23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I provided capital one a detailed description stating boss XXXX XXXX XXXX XXXXXXXX car rental scammer was supposed to refund me a {$5000.00} deposit for a car rental. Capital one replied with, '' At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. 

I literally detailed out why I was due a refund for the XXXX with time stamped photos, text messages, and pictures of the returned vehicle with no damage. Capital one is refusing to purse the case and has informed me I need to, '' If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX to XXXX XXXX XXXXXXXX, seven days a week. '' I obviously have tried to work it out with the merchant but they are refusing which is why I filled the dispute.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at Lending Tree. 



These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts be BLOCKED AND DELETED immediately. 

TransUnion XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information. 

PERSONAL INFORMATION : The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Product: Credit card

I have a Synchrony Home account, and I am disputing my current balance because it does not align with the payments I have made. Here is the situation : In XX/XX/XXXX, my account balance was {$660.00}. 
In XX/XX/XXXX, I added a promotional purchase of {$670.00} with a 12-month no-interest period, bringing my total balance to {$1300.00}. 
Since XXXX, I have consistently made minimum monthly payments ( approximately {$30.00} {$35.00} each month ) and have paid {$610.00} toward the promotional balance. As of XX/XX/XXXX, I only owe {$65.00} on the promotional purchase. 
However, my total balance as of XX/XX/XXXX is {$810.00}, which is higher than my XX/XX/XXXX balance, despite having made the following payments : {$610.00} toward the promotional balance ( leaving only {$65.00} remaining ). 
Minimum payments on my previous balance every month. 
The numbers do not add up. After paying off almost the entire promotional balance ( {$670.00} ), my remaining balance should be {$640.00} at most ( subtracting {$670.00} from {$1300.00} ), assuming no additional purchaseswhich I have not made. Despite this, my current balance is {$810.00}. 

I also see no noticeable decrease in my balance from the minimum payments Ive made every month. While I understand that most minimum payments go toward interest, there should still be at least a small reduction in my balance over time. Instead, I am seeing the opposite : an increase in my balance. 

To clarify, I destroyed this card earlier this year due to repeated issues with XXXX, and I have not made any additional purchases. There appears to be either a significant error in how my payments are being applied or inappropriate charges/interest being added to my account.
Product: Mortgage

When initially engaging with Cardinal Financial, I was introduced to an agent named XXXX who provided detailed information about my loan and the process involved. Unexpectedly, I was later transitioned to XXXX, who contradicted XXXX 's information and could not locate any of my information and files that I had sent in previously, resulting in discrepancies in numbers and procedures. This led to unexpected expenses on my part. The underwriting process became problematic, with her delays in requesting necessary documents and re-requesting documentation that had already been sent in but waiting until the end of business days to request such items, leading to setbacks in the build process and additional stress. Despite attempts to address concerns with XXXX, communication ceased, and subsequent interactions with his XXXX, XXXX, offered limited resolution, despite acknowledgment of mishandling and misinformation. 

When attempting to make my first payment, Cardinal Financial initially couldn't locate my account, attributing it to my temporary CO status and pending fund disbursement. Following further investigation, they confirmed the correct payment amount. However, I later received a notice of non-payment for XXXX ( although paid the amount they stated ), with explanations for the discrepancy varying. Subsequent inquiries yielded inconsistent information about the required payment, with fluctuating amounts and confusion regarding fund availability. 

Attempts to clarify matters with a supervisor were met with unhelpful responses, including abrupt disconnection during calls. Consequently, I remain uncertain about the correct payment amount to avoid credit reporting issues. Online payment attempts have been unsuccessful, with the system only accepting an incorrect amount, exacerbating the confusion and frustration.
Product: Credit reporting or other personal consumer reports

In 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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Bank : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

My wife and I had a joint CD at Marcus Goldman Sachs bank. We provided instructions online to close the account on maturity, XX/XX/year>. We also received an email from Marcus Goldman confirming the instruction given on our online account. On XX/XX/XXXX, the funds were still not transferred to our external account. Calling the bank every day since and they only give me the run around. They said the transfer failed due to their fault, but would not allow us to speak to the department that is in charge of the transfer and each day we have only been told that the department with no name and no way to reach is still working on it. I have called each day and have spoken to both customer representatives and supervisors and have been told that there is no one else to speak to. As of today 's call to Marcus Goldman Sachs there is no resolution to the problem and only answers like they will call today, or in 1-2 business days or maybe in 5 business day. Not one customer representative has expressed the problem, only that the transfer of funds was the fault of Marcus Goldman. I have also sent a letter to Marcus Goldman, a XXXX XXXX XXXX XXXX, there is no email available or complaint department to call outside of their main XXXX.
Product: Money transfer, virtual currency, or money service

Paypal permanently limit my account im been using my paypal account since 2018 but sad to now they block my account i have XXXX usd XXXX my available balance and i can't widraw my fund because of this limitation. I really need to restored my account for to able to continue and to widraw my remaining fund. I have an evidence screenshot that they permanently limit my account together with the proof of my balance.. 
Thank you..
Product: Credit reporting or other personal consumer reports

Dear Self XXXX, Equifax, and XXXX, I am reaching out regarding inaccuracies on my credit report associated with my Self Lender account. After reviewing my credit in XX/XX/year>2024, I was surprised to find late payments reported for XXXX, XXXX, and XXXX of 2024 on my XXXX XXXX savings account. This account was specifically opened to build positive credit, yet these inaccurate entries have negatively impacted my credit score. 

I promptly filed a dispute to receive detailed explanations and evidence supporting this late payment claim. However, despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ), it has been over 40 days, and I have yet to receive the required documentation. Instead, the account status continues to update inaccurately. According to FCRA, Section 1681i, credit reporting agencies must investigate disputed information promptly and notify the consumer of their findings. The absence of such documentation violates this legal requirement. 

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, I am protected from incorrect billing. Given that I have not received a physical loan from XXXX XXXX and only made monthly savings contributions of {$48.00}, these late payment reports appear to be unfounded and misleading. The inaccurate reporting of this account as late violates both my consumer rights under 15 U.S.C. 1681i and 15 U.S.C. 1692g, which require accurate and fair billing and reporting practices. 

I respectfully request the immediate deletion of this account from all credit reporting agencies. In light of our prior good-standing relationship, I also request the removal of any associated late fees and a correction of these inaccuracies on my credit report. I trust we can resolve this swiftly without further escalation, allowing me to continue a positive relationship with your organization. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

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

In 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. 

Account name : XXXX ACCT # XXXX, Account Name : XXXX ACCT # XXXX Account name : XXXXXXXX XXXX  ACCT # XXXX, Account Name : XXXX XXXX XXXX ACCT # 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: Checking or savings account

I have not been able to touch the money in my account for about 3 months they have held it and will not let me touch it, this is a checking account. There was fraud with XXXX on my account that they figure out and are holding my funds still, I asked to close my account and they will now. I am pleading for help I have almost {$2000.00} in there that is stuck because they are saying its up to them When the can release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I was laid off and wasnt starting a new job until end of XX/XX/2017. I contacted capital one to inform them I had been laid off and to ask about a hardship program or assistance for months XXXX and XXXX until I can get back on my feet. They informed me since my account was current I couldnt get in a hardship, but once my account went without a payment I could. My account missed XXXX payment but I made that next payment for XXXX. I was promised that my account wouldnt report delinquent to my credit report due to me calling in prior to get help and resolution. I did get a 30 day delinquency on my credit and when I contacted capital one about this they informed me they could not locate the recorded call and there was no notes on my account. I reached out to the CEO via email and they were not empathetic or caring about the situation. I have no other delinquencies on my credit other than this one and have had the hardest time getting this removed. I even paid a company to try and get it removed and had no luck. Im to the point of being fed up with the insensitivity of this company and will never do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Phone Phone number not available Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX
Product: Debt collection

Back on XX/XX/XXXX I informed Synerprise that the account that was showing my credit report was not one that I acknowledge or knew of and that I needed all information. On XX/XX/XXXX Sypriseprise wrote back via CFPB portal informing that the account was being deleted from my credit report yet it is still there. However, after further investigation I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs,  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as  possible.
Product: Credit reporting

I received an alert from my credit monitoring service that I had an account placed in collections, which I knew was inaccurate because I have no accounts which are delinquent. I contacted the collection agency about the alleged debt, and they refused to advise who the original creditor was, so I sent them a dispute of debt validity via certified mail. After that, I disputed the information with one of the other credit bureaus, which, after reviewing the information, agreed to remove it and promptly did so within XXXX hours of my contacting them. 

Equifax, however, has refused to remove this information, despite the fact that after repeated contact with the collection agency, I discovered who the alleged original creditor was, and they even confirmed that this alleged debt ( from XXXX and a XXXX years ago ) did not exist and that they did in fact NOT send it to collections. 

This information needs to be removed immediately and I have disputed it twice now with Equifax to no avail, despite the other CRAs acknowledging this information is indeed erroneous.
Product: Checking or savings account

My Wells Fargo bank check dd XXXX XXXX, XXXX {$30000.00} after I delivered to post office inside at XXXX XXXX XXXX on XX/XX/XXXX check was stolen and altered payee from XXXX XXXX XXXX Tax collector to XXXX XXXX and cashed at XXXX XXXX  in XXXX TX and paid from my acct on XX/XX/XXXX. I found it on XX/XX/XXXX after I received penalty notice from the county Next day I reported to my bank. WF bank said it's my responsibility to review my statement monthly and claim within 30days. I had complained to bank many months they stopped monthly statement. WF bank stopped and even I repeatedly request paper statement like before ( I am over XXXX yrs old and prefer only paper statement ) they recognized my acct has online and paper but they never sent. On XX/XX/XXXX I called customer service and they told me they will send it in 2 packages for personal and business and they mailed me only business statement in XXXX XXXX, XXXX i had never received XXXX XXXX statement and WF bank doesn't show the copy of the check. I checked my balance and asked the teller to check $ XXXX check to tax is paid or not in XX/XX/XXXX and she said not worry it's paid. It was paid as forgery. This teller and cutomer service on XX/XX/XXXX both didn't recognize the check was altered. WF bank never investigate and help me. When I claimed on XX/XX/XXXX WF acct specialist told me not to worry it will be reimbursed by bank in 2-3 weeks. XX/XX/XXXX after 15days later I originally claimed I found it out they decided not to pay me after I claimed reply which WF said answer in 7-8 days. Nothing they can do said per branch manager. 
I am very very upset to their service. I don't know what to do. WF said alter check is 30days limit to claim. I was never given 30days disclosure since acct was opened. My new account booklet which I held over 10 yrs said only 60days after statement was delivered which is my case. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to TransUnion regarding accounts XXXX XXXX XXXX and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted TransUnion on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX  XXXX XXXX XXXX, PA XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. TransUnion is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.
Product: Checking or savings account

Was reviewing my wells fargo online accounts onXX/XX/21 and noticed my checking account was closed on XX/XX/21. I called the bank who couldn't say for sure but they think the account was closed for inactivity. I was told there resolution department would reach out to me which hasn't happened. My last transaction was XX/XX/21 but I believe the bank closed it so I wouldn't benefit from the free checking account which isn't being offered anymore. This is simply there way of forcing me to open a new checking account with a monthly fee.