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

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of a credit report. The account Capital One account number ( XXXX ) has been incorrectly reported as a charge-off while still reflecting a balance, which is inconsistent with accurate credit reporting standards. Additionally, a past-due balance is being reported, despite the account already being classified as a charge-off. This misrepresentation is a violation of credit reporting laws, as furnishers are required to provide complete and accurate information. 

I have previously disputed this account with XXXX, but they failed to conduct a proper investigation and denied my request for correction. Furthermore, I have been informed that the CFPB has filed a lawsuit against XXXX for accepting unreliable information and failing to notify consumers of dispute results. My situation aligns with these concerns, as XXXX has neither corrected nor removed the inaccurate information from my report. 

Due to these reporting errors, my credit score has been negatively impacted, affecting my ability to secure essential financial opportunities, including [ a mortgage, auto loan, personal loan, etc. ]. I request that your agency reinvestigate this matter thoroughly and ensure that the inaccurate reporting is corrected or removed immediately. XXXX violates my rights as a consumer, as well as federal laws. 

I appreciate your prompt attention to this matter and look forward to communicating in the future.
Product: Checking or savings account

This complaint is against TD Bank located in XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX. On the date of XX/XX/2022 I called via telephone Td banks customer service to file a claim in regards to my experience with their atm. After attempting to open a dispute in person at the branch the very next day and being told by XXXX of the supervisors there was nothing she can do at the time. Saturday, XX/XX/XXXX at approximately XXXX the lobby being already closed for the evening. I deposited money into the atm closest to the window. Having already counted the money and taking all necessary steps to make a deposit. I inserted a total of {$1000.00}. Specifically XXXX {$100.00} dollar bills. I heard the machine process the funds but amidst there was a software glitch. The atm spit out my card and swallowed my money leaving the screen white with no receipt for proof of deposit printed. Unaware of what to do next I called my mother and did as suggested. 

Back to the beginning, disputing the charges over the phone. Making a few phone calls in between, with the little time I had transitioning between school, home, and employment. I would contact customer service to be reassured every time that the investigation was being handled. XX/XX/2022 reviewing my account I would notice that a deposit of what I would presume be a provisional credit of {$1000.00}. 18 days later upon completion of their investigation I would find out the credit was reversed. Leaving my account overdraft. Left to dial customer service to speak to a rep and be told a letter was mailed dated XX/XX/2022 stating my claim was denied. There was no system error found. So back to square one re-opening an internal investigation. Stepping into the branch once again. Being spoken to in a way where theyre labeling me a hoax.
Product: Credit card or prepaid card

When I applied for, and was approved for XXXX XXXX on XXXX, the Capital One website ( screenshots attached ) said New Cardmembers would earn {$200.00} off after spending {$500.00} in the first 3 months. The website also said Previous and Current Cardholders may not be eligible. I never had a XXXX XXXX card previously. 
I spent over {$500.00} in the first few days after receiving the card, and noticed I only received the regular 1 % points. 
I called Customer Service to ask why I did not receive the {$200.00} and all they could say was that the offer was not on my account. 
I canceled both of my Capital One cards ( I also had a XXXX Capital One Card ) later that day, and in the " other '' section noted the reason of " did not receive XXXX intro bonus XXXX  XXXX '', as well as checking boxes for " rewards '' and " customer service '' as reasons for canceling. 
Something told me to XXXX Capital One XXXX XXXX later that day, and I noted a new page for XXXX  XXXX, which had Columns for Good Credit, and Excellent Credit. My credit score at the time of applying was XXXX which is only Very Good. The Good column said 29.99 % interest and no intro bonus. The Excellent Column had the {$200.00} intro offer.
Product: Debt collection

They claim that I have a open collection account. How is this possible if the collection have been since 2012??? I also ask this collection company to show or go of validation of this debt in its original form, showing my sign signature with the original inbebtness contract in its original form. They never show proof XXXX  I also have confirmation from taxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is trying to collect for a account from the year 1995 and is still trying to resue me and has stated that they have proper response to serving me the acct info and that isn't true because I have never received any paperwork on this acct. Then they company is changing the name Everytime they re-enter the judgement against me in the court order totally different court case numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit card or prepaid card

A week or so before XX/XX/XXXX, I received a Capital One Quicksilver offer " Because you're a valued Capital One customer .... '' The offer : " A {$2200.00} ONE-TIME CASH BONUS when you spend {$500.00} on purchases within 3 months of your account opening. '' Within days of receiving my card, I charged {$2500.00}. About 2 weeks later, I called Quicksilver to ask if the {$200.00} cash bonus would be applied to my current statement due XX/XX/XXXX. That's when the runaround began. I was told I would receive a letter via USPS in answer to my question. As of today, XX/XX/XXXX, no letter. Today I called Quicksilver. I spoke with XXXX XXXX who simply said the offer would not be granted because I already held a SPARK Business card. When I accepted the offer via phone ( and I'm told calls are recorded ) I was very clear to tell the Agent that I already had the Business card. The hard copy offer I received does say " Because you're a valued Capital One customer .... '' Later, I called to speak with a Supervisor : XXXX XXXX who is a master of runaround. I have a hard copy of the offer and, I receive a similar offer via email daily. The current offer has been updated. It takes a few pages to see how a customer could be disqualified. I believe I have been misled and should receive the {$200.00} Bonus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ACCT : XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Checking or savings account

Dear Sr, My name is XXXX XXXX ; I have try more then once to open a basic checking account with CITIBANK N.A. in the State Of Florida and I has been declined, I don't know why. The request has been for a joint account with my wife XXXX XXXX. I feel discriminated by this bank Institution maybe do to my financial level. I like to have a explanation and see if my thinking is correct.
Product: Mortgage

I received a letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. Quite frankly I am sick of dealing with this on a repeat basis. It is beginning to feel like harassment based on incompetence. I simply want to be treated accurately and fairly from this point forward. I have attached the copies of the letter they sent me ( in error ) and copies of cancelled checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

TEK-COLLECT INC XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my XXXX  credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " Tek collections '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks
Product: Debt collection

I received a call from AD ASTRA RECOVERY SERVIC about a debt I was not aware of. It does not belong to me. When i questioned the man on the phone he began yelling at me, telling me I was using COVID19 as an excuse not to pay debts, told me I was a XXXX and low life and people like me are the reason for problems today. I am not sure what the debt it for as t does not belong to me. I have tried to get information from the three credit bureaus as well as the agency direct. The credit agencies don't seem to address my issues with the profanity and lack of communication, nor with the premise this debt does not belong to me. The creditor has not responded to two letters I sent asking for written information about this debt. They have previously called several times a day starting at XXXX XXXX and continues every hour or so until about XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX     2017  - I went to  Union  Bank in  XXXX   XXXX , CA and wired {$1000.00} to a bank overseas. The company that I sent it to never acknowledged that they received it or gave me credit of it. Wit h in two we eks I contacted the Bank and stated that the company i sent the money to has n't acknowledged it and that I have proof. They checked twice with the sending bank ( B of A ) and then did a trace - every time they checked - I had to call them too see if they had discovered where my money went - each and every time that stated we ca n't get an answer back from the receiving bank.   I then went to the  XXXX   XXXX  branch of  Union  bank - they out a trace on it - same thing - after an unbelievable wait - no one can find the money - the receiving Bank does n't respond - each and every time I have had to call them - they do n't call me. On or about  XXXX   XXXX     2017  I called the Ban k Manager  at the  XXXX   XXXX  branch -  XXXX  - and stated that if I did n't hear from him in a couple if days I wold file a complaint with you. Today he calls me and states that the office of th e President will be looking into it and someone will get back to me. When I asked him what will they be doing it turns out   that they are going to do the same thing all over again for the third time hoping for a different out come - unbelievable stupidly or hiding th eir screw up.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against the Three Major Credit Bureaus for Violating Privacy Rights and Defaming Credibility Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit bureausEquifax, XXXX, and XXXX violations of my privacy rights and actions that have defamed my credibility. 
Over the past several months, I have noticed significant inaccuracies in my credit reports issued by these bureaus. Despite multiple attempts to rectify these discrepancies, I have been met with inadequate responses and a lack of effective action. This negligence has not only compromised my financial standing but has also caused undue stress and inconvenience.

The specific violations of my privacy and defamation of my credibility include : 1. Unauthorized Sharing of Personal Information : There have been instances where my personal information was shared without my explicit consent, leading to unauthorized inquiries and potential identity theft.

2. Inaccurate Reporting : The bureaus have reported incorrect information regarding my credit history, including but not limited to incorrect account statuses and payment histories.

3. Failure to Correct Errors : Despite providing documented evidence of the inaccuracies, the credit bureaus have failed to correct my credit reports promptly. 
These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my personal and financial well-being. I urge the Consumer Financial Protection Bureau to take immediate action against these credit bureaus to enforce compliance with federal laws and protect consumers like myself from further harm. 
I am seeking immediate rectification of the inaccuracies in my credit reports, as well as compensation for the damages caused by these violations. Attached are copies of my correspondence with the credit bureaus, along with supporting documentation. 
I appreciate your attention to this serious matter and look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  CHIME - XXXX XXXX  Reported : XXXX XXXX, XXXX These reporting errors on my credit, with SS ending in XXXX. These reports are false and incorrect, I want them removed as they are a violation of my fair credit report act. 
I have no knowledge of them nor did I apply or select those services. These are a violation of Section XXXX23 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute and The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
As I am requesting these inquiries to be removed properly in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry that has recently appeared on my XXXX credit report. Upon reviewing my credit report, I noticed an inquiry from Bank of America XXXX XXXX XXXX I did not authorize this inquiry, and I am concerned about the potential impact it may have on my credit score. 

I have not applied for any new credit or made any inquiries with Bank of America ] during the time period in question. Therefore, I believe this hard inquiry was made without my permission. I have also taken steps to ensure the security of my personal information and have not shared my details with any unauthorized parties. 

I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report, as it is negatively impacting my credit score and may be indicative of fraudulent activity. 


I also request that you provide me with a written explanation of the outcome of your investigation and the actions taken to rectify this issue. 

I am confident that with your assistance, we can resolve this matter promptly and restore the integrity of my credit report. Thank you for your attention to this dispute. 

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

I spoke with barclays in XXXX and XX/XX/2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Product: Credit reporting or other personal consumer reports

Please look into my claim in compliance with Fair Credit Reporting Act regulations. Please remove any unauthorized inquiries you identify as soon as you can, and provide me a copy of my updated, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Barclay Bank in regards to my new gold luxury card stating that I would fall under their SCRA benefits for the duration of my XXXX XXXX service ; however, on XX/XX/XXXX, I received a letter stating that because I opened my card after my XXXX XXXX start status that I would no longer be under SCRA benefits. As a current XXXX member I should still be under SCRA benefits. I was told that they are switching their policy on me and they will no longer waive annual fees for me as they originally intended.
Product: Debt collection

Portfolio recovery bought a bad debt that was made by another individual to XXXX using my credentials. Tried to correct this with XXXX  to no avail and decided just will not pay the claim. Portfolio reps have been calling me after I repeatedly asked them to cease calling me to collect and they have made threats of all kinds. I am a XXXX   veteran with XXXX and live on very little money. I will not tolerate this much longer from these individuals.They have called consistantly from XX/XX/XXXX through XX/XX/2018 which is today on my cellular number. This has to stop NOW!
Product: Mortgage

XX/XX/XXXX -- -I closed on my home, mortagage paid in full with XXXX XXXX XXXX They charged me a month 's mortgage after it was paid in full through the automatic withdraw I set up with the loan. I called XXXX and was told that the payoff happened at an unfortunate time before automatic payment could be discontinued. When I asked my it is not part of their process to immediately stop autopayment when a loan is paid off, no one could answer my questions. I was told and then sent an email verification that the mortgage payment that they should not have pulled would be coming with my escrow check in the mail in XXXX business days from closing. 

XXXX XXXX-No check has arrived in the mail. I called XXXX and was put on hold an disconnected XXXX times and each time, the person could not assist me and I was re-routed back in the hold system as if I was calling for the first time. The last person I spoke to let me know that she saw that the funds were not released from escrow yet and that they have a policy that stipulates that funds are not released until XXXX business days have passed. I let her know that I was told different and had an email that said otherwise. I asked her why they kept escrow funds for so long since the official transaction is over and releasing funds to the rightful party should not take that long. She did not have an answer for me regarding timing or why. 

I also let them know my address multiple times and I decided to verify in my last call. Sure enough, after giving my new address to them multiple times, they did not have a complete address on file so the escrow check would not have made it to me even if they did mail it in a timely fashion. The customer service reps were respectful, but incompetent -- -not able to assist me on a simple matter. 

I would like to file a complaint against XXXX XXXX for wrongfully charging me mortgage payment, unnecessarily delaying final payment of/withholding escrow funds, and not being able to answer simple questions regarding the refund I should rightfully be receiving.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts on my credit report. I am requesting to have the disputed accounts immediately removed from my credit report, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I used cash app to sell my camera, the funds never showed. Cash app then demanded more money. I still have not received any fund due for the sale of the camera
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested In processing disputes on my credit report to delete an report all inaccurate information that needs to be delete to correct my file. ive noticed alot of errors that are hindering my credit report an Needs to be removed asap. please review an delete all items listed to correct the file asap.