and washer and dryer from XXXX XXXX, XXXX, NC. American First Finance has predatory lending practices. My credit report has a charge of {$11000.00}. There is no way that little bit of stuff cost that much. The store did not explain to me that that if it wasn't paid i would be charged {$12000.00} for that stuff because if they did I would not have purchased it. That is an astronomical amount to take from a XXXX veteran. I called the American Finance Company and discussed it and told them that I will be contacting your organization and they quickly wanted to offer me a settlement. Their phone customer service said I owe {$1700.00} and my credit report says I owe $ XXXXand the website say {$1600.00}. This company is taking advantage of consumers and it is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there to whom it may concern, This is the last formal complaint I will be filing In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 



I have reached out to Experian, XXXX, and XXXX to re-investigate accounts thoroughly. However, They stated everything was complete and accurate. After looking over my report again no changes have been made and i still see innacurate accounts on my report. i am beginning to wonder how did they look and investigate anything if open dates, last activities dates and much more incorrect informations from all reports are seeming to still be different and inaccurate. I am a real person and I would like to see full proof of items coming back being verified as me being the consumer. 

Section 609 ( a ) ( I ) ( A ), states you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on a credit report. 

For example copy of my actual signature of me signing and copy of photo ID The date and actual copy of me owning these accounts or any collections you guys are reporting on my account. You cant just say you investigating and not provide proof on how you guys came to that resolution. I would like a mailed copy myself and not just a receipt of debt collection this is not proof. Its unfair and has tremendously effected me on the process of becoming a new home owner. This is grounds for a proper investigation and According to 15 USC 1681i ( 5 ) they are suppose to remove any accounts that isnt reporting correctly as-well. Otherwise anyone can claim paying for your reporting services can mail, fax or email fraudulent accounts with you credit bureaus. 

I have highlighted the same accounts they said they investigated. How was this investigated if nothing has changed and you can still see discrepancies such as collection accounts showing as open and reporting missed payments? grounds for removal by law! please delete and remove or i will file a suit with all the evidence i have of you guys not investigating properly. I know my rights and would appreciate if you guys looked into this matter quickly and properly Delete accounts unless you want to be held {$1000.00} per violation I have highlighted all errors. 

Also they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case as i have kept everything from updates reports from prior months. You have 14 days to get back to me or i will file a suit on this matter. 


XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX SERVICE Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX  Account Number : XXXX THE XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX. 

Thanks very much!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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