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

LAST WEEK I WAS MADE AWARE OF XXXX FRAUDULENT, REVOLVING CREDIT CARD ACCOUNTS BEING REPORTED ON MY CREDIT PROFILE : XXXX, EQUIFAX XXXX XXXX. I CALLED THE AGENCIES THEMSELVES MULTIPLE TIMES RE : THIS MATTER AND WAS ADVISED TO APPROACH THE CREDITOR THEMSELVES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I FOLLOWED SAID INSTRUCTIONS TO THE TUNE OF MULTIPLE CALLS ALSO. BOTH XXXX XXXX XXXX XXXX XXXX XXXX CONFIRMED THAT NEITHER ACCOUNT WAS ASSOCIATED WITH MY NAME OR SSN : THEY ASSURED ME OF THAT MULTIPLE TIMES & SENT OVER DISPUTES FROM THEIR RESPECTIVE OFFICES. I THEN CALLED THE REPORTING AGENCIES TO CONFIRM RECEIPT OF THE DISPUTES AND THE RUN-AROUND HAS BEEN AN ABSOLUTE BURDEN. THE AGENTS ADDRESS ME AS IF THEY'RE THE VICTIM & FURTHER CONTEND THAT I, THE CONSUMER & VICTIM OF THE NONSENSE THEY'RE REPORTING, SHOULD BE THE XXXX CONDUCTING THEIR JOB OF INFO GATHERING & VERIFICATION. THE AGENCIES HAVE A DUTY TO PROVIDE FAIR & EQUITABLE REPRESENTATION AND DUTY TO CARE FOR OUR PERSONAL INFORMATION. TO DATE THAT HAS NOT BEEN DONE. I DESERVE TO HAVE MY INFORMATION REPORTED CORRECTLY. 

FURTHERMORE, THERE ARE ADDRESSES, PHONE NUMBERS, EMPLOYMENT INFORMATION, AND HARD INQUIRIES BEING REPORTED. THERE ARE NUMEROUS ERROS AND I'VE GONE IN CIRCLES TRYING TO SIMPLY GET SOMEONE ON THE LINE THAT DOESN'T HAVE A LANGUAGE BARRIER OR IS JUST MORE INTERESTED IN THEIR TALK TRACKS AND RUSHING ME OFF THE PHONE VS. GETTING THE DISUTE CORRECT FROM THE START. ITS INCOMPETENCY AT BEST OR THEY SIMPLY DON'T CARE. EITHER WAY ITS UNACCEPTABLE.
Product: Checking or savings account

Capital One has not released my direct deposit payroll check with a pay date of XX/XX/year> due to their system outages. There is no update on when these funds will be released. My car payment will be returned because of this issue. My balance is negative and Capital One keeps emailing me about how to add money to my account when this is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Hard inquiries on my report that i did Not authorize at all! 

XXXX - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 Equifax XXXX XXXX XXXX XXXX
Product: Checking or savings account

American Express closed my 2 savings accounts that I had <30 days ( without ANY incidents ). I received an email requesting me to complete a form and submit a copy of my Social Security card and both my accounts will be restricted until I called them. I complied. When I spoke to the " back office/Fraud Dept '', I was told I had to verify ownership of my linked bank account. While in the middle of the three-way call with the bank, I was disconnected from call. I tried calling back for well over an hour with customer service unable to connect me back with someone from the back office/Fraud Dept. When I finally did speak to someone from that department, I was informed that they reviewed my account and decided to close both my savings accounts. When I asked how I'd receive my remaining funds in my accounts? I was told the ONLY way I could receive those funds is by having the original bank ( where the money came from ) transferred back and then THEY would give me the funds back. I stated that account was now closed, and I didnt want the money to go back to that bank regardless and I wanted remaining funds to go to my linked bank ( with verified ownership from earlier ) but I was told no and told it was a banking law. Bottom line, the only way to get MY money back was by going through orig ( closed ) bank where funds orig came from and not by american express where money was deposited ( prior to closure ).
Product: Credit card or prepaid card

On XX/XX/2021, I purchased appliances from Lowes. They suggested that I open a Lowes store card ( serviced through Synchrony ) to receive 20 % back from the purchase ( {$100.00} maximum, which I met because my purchase was over {$1000.00} ) back from the purchase and 5 % savings on all other purchases. I was planning a few more major purchases, so I signed up for the credit card. I was approved fairly quickly, but then they had issues printing my temporary credit card so that I could use it to make my purchase and receive the {$100.00} back. The store was on the phone with representatives from the credit card company for over an hour trying to get the temporary card printed for my use. They were unsuccessful and I had to forgo the additional savings and use my everyday use credit card. 

On XX/XX/2021, I set up access to use my Lowes credit card online. I noticed that my overseas number ( I work in government ) was auto-populating, even though I never provided that number. I ignored it and I made my first purchase with my Lowes credit card. It was an order online, pick up in store purchase. I noticed on the receipt that they only gave me 5 % off the order, not the {$100.00} off the order ( this was another purchase of over {$1000.00} ). When I went to the store later that day, I made additional purchases while I waited for my larger, order online, pick up in store purchase. When I tried to use my Lowes credit card, the clerk told me that my Lowes credit card was declined. He said that he did not know why. I completed the purchase with my everyday use credit card and went to pick up the online order.

The online order payment was also declined due to fraud concerns. I was told by the store that I needed to call the credit card company to sort it out. I spoke with 3 people. The first explained to me that making multiple purchases in one day flagged my account for fraudulent activity. The second, who claimed his name is XXXX, told me that I need to verify my identity by taking a video of myself. sending a photo of my identification, and calling back with the approval. The last woman I spoke to claimed that her name is XXXX and said that I would need to wait for a letter in the mail, which will request that I send them identification and other documentation. 

If there was suspected fraudulent activity on my account, I should have been contacted immediately and made aware of the activity. I should not have been made to wait in Lowes for over an hour and have my purchases declined. When I needed to verify my identity, I should have been able to show it to someone at Lowes, not made to send a selfie video to people located who knows where, who didnt even notify me that there were concerns.

So, I was encouraged to open a store credit card and I have been unable to use it. The only impact that opening this store card is to lower my credit score, raise my XXXX XXXX, and waste hours of my time ( plus now having to wait auntie next week for items that I needed the next day, that will now delay my home project because the supplies are limited ).
Product: Checking or savings account

I was scammed by a company thinking I owed them for my vacation. They came up with bogus fees related to my vacation. Once they had my information and charged my account I immediately tried contacting them with no answer. Ive tried multiple times since. I then canceled my debit card and called Truist to file a dispute. They investigated it and denied my dispute. I have had zero help from Truist in order to try and get my money back. I have called sent emails multiple times and get the same response every time. Please help. I have receipts and documents stating that others have been scammed by this same exact scenario by the same people or company
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be corrected immediately. 

XXXX XXXX XXXX Balance Owed : {$700.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX XXXX XXXX Balance Owed : {$22.00} - You are reporting DELETED data from other bureaus or accounts. FCRA mandates that reporting be XXXX percent correct or that the account be IMMEDIATELY REMOVED. 

XXXX XXXX Balance Owed : {$0.00} - This account should not be showing the current status of 30 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was activity on the account last. 

XXXX XXXX Balance Owed : {$0.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, latest activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this damaging data right away. 

XXXX XXXX Balance Owed : {$1400.00} - By updating the information provided, evaluate this reporting. Why is there a {$1400.00} balance showing if it is a charge off account when a charge off account should have a balance of {$0.00}? Please put a quick end to this false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went under covid-19 hardship assistance program and company sent email of policy under program. The program stated that 2 months skipped would be granted and I will resume where I left off when I started hardship assistance on XX/XX/2020. I was 9 days past due when I went under program and on XX/XX/2020 I would resume at 9days past due, on XX/XX/2020 company reported on my credit report 30days past due, I made payment on XXXX XXXX which would make XX/XX/2020 payment 15days past due, I called reps at company and I was told different explanations at different times. Per policy I accepted I am not considered 30days past due I have paid loan in full and have reached out multiple times for correction, Upstart loans had reported on XX/XX/2020 30days past  due as well and had corrected it becasue I was under hardship program I was told not to worry about it happening again which it did. My desired resolution is to have negative reporting removed and an investigation into other customers that might be facing the same unethical reporting, I only accepted hardship assistance because of reassurance under there written email I received from them.
Product: Credit reporting or other personal consumer reports

These accounts dont belong to me. I dont know why theyre on my credit profile. Theyre not supposed to be. I have no knowledge of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken to  XXXX  hospital after telling ambulance driver to take me to VA. I did not know that  XXXX  and   XXXX   XXXX   XXXX   had sent me to a collection agency that had sent me to the credit bureau, until I was trying to refinance my home. I had gone to these companies, (  XXXX ,   XXXX   XXXX   XXXX    ) a nd showed them that I was a veteran they made a copy of my VA card and I told them to bill the  VA. thi s has been going on since   XXXX   This bill would have been paid by the VA if they had sent the bill. to this day they have not sent them a bill. I was told by  XXXX . the man that pays for non VA hospital stays, told me He could n't pay a bill if they did n't send him a bill. I took the charges on my credit report. and some bills that I later got from the collection agencies. I have also contacted  Congress man   XXXX  's office. I did everything I had to do. The hospital and   XXXX   XXXX   XXXX   should have billed the VA instead they ruined my credit.   Please help Thanks   XXXX   XXXX   XXXX
Product: Debt collection

I have sent several disputes regarding this matter, and I am being disregarded. This company is listed on my credit report twice and reporting inaccurate information. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX I filed a complaint with your agency # XXXX. Newrez LLC responded with the acceptance of their errors leaving me unprotected for over a year on mandatory flood insurance by not paying the renewal bill and taking the expired flood declarations policy and updating it in their system as current which in return they never acknowledged the policy was expired due to an error they made. They said they would provide me with a flood policy since now Ive lost my grandfathered status with femas XXXX flood policy which was {$2200.00} in XX/XX/XXXX and {$2200.00} in XX/XX/XXXX. They purchased a policy while they had all my flood monies in my escrow account and have charged me {$5300.00} XX/XX/XXXX and now monthly starting XX/XX/XXXX {$290.00} additional as well as {$290.00} XXXX more times in XXXX and XXXX as well as {$680.00} again in XXXX for more flood insurance charges then XX/XX/XXXX it will be additional {$380.00} a month for flood. Newrez LLC caused this by not paying for my policy that was only {$2200.00} a year and now since my policy was lapsed for a year XXXX cant get a new policy for the same amount of coverage which theres is only for {$250000.00} for structure no contents covered which we had contents up to {$100000.00} and we cant get a policy for less than {$8200.00}. Newrez is making our home unaffordable from no fault of our own and we are devastated by this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information in Credit Report Number XXXX To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account Thank you for your prompt attention to this matter. I expect a response within the 30 days allowed under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My friend and I both have coinbase accounts. He gave me the corresponding email linked to his account so I could send him some ethereum, but he had n't realized he gave me the wrong email ( he gave me XXXXXXXXXXXX address when he XXXXXXXXXXXX address ) until after I had sent the transaction. The email that the transaction was sent to was not a valid email/not in use at this time. So, my friend created the gmail account and corresponding coinbase account to retrieve the funds, but they were n't there either. My account shows the transaction as Complete, but when running a report of my transactions it does not provide a transaction id. Spent an hour & a half on hold before getting ahold of support and when I told the guy that there is no transaction id and it 's like the funds disappeared into thin air he just said " Yeah, I do see that, that is weird. '' Then he just hangs up on me! I 've sent emails to all support staff email addresses that are publicly available. I 've tried contacting them via their XXXX support, their individual employee reddit accounts, posting on their subreddit and no one is replying in order to resolve this issue. I do n't have my funds, my friend does n't have my funds. 

So, to summarize, I XXXX ETH to that XXXX account on XXXX/XXXX/XXXX XXXX AM. It shows as XXXX in my account and the funds were deducted from my ETH wallet. They have not arrived in my friend 's account or the account of the gmail address. No transaction id exists for the " XXXX '' transaction. Was told by phone support " That is in fact weird '' and hung up on. 

Previous Case # s from attempts at getting support via their email system XXXX & XXXX. 

XXXX 's solution was " Reasons your transaction might be pending can be found here. 
Known delays and further information can be found on our status page. '' Which I already knew and had explicity stated that the transaction was already displaying as COMPLETED, plus there is no sign of a transaction id. 

XXXX 's solution was " If you sent digital currency from your XXXX account to an email address by accident, your funds will be returned to you in 30 days if the funds remain unclaimed. If the email address has not already been claimed, you could do so to ensure the funds are returned to you. '' Which I already knew and had explicitly stated I wanted to get MY funds back sooner than having to wait the 30 days. Since there is no transaction id I 'm left to believe that the funds are being held by coinbase. 

As it stands right now they 've stolen this money as far as I 'm concerned ; hence, why I 've decided to make this report.
Product: Credit reporting or other personal consumer reports

I have been trying to correct errors on my credit report for months now and XXXX finally removed a Discover account, then added it back without notifying me. Discover has yet to provide the validation documentation I requested .... which includes proof that every single statement was sent TO ME within 21 days of the due date. I don't believe they did this, if they had I could've caught it earlier.
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash, and I have called the customer service representative many times to solve the problem. Please CFBP help me! thanks
Product: Credit card

I notified Discover, after my XX/XX/XXXX statement, that I had only charged {$6.00} on a tip, on XXXX 's XXXX. This was charged on XXXX. This is the XXXX 's located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
Discover gave me a conditional credit which they reversed because XXXX 's said this was a valid charge. 
I talked to a female assistant manager around XX/XX/XXXX and finally talked to XXXX XXXX, the store manager. I explained that my friend, XXXX XXXX, paid for the bill with his gift card and he left {$20.00} in cash on the table. I told my friend that the tip off the {$20.00} would n't be enough so I was kind enough to leave a tip on my Discover of {$6.00}. That is ALL I left. XXXX 's charged me {$23.00}, of which I did NOT authorize. It even says on the receipt that {$6.00} was paid, the word paid was not next to any other line, and it should not have been because I only authorized {$6.00}. XXXX should talk to the server, XXXX XXXX, and ask what happened to the cash on the table. They have to keep a record of their cash receipts so I believe there would be an anomaly if XX/XX/XXXX receipts were audited. I had always been a good customer at XXXX 's before this incident. I told XXXX that the IRS would be interested to know of XXXX 's tip policy. It seems like their servers are pocketing extra cash, not reporting it to the IRS, and allowing the XXXX to rip other consumers off with misleading and confusing charges on their kiosks ( XXXX ). I am holding XXXX partly responsible because they program their kiosks to mislead customers at these restaurants. XXXX said he would kick the matter to his Corp. dept. and let me know. XXXX would not refund their erroneous charge to me. I was very polite and did not raise my voice the whole time. 
I e-mailed XXXX on XX/XX/XXXX but he had not responded. 
I do n't want XXXX 's to do this to other customers and XXXX should review their programming to not take advantage of consumers. 
I spoke to me friend XXXX XXXX on XX/XX/XXXX, and he said exactly what I said about payment. He needed no coaching and he is willing to be a witness on this matter.
Product: Credit card or prepaid card

On XX/XX/19 I got online to pay my Kohl charge card and saw that I was past due I called Kohls spoke to a supervisor initials XXXX who informed me I had cancelled two payments. I told her I never cancelled any payments she stated I had to reach out to my bank and get that rectified.and If I paid {$110.00} I would be caught up. I paid the {$110.00} and then on XX/XX/XXXX I see my account is past due {$150.00} I said what is going on. I called Kohls again spoke to XXXX ID # XXXX who told me the call didn't have to be monitored because account was due for XXXX and XXXX. to send the letter to XXXX XXXX  XXXX XXXX Wisconsin but they would not be able to take 30 days off because it was valid. I was given false information I have never been 30 days late and now this has affected my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiedable accounts unresolved. The Consumer Fibacial Protection Bureau ( CFPB ) has recently filed a lawsuit againist Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, acceptin unreliable reponses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neith corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experia 's inaction violates federal law and my rights as a consumer.