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

The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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
Product: Credit card or prepaid card

On several occasions i have called Capital One to discuss my credit account. i have never been able to complete a phone call with any representative of the company until today XX/XX/2019. I am usually placed on a hold and my call is then disconnected or when a representative does come on the line they say they are unable to hear me and disconnect the call. I have been unable to use my credit limit when below my credit line. I was able to learn from a representative of the company identified as XXXX that my credit limit had been restricted for missed payments ( missed payments which i do not dispute and have since fully paid the balance ), when i pressed on where information about the restriction could be located in the cardholder agreement i was placed on a fifteen minute hold before the call was disconnected. i then was able to speak with a representative that did transfer me to a supervisor ( XXXX  ) to file an internal complaint with Capital One about what i believe to be misconduct and avoidance by the previous representatives.
Product: Credit reporting or other personal consumer reports

**Complaint Description for CFPB Filing** **To Whom It May Concern, ** I am writing to formally lodge a complaint against the credit bureaus for reporting false information on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681a ( 1 ) ( b ). The inaccuracies on my credit report have caused significant harm to my financial standing and peace of mind. 

The credit reporting agencies have a legal obligation to ensure the accuracy and integrity of the information they report. It is their duty to conduct thorough investigations when inaccuracies are reported. The blatant disregard for this obligation is unacceptable, and I demand immediate deletion of all erroneous entries from my credit report. 

The FCRA is clear : consumers have the right to dispute inaccurate information, and credit bureaus must investigate these disputes in a timely manner. The failure to correct or remove this inaccurate information is a direct violation of my rights as a consumer and is a serious breach of the law. 

If this matter is not resolved promptly, I will pursue small claims for each instance of wrongful reporting. I expect a written response detailing the actions taken to rectify this situation within 30 days. 

This is not just a matter of inconvenience ; it is a violation of consumer rights that must be taken seriously. I demand that the credit reporting agencies act in accordance with the law and rectify these errors immediately.
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. 

-Account number : XXXX, Account name : XXXX Bank has XXXX my rights. 
-Account number : XXXX, Account name : XXXX XXXX XXXX has XXXX my rights. 
-Account number : XXXX, Account XXXX : XXXX has XXXX my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

According to FCRA 605B, it seems imperative that we eliminate any erroneous entries from my credit report. Would you mind reviewing the documents? There seem to be discrepancies in some of the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Why did XXXX XXXX ( Credit Agency ), take off the $ XXXX-Dollars, ( for a PARKING FEE LATE CHARGE OF MY VEHICLE ), as I had & was told by my Daughter, that SHE had picked-up HER CAR. ( as I had given my Car to her ). *IN THE PAST I HAD GIVEN MY DAUGHTER XXXX-Other Cars ... .. ( SHE HAD ALWAYS GOT THEM, in the past ). I was in the XXXX, & thus had NO WAY OF KNOWING if in fact the Car had been picked-up by her? 
SHE TOLD ME SHE GOT THE CAR, I HAD GIVEN HER. 
WHY DID XXXX XXXX XXXX XXXX, take this ( XXXX ), off of MY CREDIT REPORT ... ... AND EXPERIAN DID ''NOT ''? 
Thanks, XXXX
Product: Mortgage

I was offered a streamline modification in XX/XX/2016 from Seterus Bank. I made all the trial payments and received permanent paperwork in XX/XX/2016. I continued paying for XXXX and XX/XX/XXXX. They are sending me paperework that I am past due. I am not past due. They have not sent back the permanent loan modification paperwork back to me, leading me to believe my loan is not modified.
Product: Credit card

I have Capital One Venture One Visa card. 

There is a number on the back of the card to call. 

When I call that number after going through all the prompts the automated system tells me the wait is more than 20 minutes. I don't have 20 minutes. I have no other way to communicate with Capital One. 

Please help me be able to communicate with them with out spending an unreasonable period of my personal time. I am not their employee. They do not compensate me for my lost time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am currently in the middle of purchasing a house. I am a veteran just trying to use a VA home loan to accomplish my goal. I have been approve based on my credit score with XXXX  but lack of reported credit and unwillingness of communication between credit bureaus and companies, even at my own personnal request, as well as between the credit agencies themselves is appalling. The only thing I was requesting was proper communication between all parties involved. 
My loan officer ran my credit reports from three credit bureaus. On all three reports there was missing information between the three. Experion, XXXX  and XXXX all had info on them that was not in the other. The report showed an open line of credit open on XXXX  but not the other two.Experion showed a child support balance, paid in full. And XXXX  showed another State child support also paid in full. What i asked of the bank showing the line of credit to report it to the other two credit bureas, they claimed they only report to XXXX  and refused to report to the other two agencies. When i contacted XXXX  they informed me that there was nothing they were willing to due to add the credit line to the report. Both Washington state and North Carolina State child support agencies informed me they report to only the one respective agency. When I requested the paid balances be reported to the other agencies they replied with the same answer of they refused my request. I have tried to get this issue resolved so i may be able to use my VA benefits to he best of my ability but feel as though there is no cooperation or willingness for a smple exchange of information. I am requestion assistance in resolving this issue in a timely matter due to the process of requiring a home for my family and I. 
Thank you -Time frame and date of incident is : Report generated XX/XX/2019 @ XXXX Attempted actions to correct issue : XX/XX/2019 between XXXX and XXXX ( Mountain Time )
Product: Checking or savings account

someone use my name and my info and open XXXX banks account at capital One at the same day.
Product: Mortgage

I received a DELINQUENT TAX NOTICE dated XXXX/XXXX/XXXX concerning parcel # XXXX, which is in XXXX XXXX, Idaho. ( I do n't own any land in that county and never have. ) I made a copy of the notice and sent it to the mortgage company asking for an explanation. No reply was made. 
A Escrow Account Disclosure Statement, dated XXXX/XXXX/XXXX, was sent to me indicating a much higher mortgage payment will begin in XXXX XXXX, as a result of failure of me to pay taxes on the property in XXXX County that I do n't own. 
I 'm trying to get the mortgage company to recognize their mistake, but do n't seem to be having success.
Product: Debt collection

Credior kept on reporting my account as late payment. But I was never late, I already disputed this. The two bureaus already remove this from the reports but Equifax still reporting this as late payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the visit CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution has failed to investigate my claims adequately. They informed me that recovered loss. Funds was impossible and the tracking these transactions were unfeasible. The CFPB, has neglected to protect consumers and has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This company states that I owe a Medical debt for XXXX during the month of XXXX XXXX. I did not receive any medical services that would require XXXX in XXXX XXXX, or XXXX. They state they sent statements several times to my Oklahoma address, which they did not. I have asked their lawyer by mail to furnish me proof of this debt. He has not. I sent their company a letter asking for proof as well, their address was included in a letter from their lawyer, they did not provide me with any proof of debt or any response at all. 
I am a respectful, professional medical person myself. I pay my debts. I do not owe this debt. They have not provided me with any kind of proof that I do owe the debt, despite requesting the proof, multiple times. 
I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me this is concerning... 

Security ministration with my address name Social Security number. I also sent in a current drivers license now they requested a W9 form as I did not ask for any tax exemption or anything in that manner And when I sent it in, they said it was not accurate. I called the IRS state and federal in my name and EIN match. I completely feel I am being treated completely unfairly as I did not change my name XXXX XXXX XXXX around both of my credit cards in that time I received a new platinum Walmart rewards card that has my real name and it will not change my name back. It drives great concern. As in this time my credit scores being diminished as inquiries are being added. I have called at least 50 times that's not an understatement. I calling desperation that I believe I'm going through not only discrimination, but some kind of identity thief as they ask for all my information even my EIN as well as my Social Security number on a W9 form and told me the information did not match, I have evidence to support his not only letters with a letterhead from capital one with my correct name. ask them for a reasonable accommodation for my XXXX. I was mocked and laughed at about the situation at hand when I looked into it as well the state IRS and federal IRS has matching information. They informed me that the information was incorrect and I also have the W9 document. I also looked at how long it would take for my name to actually be changed and go into the computer and the odd thing was is that this my name was changed my correct name on the banking side and the accounts to a different name and that happened within a weeks time not even thank you for taking the time to read this. I hope I can come to some kind of resolution. This is really caused a lot of stress and inconvenience in my life. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My telephone number is XXXX. Thank you and have a wonderful day. 
The XXXX XXXXXXXX XXXX Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE 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
Product: Credit reporting or other personal consumer reports

Experian closed 7 complaints all with different explanations bt all the same problem THE FTC is now requesting information and all these will be forwarded to them
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XXXX XXXX  and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!
Product: Mortgage

On XX/XX/XXXX I received a yellow card in the mail telling me to call an XXXX XXXX number immediately about a closing on a mortgage with Veritas Funding. I got the mortgage in XXXX of 2015 and it was sold to XXXX the same year. It has also been sold by XXXX to XXXX mortgage. When I called the XXXX number it had me enter a mortgage id number and the dropped my call. As a result, I called Veritas directly and was told that is looked like fraud. They had me scan the card I received and reported it through their company. I have not noticed any fraudulent charges on my credit cards and have a credit freeze on my credit bureau accounts. Veritas also verified that the XXXX number on the card is not their XXXX number. 

XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, signed a lease in XX/XX/XXXX for an XX/XX/XXXX move-in day to move into an apartment complex called XXXX XXXX XXXX  in XXXX, XXXX. Days after signing the lease, the COVID-19 global health pandemic hit and I was immediately put on furlough from my job at XXXX XXXX XXXX XXXX This prompted me to move back in with my parents in XXXX, as I could no longer afford to pay rent due to a complete loss of income, and understanding of what the future held, as was the case for most of us. 

I had been in contact with my leasing agent working on extending my move-in date under the assumption that the pandemic was going to go away sooner than later. This obviously never happened, and I was never made aware that I was still being charged rent for this apartment throughout the course of the summer of XXXX. I was then sent to a collections agency ( Hunter Warfield ) without being made aware of this debt. I have been trying to dispute this case ever since, and in XX/XX/XXXX I was made aware that this case was dropped from my credit report. However, I am now trying to apply for an apartment ( XX/XX/XXXX ) and am being denied based on this " unpaid debt '' ( {$3500.00} ) to Hunter Warfield and XXXX XXXX XXXX. However, based on the Fair Debt Collection Practices Act, one thing I noticed was that a landlord can not " Endanger the health and safety of tenants '', and moving into a new apartment in a global health pandemic falls under this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that Target continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the XXXX late payments reports are not true. I was given an arrangement with Target and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have Target fix it immediately.
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXXXXXX 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 card

received a rejection email saying my application for a Marcus ( through Goldman Sachs ) " My GM Rewards card '' could not be approved due to an email discrepancy. I did not apply for any such card.

I contacted " GMCardByMarcus '' and they said a fraud alert has been placed on the application, but also requested I create a police report. I spoke with agent " XXXX '' at about XXXX on XXXX, but was advised there was no case number or tracking info I have filed a police report with the city of XXXX XXXX PA XXXX # XXXX )
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable