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

The company is Capital One. They are continuously reporting inaccurate late payment information on all three credit bureaus. I have written 3 letters to Capital One and 4 letters to XXXX, XXXX, and XXXX. Each time I get the response Account Verified as Accurate. I know No proper investigation is being done because the same inaccurate information is on my reports.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX XXXX  If they fail to do so, these items must be removed from my report. As more than XXXX XXXX have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit card

On XX/XX/year> I filed a complaint with Wells Fargo and XXXX credit card regarding two fraudulent charges on my account. One was a check that was mailed, and the other was an un-authorized ACH Debit. The check was fraudulently cashed one week later ( on XX/XX/year> ) by an unknown person. Neither Wells Fargo or XXXX can provide any information about this transaction. 

An executive complaint was filed. The complaint number provided to me was XXXX.
Product: Debt collection

I dispute XXXX accounts on my XXXX credit report they have been closed, charged off, written off and it is still showing a balance state of Michigan reported an account that has no lender or bank lender attached to it. I disputed these things because they are supposed to be removed off of my credit report. Accounts are showing written off or charged off and they still showing a balance which is against the law. Fraud during lent with addresses that I have not resigned that also names on my credit report that are incorrect, and I would like them to be removed, as well as the addresses that I do not reside at. And all of these issues are from XXXX credit bureau.
Product: Mortgage

I recently contracted to purchase a property from XXXX in New Jersey as they also have there own in house mortgage company, K.Hovnanian American Mortgage, XXXX. As an inducement to use their own in house mortgage company I was offered $ XXXX off the purchase price. XXXX, I did n't have any an issue with this process until today. My original mortgage rate offered was XXXX floating. I had many communications with the loan XXXX who at no time explained to me that I was floating and that I would run the risk of not being able to receive the original rate offered if did n't lock in. To my dismay I was notified today that my loan is not locked in and they can not deliver the rate promised and tried to convince me into taking a XXXX year or XXXX year ARM. I did not have the bonfire option of shopping for competitive financing due to the fact I discovered well after the fact I was out of attorney review and behind the point where I could cancel my contract to purchase my home without grave financial damages including but not limited to forfeiting my deposit that the unit I am purchasing is considered a non warrant-able condo. By vert-rue of this I am not a candidate for XXXX or other agency financing. I feel like I have been deceived by a bait and switch. If I did n't know better I would say they have an monopoly. Please help me.
Product: Credit card or prepaid card

synchrony bank denied my application stating they were unable to verify my Identity, I applied for this card in person at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, I provided them with a copy of my ID and they verified it was me. synchrony also sent me a letter in the mail asking me to complete form XXXX which i did. 

synchrony Bank claims they check credit reporting agency XXXX and the data was inaccurate but that's a lie. I request a copy of my credit report and every information i provided was accurate. I will attach a copy of my credit report and also the letter synchrony bank sent me in the mail.
Product: Debt collection

On XX/XX/XXXX Comenity collection department collected {$66.00} as a payment to take the balance to {$0.00}. 

On XX/XX/XXXX Comenity collection department send me a bill with a balance of {$110.00} due on XX/XX/XXXX I called to dispute this new amount and they told me that a manager can override any previous agreement made with any agent and that they would not take that off my balance. I told them that the agent had spoken to a manager, and they agreed to take off all the other charges to listen to the recorded conversation we had. They said they do not keep recorded messages and they do not have transcript of the conversations. 

The original amount is {$20.00} for a yearly membership fee that was never used so I forgot about it and did not cancel. Those {$20.00} grew fees on top of fees. 

They did not want to come to an agreement, nor did I know about my rights stated in 15 US code 1692, under section C. They did not go to the right channels and process to collect my money and once again to avoid more fees I ended paying them the {$110.00} on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to Synchrony XXXX XXXX XXXX I spoke to XXXX XXXX XXXX and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.
Product: Credit reporting or other personal consumer reports

It's troubling to realize that my consumer rights are being disregarded. My credit score is important to me, just as it is to everyone else, and the inaccuracies in my credit report have harmed both my financial prospects and my XXXX XXXX. I've been attempting to address this for a while now, but my requests to correct these issues and address my concerns about the inaccuracies in my credit report have consistently been ignored or dismissed.
Product: Checking or savings account

On XX/XX/18 I mailed a {$40.00} check to my sister, XXXX XXXX which she never received. I did not put a stop payment on the check as she is my sister. On XX/XX/18 I noticed the check cleared my XXXX XXXX XXXX XXXX  checking account. I checked with XXXX XXXX and she had still not received the check. When I printed a copy of the check it was signed by XXXX XXXX, an individual unknown to XXXX XXXX or myself. On XX/XX/18 I filed a fraud dispute with my bank ( XXXX XXXX XXXX XXXX ) for a check that was false cashed by Bank of America. I was advised it could take up to 60 days and later told up to 120 days, I have been told repeatedly by XXXX XXXX XXXX XXXX that they are waiting on Bank of America to respond to their request. It has been over 6 months and no response.
Product: Credit card

Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered!
Product: Debt collection

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Product: Money transfer, virtual currency, or money service

I have been scammed by someone using Cash App and I received no help from Cash App to recover my money after I filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit. 

I hope you can help me.
Product: Checking or savings account

The complaint is for XXXX XXXX XXXX by Goldman Sachs. 

I initiated a withdrawal in the amount of XXXX dollar on XX/XX/XXXX. However, the withdrawal was reversed without a reason or a notification, even after confirming with multiple agents on the phone verifying my account information and ensuring the account I was transferring to indeed belongs to me. 

This incidence made me uneasy with XXXX. Thus, I initiated an account closure over the phone on XX/XX/XXXX and requested that the full amount of over XXXX dollar to be transferred to my XXXX XXXX XXXX Account. The agent stated that the XXXX of the full amount and subsequent account closure will be processed within XXXX business days. On XX/XX/XXXX, which is the fourth business day, there was still no update. So I called XXXX and the agent assured me that it should be processed by the end of the day and I should receive a confirmation email once the request is fully processed. But there was no confirmation email by the end of the day. Given that it was XXXX XXXX holiday, I waited until XX/XX/XXXX. I contacted XXXX again regarding the status of the XXXX and account closure, but I was informed that the transfer and account closure was cancelled by my request, which is not true. 

The agent also instructed me to initiate an account closure on their webpage. So I initiated the account closure online as instructed on XX/XX/XXXX. There was no confirmation via email, so I called XXXX to ensure that the account closure is indeed submitted. The agent over the phone confirmed that the account is closed and stated that I should receive the withdrawal in XXXX business days. 

The back and forth with XXXX on this issue is extremely exhausting and more importantly, with the delay, I am now likely unable to pay for my bills on time and I have to take other means to resolve the financial issues.
Product: Debt collection

CC CB/VICSCRT XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX/XXXX  XXXX XX/XX/XXXX {$730.00} XXXX  XXXX XXXX XX/XX/XXXX {$810.00} other XXXX XXXX XXXX XXXX {$1700.00}
Product: Mortgage

In early XXXX I began calling customer service at Newrez/Shellpoint. I own a duplex and Newrez is the servicer. I asked for a Consent of Mortgagee Form to form a condo regime on the duplex that I own. I work for a mortgage company and this is not an uncommon request. Instead of receiving this form I was sent a partial release package from Shellpoint  on XX/XX/XXXX. I am not trying to sell any part of my land and do not need a partial release. With the release package there was a phone number for customer service to call with questions. I called and was told that they submitted my request for the form. I called several more times and was told they were working on it. On XX/XX/XXXX I sent a certified letter with an example of the form I needed to the Shellpoint legal department and requested the form again. They never responded. I also sent an email to the servicing department on XX/XX/XXXX requesting the form and provided an example of what I needed. No response. On XX/XX/XXXX I called customer service again and was told that a package went out to me by email and was also mailed. Neither arrived. On XXXX I was finally able to get a customer service rep to escalate my call to a supervisor who told me there was no record of my request and no notes to show anyone was working on my request. I had been told many times by customer service that my request was being " worked on ''. I filed an internal complaint on XXXX. I received an email from Newrez on XXXX that they received my inquiry and would provide a written response. I do not have a response and have no confidence that this will be resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I learned that my personal information was used to open an account at XXXXXXXX XXXX XXXXXXXX on XX/XX/21. I did not open or authorize this account. I filed a police report regarding this identity theft crime. 

Over the past three months, I have disputed this account with Experian several times. XXXX XXXX  XXXX sent me a letter on XX/XX/21 which states that the account was opened fraudulently, and I am not responsible for payment on this account. In the last dispute, I uploaded following document to Experian between XX/XX/21 - XX/XX/21, but Experian still refused to move the fraud account from my credit report. 

Copy of the statement from XXXXXXXX XXXX XXXXXXXX Copy of the statement of fraudulent application for XXXX XXXX XXXX Copy of the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says I have a XXXX XXXX XXXX XXXX XXXXXXXX account debt and I have never dealt with this bank and never had TXXXX XXXX and after repeated disputes they fail to remove it. It is not mine!
Product: Money transfer, virtual currency, or money service

I had sent money to this person and i did not recieve the services promised so I tried to fix it with XXXX and they were not able to help me out, regardless of how fast I caught onto the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, the credit card company Wells Fargo reported a 30 day late payment on my credit file without contacting me or sending email that my account was approaching past due before the 30 days of delinquency which was reported by this company violating my right. 

In accordance with the fair credit Reporting Act, Wells Fargo account # XXXX has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604A Section 2 : states a consumer reporting company can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by Experian. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable credit reporting. However, despite my previous efforts to resolve these errors through dispute submissions, the inaccuracies remain unresolved. 


These issues are very similar to the practices identified in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( CFPB v. Experian Information Solutions , Inc. ). The CFPB highlighted the systematic failure to correct errors and ensure accurate information on consumers credit reports. I believe this pattern of non-compliance has directly impacted my report. 

To resolve these inaccuracies, I request : 1. A thorough reinvestigation of the disputed items.

2. Correction or deletion of the inaccurate information. 
XXXX. Written confirmation of the changes made. 

If this matter is not resolved within 30 days as required by the FCRA, I will escalate my complaint to the CFPB and other relevant authorities. 

Thank you for addressing this issue promptly. I look forward to your response within the required timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The do not respond to inquiries, They harass by way of phone call from numbers beginning with my area code.
Product: Money transfer, virtual currency, or money service

Purchased a watch from very convincing website, XXXX XXXX XXXX on XX/XX/19 paid via moneygram {$820.00} plus {$70.00} fee. Funds were picked up by XXXX XXXX in XXXX, XXXX at XXXX CST on XX/XX/19. Reference # : XXXX I received confirmation emails on the process of the watch. Last email stated watch was in quality control dept. As more and more time passed, i sent several emails asking when watch will ship out. Owner, XXXX, only replied once saying everything was fine. Then i read reviews online and people said its a scam, your order will stay in quality control status forever, and the owner never returns emails or answers the phone, and your money is gone. I sent several emails and called and no reply. Never received watch. ( His other sites are possibly XXXX and XXXX ) These sites need to be shut down. Moneygram needs to contact them and prohibit them from using moneygram as a form of payment.