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

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**Name of Account and Account Number** : XXXX XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized items are removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its relatedness to any of my transactions. 
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 XXXXXXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

XX/XX/XXXX- XXXX car loan for my spouse ( XXXX ) age XXXX since many yrs of hardship. Good income, job stability of 2yrs & cleaned up credit since XX/XX/XXXX bankruptcy filing which was paid off early. Dealer ran so many credit apps ( ding ) & ended with Ally car loan@11.95 % rate. Letter from Ally 3wks after having car that loan denied. Called Ally with being assured loan is ok. Payment of XXXX/mo & most is going to finance charges. Really??? 11.95 % interest. Scammers on minority people!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I had two money orders made for payment on a security deposit and 1st month 's rent. Two checks were produced for {$1400.00} and {$2100.00} from Key Bank at their XXXX XXXX XXXX branch. These were mailed using USPS. 

On XX/XX/2021, the property manager for my apartment complex informed me that they never received the checks. I have made significant efforts to stop payment on the checks and have the money returned. I have since made new checks made to my property manager using a new bank. However, I have been unable to rectify my issue with Key Bank. The crux of the issue is that the national customer service has no authority and the local branch has not answered their phone. I have called and left messages ~5-10 times per day from XX/XX/XXXX through XX/XX/XXXX. I have spoken with the specific department as XXXX ( the money order processor for Key Bank ) and they indicated that I must have the local branch initiate the process. I am concerned that the local branch is being negligent of their responsibilities and is effectively stealing this money from me.
Product: Credit card or prepaid card

I made a hotel reservation using USbank reward point on XXXX for my XX/XX/XXXX travel. after that Covid19 happened, I requested cancel my hotel reservation on XX/XX/XXXX. because it was refundable reservation. it supposed to be back to my account but I already switched credit card product usbank flex perks to usbank travel rewards.so agent told me I will receive refund check instead. 
but they never send me a check for {$130.00}. whenever I call to them customer service toss me to special agent and special agent toss me to member service department and member service depart ment send back to cutomer service center. no one knows what they can do. 
it is simple. 
I made a reservation through usbank travel. 
it is refundable. one night cost {$130.00} I requested cancel trip before deadline.

Usbank send me check for that. 
thats all. 
but they didnt do that
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my XXXX XXXX as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 record of conviction 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 card

Capital One Savor One account ending in # XXXX. I have a XXXX % interest on this card but the statement does not show the date this XXXX % ending date occurs. All credit card companies should have to post this date on the statement so users don't acquire any additional interest penalties. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

two fraud accounts have been reporting on my equifax credit reporting agency, i have been disputing these two accounts, but they have not been helpful at all, these were disputed few times, XXXX  and XXXX have removed these inaccuracies, but equifax is unwilling t do so and they are not cooperating. one is a XXXX XXXX XXXX account and the other one is XXXX. 
i have already sent them police report and FTC report showing that i had been a victim of ID theft, but they have been playing me around and not placing correct disputes. it has been almost a year and very stressful and uncomfortable year. please have these two accounts removed from equifax reporting. 
thank you for your cooperation
Product: Credit card

New account. Initial payment was made via electronic payment with routing number. They said XXXX number was off so they rejected the payment but did not notify me. Charged {$30.00} fee. 
Then I made the next payment via Wells Fargo Bill pay. They lost it and could not locate the payment or apply it to my account so I had to make a double payment and cancel the first payment with my bacnk. 
I closed the account after this. 
Now they are continuing to assess late fees on my account which I refuse to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to XXXX XXXX, XXXX XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The XXXX XXXX XXXX account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my XXXX report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my XXXX report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted XXXX numerous times regarding this situation but have always gotten sent back to Capital One with no success, and my good standing XXXX XXXX XXXX account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the XXXX   report. This document also shares the XXXX  XXXX XXXX.
Product: Credit card or prepaid card

XXXX  : XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, USA I have been trying to resolve the balance on my account for several months. I live in XXXX  and acquired the account to use when I visit the U.S. The problem originated by received billing ( no online payment option for XXXX  ), very close ( or at the due date ). Even if remittance was paid the same day, it did not seem to be applied to the account on time, by the due date. I consulted with my bank ( XXXX XXXX XXXX XXXX ), and was informed the best option to remit payments was to send a money order in U.S. Funds by XXXX, or other same day service. I did so not once, but twice to eliminate the balance owing. This method has not resulted in credits being applied to my account in a timely manner. As an example : I sent a money orderXX/XX/XXXX by priority mail same day service, and it was not applied to my account until XX/XX/XXXX, after the due date for the next statement cycle. The charges on my account are not for purchases but for interest, and arrears. I no longer use the account. On the last payment I noted final payment - account closed, but I am still receiving bills and the charges keep accumulating. It is a vicious circle. I even visited a XXXX  in the U.S.last summer to pay the amount in full but was told since there were penalties on the account, I could not pay in the store. I have also called XXXX  and explained the situation on numerous occasions but to no avail. I contacted the Government of XXXX Ombudsman and they directed me to your Office.
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

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

Inquires i have no knowledge of with my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

I applied for a Walmart credit card last XXXX and when I received the card I got two discount options : one was getting {$35.00} discount if I made a purchase of {$75.00} or more and the other one was getting {$25.00} discount if I made a purchase of {$25.00} or more. I've made a purchase of more than {$44.00}. This morning when I tried to pay my Walmart bill, there was no discount. The cashier kept my discount flyer with the discount bar code. He said the discount would be in my bill. Now I'm supposed to pay the whole amount because Walmart didn't give me the discount I was told they would give me! I'm really disappointed! I called the customer service and the attendant said the discount will be given in one of the next bills. How come? Now I'm obliged to use my card to get the discount!?! It's not right! The discount should be given right away! They lied to me. I would never apply for a card if I knew they weren't honest to their customers! I'm really upset!
Product: Mortgage

On XX/XX/2018 I filled out an online request on XXXX XXXX for a Home Equity Debt Consolidation Loan, and within minutes a Spokesman from Quicken Loans called me, and we started discussing a home equity cash out loan. He then connected me to a refinance loan so-called specialist who I immediately informed my situation to, and Asked him good and well ( CAN YOU HELP FOR SURE ) and I was given a yes indeed answer. I don't think he could tell I was XXXX-XXXX at that time, so I sent my personal info to him by email, and last years tax info as well and asked him to analyze before running my wife and mine Credit report as this was bery important to us as we had had some issues with a previous mortgage company and needed to know if there was a reason to go forward and therefore run our credit making a Hard Inquiry pull. He informed me that same evening that everything looked good, and he need credit report pulled to continue, now we were informed that all we needed was a XXXX credit score to qualify, and we exceeded that, so he said I will call back with interest rate and etc. to get paperwork started, but then he did call back and started that ... ... ..well we need to get credit a lil better so we may need some credit repair, this was a direct contrast Lie to what he told us, and I said we will not be doing no credit repair or pay for anything other than an Appraisal to be done, the not long after I said that, he called back telling us he can not do the Loan, even after telling us that everything was Good to Go with our initial qualification
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered an agreement with XXXX  on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed XXXX  XXXX bankruptcy, my account was in good standing. After the XXXX XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making XXXX payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a PT XXXX XXXX  and a XXXX XXXX  for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time XXXX XXXX took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to XXXX XXXX. I called XXXX XXXX at XXXX and spoke with XXXX, XXXX # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears XXXX XXXX is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, XXXX XXXX filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from XXXX and all accounts are in good standing.
Product: Debt collection

Dear Sir or Madam, I was shocked to discover that my Credit Reports were damaged by AARGON COLLECTION AGENCY located in XXXX XXXX XXXX  on XX/XX/XXXX for {$9700.00} balance for emergency XXXX XXXX  visit in XXXX on XX/XX/XXXX despite I am insured by XXXX. 
I immediately contacted the Collection Agency informing them that I was insured and they must discuss with XXXX XXXX and XXXX to settle the debt, however, they declined. I next contacted the XXXX XXXX asking to settle the debt and contact the XXXX, they declined. 
My credit history is brutally damaged and no way to fix it because both : Collection Agency and XXXX XXXX did not lift a finger to correct the mistake. 
In addition, the XX/XX/XXXX emergency visit was covered by the XXXX XXXX Founds and the Agency could send the unpaid medical bill to that Fund. 
Please investigate the Agency 's actions and ask them to immediately pullout the negative collection note posted on my credit report. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to request of unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiry that I did not Authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit file due to being a victim of identity theft. 


These items ( inquiries ) from : XXXX date XX/XX/year>XXXX XXXX XXXX date XXXX, XXXX XXXX  date XX/XX/year> XXXX ( personal loan accounts ) XXXX XXXX date XX/XX/year> amount {$49000.00} XXXXXXXX XXXX XXXX account # XXXX is inaccurate because I have not authorized nor consented these institutions to run a credit check on me or open new accounts. as well I am victim of identity theft, I am requesting that these items be removed. Per the FCRA 605 B 15 USC 1681c-2, If I didn't give authorization for these companies to run my credit or consent for these accounts it is the responsibility of the credit bureau to remove these inaccuracies from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not take into consideration that the misappropriated payments and payments not taken into consideration caused some months to be reported as late. Both Experian and XXXX XXXX the 2 companies involved here are already being punished by Federal and State agencies for their inefficiency and lack of correct customer service and support. The other three Credit reporting agencies resolved the issue without any problems, but Experian continues to defy and contribute to customer hardship and stress by taking their law into their own hands. There were several months in which I was not late on my payments and payments were not credited accordingly. I s appeal their decision that they have resolved the issue. Today I got an email from them mentioning that it was. Request that yo investigate my case more closely. 
Request to amend my complaint to discrimination and elder abuse.
Product: Checking or savings account

I just had my first check at my new job and been stolen got robbed it supposed be my rent money I need it back as soon possible before it too late
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureaus Experian and XXXX about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Mortgage

XX/XX/year>2024 was the initial application for an equity loan thru spring equity mortgage XXXX XXXX XXXX XXXX XXXX. pa. XXXX XXXX. 
8ms later no approval has been made consistent running around by this company and its loan officers. I have all emails and also email that requested for me to pay over {$3000.00} to credit cards to been amount lower and to improve credit score. I did this and still no approval for loan was told underwriter wants this done that done constant request for documents of sensitive personal info and still never received recieved approval of loan. left numerous messages with phones spoke to over 5 loans officers I have there names and emails. I requested to speak to supervisor and supervisor never responded back to me. Because of my lack of knowledge of how the process works and my last name of being XXXX origin i feel this treatment was influence by this and asking for supervisors and told them I was dissatisfied with how this has taken over 8ms and still no letter of denial or approval just constant request of documents and salary information.
Product: Debt collection

To whom it XXXX concern, I reached out to Santander XXXX in XX/XX/year> regarding the fraudulent account on my credit report. 

I provided my personal details and Santander was unable to locate any file with my name or XXXX. 

I also provided the XXXX XXXX Police Report Number XXXX I also reported this to the FTC Report Number XXXX Additionally, only XXXX has deleted this fraudulent account. 

Furthermore, Santander Did not provide me with a XXXX regarding the charge off that their reporting to my credit file. They have reported Charged off as bad debt Profit and loss write-off and did not provide a XXXX
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX