23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 100 % with a credit score of XXXX. 

XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts XXXX, Inquiries XXXX, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX  XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit card

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Product: Mortgage

On XX/XX/XXXX, I received a called from XXXX XXXX, stating that my Flood policy was cancelled, because my Mortgage company failed to pay in a timely manner, When Flood policy was taken over by the Federal Government, I was Grandfather in at a of rate {$500.00} yearly, with only 18 % increase rate. After investigating and going back and forth with XXXX XXXX and Rushmore mortgage. Rushmore mortgage admitted that it was their fault, that they accidently place my flood policy in a non-payment status and realized their mistake and pay the insurance late. Because of their error, I was cancelled, causing my flood insurance policy to increased from {$840.00} to {$3400.00}. I informed them that I will be unable to pay this amount, because I am currently on XXXX with limited financial resource, My principal and interest mortgage is {$340.00} and I currently pay {$1400.00} in escrow, which makes a totally of {$1700.00} a month. For the record, I have paid as high as {$2200.00} a month. Rushmore stated that they are willing to pay the {$3200.00} this year, because of their error, but that is the best that they are willing to do. I informed them, why should I be penalized for their mistake. This will definitely be a hardship for me. Could you please help me to resolve this issue and hold then accountable for their action
Product: Checking or savings account

On XX/XX/year>, Capital One froze my checking account ( XXXX ) without any good reason. I have called Capital One innumerable times seeking an explanation. They will not provide any justification. They tell me they have appointed an investigator ( # XXXX ), but will not provide the name of the investigator. They claim it could take up to XXXX months to " investigate ''. 

I have requested the name of their Corporate Counsel many times, they refuse to provide this information. I have also asked which Federal Agencies govern XXXXapital One, they refuse to provide this either. They place every impediment in the path of customers trying to file complaints.

While Capital One is holding my money, they are crediting me an interest rate of 0.1 %. Simultaneously Capital One is charging me 29.99 % interest on my XXXX credit card ( XXXX ) and 26.24 % interest on my XXXX  XXXX account ( XXXX ). This is usurious. I am unable to pay my school fees, and my credit card, because Capital One has frozen my money. 

My call dated XX/XX/year> should to be uploaded to Capital One Corporate Counsel, and a formal complaint filed with Government agencies for XXXX XXXX fraud. 
FDIC XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
Product: Credit card

In XX/XX/year>, I discovered fraudlent charges on my Capital One account. I contacted Capital One, provided the necessary proof of residence documentation they requested. 

I filed a dispute, and in XXXX received a letter stating that my dispute was denied for the following reasons : " We received signed documents, dated prior to the date of my fraud claim, acknowledging this account is valid. '' " Information we discovered leads us to believe yuou or another account user benefitted from the transactions. '' " Activity on the account indicates you opened and interacted with the account. '' I asked for copies of the documentation used to fraudlently change my address, but they refused to supply it. 

I refuted the charges again in XXXX, however received no reply. 

I filed a report with my XXXX Police Department. 

Capital One has now reported my account as 30 days delinquent. Capital One not sent me any bill for this account since before the original dispute. 

I filed another dispute to this, but never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several years to get my FREE credit report from Equifax and XXXX XXXX but I am never able to pull the report online. They always say my request can not be processed and have to be ordered by mail which can take up to 30 days. This has happened several years in a row. There is no number to call or an email to submit questions to. I have never had any issues with XXXX and XXXX XXXX has worked a few times but not for the last couple of years. Equifax has never been able to give me my FREE report online, ever but they can sell it to me without an issue. 

This is complete XXXX that my personal information is hijacked by companies that I have nothing to do with and I have no access to it without paying them a fee.
Product: Checking or savings account

On XX/XX/XXXX, I received a check written out to my deceased husband. This was from Wells Fargo with an accompanying letter that I did not understand as I had never been privy to the monetary dealings of the purchase of our new truck in XX/XX/XXXX. 
There has been a great deal of correspondence and phone calls between the Office of the President ( which I now understand is the Complaints department ) and myself since that time. In the beginning, I wished Wells Fargo to change the name on the check to mine so I could deposit the check into my personal account at another Bank. I sent them the documentation required to do this. 
I became suspicious of Wells Fargos continual demand for extra documentation to prove that I was my husbands widow and entitled to the monies. That prompted me to ask Wells Fargo for a detailed analysis of how the Bank worked out the accrued {$52.00}. 

The ensuing correspondence/calls on this latter topic have been inane. I have never received a detailed analysis and, in the last communication of XX/XX/XXXX, it was suggested that I do my own research of the Constant Maturity Treasury Yield. 

I consider that Wells Fargo should be investigated re my question of asking for a detailed analysis of monies owed to me since XXXX and their banal series of communications in which a litany of uninformed and always different personnel have replied. It was a simple question way back in XX/XX/XXXX. To date, I have not received any document to show how Wells Fargo arrived at the accrued figure of {$52.00} and have been continually brushed off by the Banks employees in my quest to find an answer. 

