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

This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with XXXX, XXXX and TransUnion. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with XXXX, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.
Product: Student loan

I am signed up for auto-pay on my student loans ( actually my wife 's student loans, but I take care of our finances ). Each month, on the XXXX, {$210.00} gets deducted from my bank account for student loan payments. Most months, I then go in and manually make an extra payment of varying amounts. For example, in XX/XX/year>, {$210.00} was taken from my account for auto-pay, then I manually paid an additional {$230.00}, for a total monthly payment of {$450.00}. In XX/XX/year>, I paid the same auto-pay amount, and then manually paid an additional {$580.00}, for a total monthly payment of {$800.00}. Since XX/XX/year>, the auto-pay payments have been taken out of my bank account as scheduled. However, those auto-pay payments are not being reflected on Mohela 's website, nor are they being taken off of our total balance. I have called numerous times to fix the issue. Each month, they ensure me that they're working on it, and moving forward, the payments will show up on time. That never happens, though. 

To date, the issue is still unresolved with the exception that XXXX and XXXX 's auto-pay have been fixed and are now showing. However, XXXX through present 's auto-pay payments are nowhere to be found. I have even tried dis-enrolling and re-enrolling in auto-pay in hopes that would fix the issue, but no luck. 

The manual payments go through without an issue every time, but if I disenroll from auto-pay and only do manual payments moving forward, I have to pay a higher interest rate than I do while I'm enrolled in auto-pay.
Product: Credit card or prepaid card

Capital One app shows an advertisement that if you " Refer a Friend '' to apply for the new XXXX XXXX card by using a link provided by the app and the person is approved, then you can receive XXXX miles for each friend approved. 

Due to this advertisement, I engage in referring the Capital One XXXX XXXX card to my family and friends using the link provided in-app. I sent my link referral to my friend XXXX XXXX, who later confirmed to me that he applied using my referral link and got approved for the card, however, Capital One did not credit the XXXX miles to my account as it was advertised. 

I am requesting Capital One to deliver on the offer advertised in the app. I refer several friends using the link, and I convince them of the benefits of the card, one of those friends applied and was approved, therefore I did my part on the offer, Capital One benefited from the referral because now they have a new client, however, they have not delivered on their part of the advertisement of crediting XXXX miles to my account. 

I believe Capital One should be investigated by the CFPB for breach of contract and false advertisement this is a deceptive and unfair business practice that should be punished by the agency.
Product: Credit card or prepaid card

XXXX reports to the XXXX credit bureaus that I owe money. I did not open a Discover card nor do I owe any of these companies any money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$160.00} Date Opened XX/XX/XXXX XXXX Balance {$360.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Transunion on XXXX spoke with a Supervisor around XXXX. name XXXX. I explained. I checked all of my statement dates with my credit cards. 

My XXXX XXXX XXXX and my XXXX statement dates are XXXX. On Transunion platform their information is from XXXX. My XXXX card date is XXXX my statement date. The Transunion date of reporting is XXXX. 

Transunion is not accurately reporting my correct information. On my FICO score they are reporting my credit score as XXXX and when I log into their platform it shows my credit score is XXXX. 

All information should be reported correctly.
Product: Mortgage

I submitted a complete packet for a loss mitigation application. My lender received them and informed me that its under review and just waiting for the results of the application and that it will take 30 days. 30 days after there's still no updates from them and they are saying that the evaluator has not even started the review process. I am not sure if they really want to help me save my home or they want to foreclose my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Under 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX  - {$6200.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6200.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a new checking account with Wells Fargo and provided a promotional code for a {$300.00} checking account bonus. The account was opened with the assistance of XXXX XXXX ( email : XXXX ). I distinctly remember presenting the promotional code to her during the account opening process. 

Three months later, I noticed that the bonus was not ajdusted to my account. I contacted Wells Fargo to inquire and was informed that there was no record of a promotional code being associated with my account. I subsequently raised a formal complaint, requesting a detailed review of the matter. After two weeks, Wells Fargo informed me that no promotional code was provided to the banker at the time of account opening. 