My request is always the same : I wish to see a detailed analysis of how Wells Fargo worked out the accrued {$52.00} on the initial capital of {$470.00} over a XXXX period. 
I have never received a check for the total amount in my name either.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/1988 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my complaints off on XXXX XXXX, 2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting unvalidated negative information on my credit profile to the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the bank associated with this account and they said they have removed the accounts, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, Experian & XXXX  ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of Experian dispute results from XXXX.
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : XXXX XXXX XXXX account : XXXX balance : {$1400.00}
Product: Credit card

American Express says I have an account and I owe {$8300.00}. I have never had an American Express card. I have contacted XXXX  and XXXX XXXX. I have reported it to the police for a report.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBfinding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to expo the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to XXXX, Experian and XXXX to no avail.
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a credit card recently, and I was declined credit because I was informed that they had found a negative record on my Equifax credit report from XXXX XXXX. I had taken insurance from XXXX XXXX for 12+ years, but since they kept increasing their rates, I moved to a different provider. Because I did not renew with them, they reported me to collections for non-payment of renewal premium, who in turn reported me to the credit reporting agency. How can a company even do that? If I have not taken your service, I have not paid you - that is how it works. 

So, I open a dispute with Equifax and they tell me that they can not do anything. They will report whatever a collections company sends them. What is the purpose of disputing then, if they just blindly report whatever is sent to them? When I called in, the rep was extremely unhelpful and I asked to speak to a supervisor, he said that one was not available. 
If there is such irresponsibility towards customers, how can consumers credit health be determined by refutable and unverified data maintained by such a company? If as a customer I am saying that I should not be responsible for the payment and clearly giving the reason why, then there should be some investigation rather than just checking with the collection company who reported the transaction in the first place? Of course, they will be told that the txn is valid. So, I am not supposed to switch insurance carriers, lest my credit history is tainted. What kind of logic is this?
Product: Debt collection

XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM
Product: Credit card

XXXXXXXXXXXX Per attached Best Buy purchase of XXXX ( XXXX ) Office 365 Product ( back-copy ) and receipts, I was under the impression that if I did not " scratch-off '' the back of the XXXX Office 365 product-card ( see attached ), the product could simply be returned to Best Buy and put back on the Best Buy store shelf for another purchaser. 

However, upon returning to the Best Buy XXXX XXXX, XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX with the " unscratched '' XXXX Office 365 product card, I was told by the Best Buy store salesman XXXX XXXX and Best Buy customer service rep that even if I brought it back in the 15-day window time for returns, since it is " Software '' it is NON-REFUNDABLE. 

No where on the receipt, or during the purchase, or posted on the purchase aisle in the store was I made aware that since it is " Software '' it is NON-REFUNDABLE, but rather, I was led to believe that if I did not scratch-off code on the back, I could simply return the product to where I bought it. 

As a " naive '' buyer, I was also led to believe to always buy software for any computer purchase, but the XXXX Airbook ( XXXX Air, XXXX Air on the receipt ) apparently is able to use cloud-based docs and spreadsheets, and does n't need any " downloadable '' software. 

The original Best Buy salesperson XXXX XXXX and Best Buy Customer Service rep were unable to help me with any possibility of return and explained that once the XXXX Office 365 product was scanned at the register, at that point in time, it became non-refundable - even though I did n't scratch-off the back of the product card and even if I had brought it back in the 15-day return-time window. 

I was not made aware of this at the time of purchase, but rather was simply made aware of the need to scratch-off the back to use the product. 

Customer service at Best Buy XXXX XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX told me to call XXXX, which I did, and they gave my this email XXXXXXXXXXXX to which I wrote. 

What is the official procedure for Best Buy, or ANY store that sells separate software along with computers, to accept return of UNUSED/UNSCRATCHED XXXX product to enable a refund or exchange? 

At the attempted time of return, Best Buy in-store Customer Service seemed to imply the onus was now on me as the " owner '' of the software-license to NOW deal directly with XXXX (?! ) since their cash-register-scan removed the product from their shelves without the possibility of return. 

However, further enticement was made at the time of purchase to perform the purchase via " new '' Best Buy Credit Card, which also was done, again with the implicit ( and now-found-to-be-INCORRECT ) assumption that returns could be made to the card if the XXXX Office 365 product was deemed unnecessary at a later date. 

Please investigate and reply.
Product: Credit reporting or other personal consumer reports

My reported balance is incorrect. My reported balance has not been updated to my statement balance of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked this company to verify or provide paperwork of my payment history in which that refused to make my payment on time. This company sent and reported wrong information to the Three Credit reporting  bureaus. They reported that XXXX I had made no payment until XX/XX/XXXX, until XX/XX/XXXX and totally stop. This company use the MPN for 4yrs to their advantage ; then when the Promissory note came to expired they defaulted my account and sent it back to XXXX XXXX XXXX. This is breaking the law and abusing and using government funding.