I strongly disagree with this conclusion. I am confident that I presented the code, and I have a witness ( a friend who accompanied me at the time ) who can attest to this. I believe the issue is due to an error or oversight on the part of Wells Fargo during the account opening process.
Product: Bank account or service

I received a certified letter from Key Bank XX/XX/2016 informing me that my account would be closed. I called the number provided, XXXX, and was told that my account indeed would be closed and they chose not to tell me the reason why. For over thirty years I have used this bank through its different iterations, from XXXX Bank, through First Niagara, and most recently Key Bank without any problems. A similar event ( the threat to close the account ) occurred in the change from First Niagara to Key, however seemingly it was resolved by my branch bank which is now closed. I do n't know why Key Bank would not want my account since I have not changed my banking habits for over thirty years. The implication is that I have abrogated the rules of banking. If I have done something illegal, I should at least be told and given the chance to defend myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I received a copy of my credit file and found that there was incorrect information reporting on my Trans Union file. 

XXXX # XXXX {$85.00} I contacted this creditor by telephone on XXXX XXXX XXXX who confirmed to me that the above mentioned account and its balance reporting on my credit file as being verified by Trans Union Credit Bureau was unknown to them. Furthermore, I have been advised by the creditor to dispute the entry with the credit bureau and the creditor will respond as such. 

In XXXX I had previously informed the bureau that this account was unknown, the reply I received from Trans Union was that this account was verified which is contradicting the statement received from the creditor. 
The creditor does not agree with this credit reporting bureau I request assistance by the CFPB in the closure of this dispute by disclosing the FULL validation of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Debt collection

Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX NA XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the debt you are reporting on my credit file related to an alleged obligation to XXXX XXXX. I have never incurred a debt with XXXX XXXX. My personal information was compromised in a data breach ( documentation attached ), and now Portfolio Recovery is attempting to collect on this alleged debt. XXXX XXXX has been notified of this issue and informed that legal action would be pursued if this fraudulent account is not removed. Additionally, XXXX XXXX previously stated the debt was {$630.00}, while Portfolio Recovery is reporting $ XXXX clear inconsistency. There are numerous FCRA and FDCPA violations involved, which I reserve the right to pursue in court. At this time, I request the immediate removal of this account and the cessation of any collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus multiple times on this issue. my initial investigation started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to send me proof that I in fact submitted these inquires myself such as original documentation with my signature, instead, they just send letters saying it's been verified but they are going against the FCRA by not sending me the proof they obtained! I've pleaded for proof but still, no proof has been sent! here is a copy of the letter Equifax sent me in response saying it's been verified. if you in fact verified this account why have you yet to send the proof of verification to me as well! please help me in this matter! they are affecting my credit report negatively! this also goes for XXXX and XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX balanced {$2400.00}
Product: Student loan

Hello! 
I requested a {$10000.00} refund from MyFedLoan on around XX/XX/2022 for payments made during the pandemic. This continues to be pending and there has been no update despite almost two months of waiting. I've called MyFedLoan multiple times and they give me different timelines each time or say they don't have a timeline. 

It should be noted, I currently have a {$10000.00} balance that was transferred from MyFedLoan to XXXX. Both XXXX and MyFedLoan have said to request the {$10000.00} in payments made to MyFedLoan during the pandemic from MyFedLoan. 

Any help would be much appreciated. 

Unfortunately, the payment history of these loans is not on MyFedLoan or XXXX websites for some reason..
Product: Checking or savings account

I am requesting help concerning fraud charges on my credit karma spending account. I did my taxes with turbo tax and the money was sent to my credit karma money account. It was placed in the account on XX/XX/year> with a date of arrival on XX/XX/year>. On the early morning of the XX/XX/year> at XXXX XXXX I got a login notice texted to my phone stating that a log in code was sent to login in my account. I logged in an noticed a debit card was placed on my account that I did not placed on my account so I contacted credit karma right away. I was on the phone with the agent ( XXXX XXXX as I saw my money be " instant transfered '' to a unknown debit card that was added to my creditkarma money account. The agent ( XXXX ) saw the same. I asked him to stop the transactions and to freeze my money account. To prevent and more transactions ( transfers/ debits ). He stated he couldn't remove the debit card nor stop the ( instant transfers ) or freeze my account. The agent ( XXXX ) emailed me a dispute paper informing me to fill it out right away which I did. XXXX instructed me to send a picture of me holding my credit karma card, my State ID front and back, and a picture holding my State ID. This was XX/XX/XXXX within 20 minutes of me continuing beingon the phone with the Agent ( XXXX ). From the XXXX of XXXX till now i have contacted Credit Karma, they eventually closed my money account. I never received any information, was placed on hold for up to 5 hours then hung up on, then I asked them to freeze my account and remove the debit card. They didn't and now they have closed my account and and stated that there is nothing they can do. I have all the correspondence emails, phone logs, and disputes.
Product: Checking or savings account

XXXX XXXX was supposed to send {$300.00} check to my sister, because of some deal they did. Instead of sending {$300.00} check he mailed her {$2000.00} check. He gave some excuse and told my sister to deposit the check and transfer the rest {$1700.00}. My sister did not have an account so I created a capital One money account for her under my primary account and deposited the check. After a couple of days when the check deposited and it was spendable I send him the money through capital one XXXX  money transfer service. Then after couple of days when I checked my bank account online the bank freeze my funds. When I called the bank they said that the check that was deposited got rejected and now it's my responsibility to pay the balance. Which I don't understand because I only send the money because the bank verified the check and it was deposited and they let me spend the money. So I think it should on them not me. So please help! 

the {$2000.00} check was deposited on XX/XX/2020 send {$1700.00} to XXXX XXXX on XX/XX/2020XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. This is so unbelievable! How can you guys let these multiple complaints pass? I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I have contacted the furnishers and they agreed to delete the accounts from my file. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. You have not provided me any proofs! Come on! THIS IS NOT ROCKET SCIENCE! 

XXXX XXXX XXXX, XXXX  XXXX
Product: Credit card

Since I opened this account for my fiancee 's engagement ring with wells fargo I have made payments exceeding the minimum and if I worked overtime several payments a month. then in XXXX and XXXX this year I made XXXX payments in early XXXX and Early XXXX, but for some reason they refused to recognize the XXXX payments and charged me a late fee and did not credit me with any payments in XXXX stating I owed XXXX dollars with a 25 dollar late fee. They have been unwilling to recognize the payments or waive the late fee at this time. I make payments the day my pay checks come in every other week and hope to get the billing cycles moved to recognize the paycheck that arrives during the first 10 days of any given month will be gauranteed to be recognized on the billing statements since they seem to shift when the cut off.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted at least XXXX different disputes to experon credit reporting tried to up load documents and could not do so. Will not let you upload a picture of the documents. Tried to contact thru email no way to do so for hard of hearing people. They have no contact other than calling. Also after fileing credit dispute my credit score dropped XXXX something points. I was punished for fileing a dispute by that. No way my credit report should have dropped that much. Credit reporting agencies should not be allowed to drop your credit score for fileing a dispute.
Product: Checking or savings account

On XX/XX/XXXX, XXXX, and XXXX of 2019, while banking with Wells Fargo, I had incurred multiple Overdraft fees. I had transferred money to the affected account prior to these charges and called the company to get them reversed. I was told " No '' multiple times by multiple people and was put on hold for over an hour. I eventually spoke with a " Supervisor '' who initially did not want to reverse any charges. After pleading my case, I was finally granted a refund but only on two transaction and only partial refund on others. I have the bank statement that reflects this. 

I have also incurred many other Insufficient Funds/Overdraft fees that were not refunded in the past before this. I would like to have refunds for all those charges as well. I can provide information for those as well later. The above statement was the most recent.