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

Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, Acura indicates that they NEVER received a XXXX XXXXXXXX XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, Acura has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; NXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

XXXX reported my account late wrongfully on XXXX. They removed it and put it on XXXX then removed it and now they put it on XXXX. Every time they say they will fix the problem they then add it to a different credit bureau.
Product: Checking or savings account

Subject : Dispute of Inaccurate Negative Information on My Banking History Dear Sir/Madam , I am submitting a complaint against Chex Systems for inaccurate information that has been reported by Chex Systems on my banking history. This inaccurate information is causing significant harm to my financial reputation and has violated my rights as a consumer.

I have recently reviewed my Chex Systems report and was alarmed to discover several negative items listed that are factually incorrect. These inaccuracies include but are not limited to : XXXX. [ XXXX XXXX : date of closure XX/XX/2022, account number # XXXX, reason for dispute is inaccurate information nor was company allowed permissible purpose to share information about me. 

I would like to emphasize that these inaccuracies have had a detrimental impact on my ability to open new bank accounts and access essential financial services. As a consumer, I have the right to accurate and fair reporting of my banking history under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

These late payments don't reflect my consistent payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX : XXXX XXXX and myself came to an agreement for me to pay {$1700.00} due on XX/XX/XXXX as a debt settlement. I submitted the amount of {$1700.00} on XX/XX/XXXX at XXXX in XXXX, Massachusetts. I obtained a bank check through my credit union. The women working at XXXX was having trouble entering the payment and had to call her manager for help. After waiting a long time, the manager stated that it was all set. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the above amount was not paid on XX/XX/XXXX and therefore they were going to report me as bad debt to the credit reporting agencies. I immediately called my bank whom issued me the check. The bank manager stated that XXXX XXXX tried to charged them twice for the amount of {$1700.00} and my bank cancelled one of the checks, and the other check was cashed by XXXX Bank for the amount of {$1700.00}. I called XXXX XXXX and they stated that I did not pay them, and my balance was {$5000.00}. I sent them the documentation, and they finally sent me a letter stating that my account was settled. Then on XX/XX/XXXX I received a court order to appear in court. The document stated that the last payment I made to XXXX XXXX  was on {$1700.00} on XX/XX/XXXX ( which was the agreed settlement amount and date ) and that I owed {$5000.00}. I called the collection agency right away which was called Law Offices XXXX XXXX XXXX, XXXX and I spoke to XXXX XXXX, rep. She had me send the documentation over to her. After she reviewed it, she told me I was all set and I did not need to go to court. She also stated that her client, XXXX XXXX made an error and everything is all set. 
It has been almost 4 years, and XXXX XXXX  is still showing on my credit report through all the agencies as closed but with a balance of {$5000.00} and as bad debt. I tried to call them and all the representative stated that my balance is XXXX and they do not know why the credit agencies have this balance shown. I also disputed it with XXXX which stated that the account is closed, but the balance still shows. Recently on XX/XX/XXXX my credit score went down 100 points due to the card. 
I tried to refinance my mortgage so I can pay a lower monthly payment and pay it off sooner. I spoke to XXXX XXXX and they stated that they can not give me a loan due to my credit score which is now XXXX. They stated it is because of XXXX XXXX   showing that I have balance of {$5000.00} and it says charged off as bad debt. I explained to the story, and they stated that until that says balance XXXX or is taking off my credit report I can not get a loan. I also spoke to my bank who still can not believe that I am still dealing with this. 
I have spent hours of the telephone, sent letters, faxed papers. I really do not know what to do next. I am praying you can help me.
Product: Payday loan, title loan, or personal loan

Omni financial loan. Paid for by allotment
Product: Credit card

Capital One Credit Card Company has wrongfully placed " Account in Dispute '' Flags, in XXXX places on my credit report. 
The subject Mastercard Credit Card from Capital One is no longer in use. The card has been destroyed. 
Date of last usage of credit card : XXXX ( more than 8 years ago!!! ) Balance Owing : XXXX Amount Past Due : XXXX Payment Due : XXXX I contacted Capital One Credit Card Company by phone and demanded removal of " Account in Dispute '' Flags. Multiple Capital One representatives told me that they have No financial records under my name and social security number. Despite this, they have not removed the " Account in Dispute '' Flags from my credit report. The subject wrongful " Account in Dispute '' Flags from Capital One are preventing my application for home mortgage refinancing from being approved. I demand immediate removal by Capital One of the wrongful " Account in Dispute '' Flags from my credit report. I further demand that Capital One be assessed a {$500.00} punitive fine for their wrongful actions.
Product: Credit card

Synchony Bank lowerd all my cards to XXXXXXXX XXXX they said i have to many but i manage them very well lowes card XXXX amazon i think thats discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently under contract with a purchase agreement but I can not close on my home mortgage because there are fraudulent accounts reporting on my credit report. I have already notified Equifax and all of the creditors that these accounts have been opened fraudulently without my knowledge and permission. I have already disputed theses accounts twice with Equifax previously and from the first dispute Equifax stated that the accounts were verified and the remained on my credit report. These accounts were opened fraudulently and are still reporting on my credit report. Both XXXX   and XXXX have already removed these fraudulent accounts from my credit report but Equifax remains to report it as you can see in the attached credit report from the mortgage company. With these accounts reporting on Equifax I can not close on my home mortgage. I filed an identity theft report with law enforcement which is attached. If I dont close on my home mortgage by XX/XX/XXXX I will forfeit my {$2000.00} Earnest Money Deposit which is stated on my purchase agreement. I have already extended the purchase agreement previously and can not extend it further. If these fraudulent accounts remain on my credit report and I loose my EMD I will be filing a lawsuit against Equifax and the reporting creditors for damages and violations of the FCRA. This is my final attempt to resolve this issue. The following accounts listed below are the accounts that have been opened fraudulently. XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  XXXX, Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX and financing was through Chase XXXX XXXX. 
On XX/XX/XXXX I called to get payoff on the car loan. I was quoted the amount {$7500.00}. I wrote XXXX separate checks from XXXX different accounts and XXXX different Banks. My husband 's account was with XXXX XXXX XXXX XXXX for the {$7000.00}. XXXX, my account, for {$520.00}. Mailed on XX/XX/XXXX. Payment was due XX/XX/XXXX. Checks had not been cleared by XX/XX/XXXX. I called CHASE and I was told they didn't have anyone to process checks. I was told the amount would be honored until XX/XX/XXXX. On the account website on XX/XX/XXXX, it showed the account was past due. XX/XX/XXXX, payment was not posted yet. My husband did an electronic transfer for the {$7000.00}. on XX/XX/XXXX, from XXXX XXXX XXXX XXXX he went to the bank for a stop payment which was done as a courtesy of the bank. I left a message with my bank with XXXX XXXX requesting a stop payment. She was not available. On XX/XX/XXXX, I called Chase and also did the electronic transfer from XXXX, which now the amount was now {$530.00}. I was told the account would be paid off and when the checks arrive, they will not be cashed. They attempted to cash my husband 's check but the stop payment was in place. My check was done as a convenient check and it was processed. It took me from XX/XX/XXXX until XX/XX/XXXX to finally get reimbursed the {$520.00}. On XX/XX/XXXX, I received a check in the amount of {$6400.00}. I called and told them a mistake was made. I was told XXXX supervisors reviewed my account and ordered the check for over payment. I cashed the check and put it in the savings account, because I knew they had made a mistake. I received a call from Chase on XX/XX/XXXX wanting to know why I had not responded to their letter. I responded I have not received a letter. They said it was mailed on XX/XX/XXXX. We had a holiday on XX/XX/XXXX, XXXX, I still have not received the letter. They said that due to the account being reopened and I am now XXXX XXXX behind in payments, penalties, I now owe {$7100.00}. If it wasn't paid interest and penalties would continue to accrue and they would put a lien on my title. When I questioned the amount, They told me that when the {$7000.00} check was stopped the check for {$520.00} was also listed as a stopped payment and I owed that amount back. These were from XXXX different banks. I went to both banks and received the documentation and told them the situation. I was told I only own the amount back from the check they sent me on XX/XX/XXXX. I questioned their ability to be doing financing. They needed to hire XXXX XXXX XXXX felt this was XXXX  me for more money.
Product: Credit reporting or other personal consumer reports

Theree is a closed account on my credit report that i did not open nor did I authorize to be opened XXXX XXXX XXXX XXXX XXXX with a balance of {$13000.00}. 
A large number of inquiries are on my report that I did not authorize. 
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 I believe my personal information was used to try and obtain a loan. I did not agree nor provide such information to the following companies and need these inquiries removed from my credit report immediately. This is hindering my credit score tremendously and preventing me from obtaining new lines of credit.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. Transunion responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$570.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$320.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$820.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NOT received any FACTUAL information or an AFFIDAVIT OF FACTS on how you verified the erroneous information of the alleged account attached in Exhibit C. Therefore, I request you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court as evidence of my trying to rectify the subterfuge that you are reporting. XXXX ( copied from Affidavit of Truth ) XXXX TransUnion has acted unethical. Though TransUnion reported to the CFPB on XX/XX/2022 that it was in progress with complying with the affidavit in which TransUnion received via certified mail on XX/XX/2022, TransUnion has not complied with the affidavit as of XX/XX/2022. TransUnion mailed me a letter on XX/XX/2022 and again on XX/XX/2022, stating that its company had completed its investigation reflecting the erroneous alleged account as accurate and the subterfuge as still reporting on my consumer report. Though TransUnion reported to the CFPB on XX/XX/2022 that its company 's investigation resulted in TransUnion deleting the erroneous alleged account from my consumer report, TransUnion has NOT deleted the erroneous alleged account as XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit card

On XX/XX/XXXX I called BarclayCard to dispute the purchase related to a free luggage benefit on its XXXX XXXX XXXX. The XXXX check in desk refused to honor it stating that the benefit must come in form of credit from Barclays Card. Since the CSR refused to provide this benefit and and attempted to switch the call to XXXX representative instead, I requested service to dispute the purchase. It was refused by the Barclays Card XXXX based representative. I was then told that supervisor will call back within 1-2 business days to address the issue. Nobody called back. Meanwhile Barclays XXXX put the card and its charge into the overdue category while assessing late fee and finance charges. On XX/XX/XXXX I called again and I requested to speak with the XXXXbased supervisor that has authority to address the issue. Once again the XXXX based representative, this time named XXXX put me into a very long hold with assurances that I will be transferred to the XXXX representative to address the issue. However he lied to me after XXXXXXXX XXXX hold and assurances I was still unable to speak to someone to address the issue. It is evident that Barclays Card is unwilling/unable to address the issue and it doesn't want to provide a free check in luggage benefit it advertises as benefit on its card. This type of behavior is truly reprehensible and possibly illegal as the company is not only misrepresenting its financial product terms and condition but it is also not interested in providing a meaningful and productive customer service. It is outrageous that the Barclays Card customers are treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXXBalance : {$4600.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> {$1000.00} was deposited in XXXX a crypto exchange company. On XX/XX/XXXX XXXX wiped out to two bank accounts of total of {$1900.00}. Unlawfully was not authorized in front of a XXXX XXXX  employee and me at the bank. A fraud was then issued then XXXX locked my account out, seized {$1000.00} then turned around and trying to sue me with a debt collector for {$1100.00} I have no idea how they got this amount they just keep doubling down no phone number. This is a fraudulent company that he be looked into and their license need to be pulled. Thank you for this time in this matter
Product: Credit card or prepaid card

I have received a letter from CapitalOne saying I am pre-approved for the quicksilver credit card. My credit score is stellar, I have never had a missed payment, credit card utilization is 3 percent, 3 car loans are paid, all is sweet. the score is about XXXX. 

I applied and got denied. I called them and they sent me a letter saying " two many revolving accounts '' and this is not true. I had many accounts before covid, but when Covid started I closed several credit cards, paid all in full. I was scared that we might get into a bigger trouble with the pandemic. 

I decided to stay just with 2 credit cards instead of 10 I used to have, but Capital-one red-flags me on this basis. So, they received my credit score via soft pull, included me into the targeted list, sent me an offer, I accepted, they got the same credit score via hard pull, and they denied me. 

this is a rip off. Had I had any troubles on my file I would be able to understand the attitude, but since nothing has changed on my score for years, I can't tolerate it. 

last but not least - 2 years ago I filed a complaint about capital-one via this agency about the business credit card, they called me and apologized after the investigation. I think they included me to the list of " trouble-makers '' and do not want to have me as a customer. 

Why they sent me a " pre-approved '' letter in this case is they mystery for me. 

once again I want to accentuate - nothing has changed on my score. It has always been in the stellar range, they just do not want to give me a card. It is unfair. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made two transactions one for {$110.00} and another for {$320.00}. Later that day I had both merchants the payments were sent to refund them. They both immediately did and it shows Coinbase has had the money from the refunds since XX/XX/XXXX. It is now 6 days later and they tell me that the money was sent to me and they dont know why it isnt reflecting in my account. No timeline for it being fixed, only that I should await a reply from a specialist. Been multiple days and no reply. No money in my account and no help whatsoever from their support.
Product: Debt collection

I constantly receive calls from Portfolio Recovery Associates. I have informed them to stop. They called my father and threatened to have me arrested. I have been cursed at by a man who said that he was an attorney. I informed them that I wanted proof of the debt. I also informed them several times my only source of income is Social Security XXXX benefits yet I receive at least 2 calls a day.
Product: Credit reporting or other personal consumer reports

Nelnet XXXX XX/XX/year> the credit report agency is reporting information that has been discharged the records need to be updated an corrected to paid my account needs to be credited
Product: Vehicle loan or lease

In XXXX of XXXX I reached to the account manager XXXX XXXX at Navy Federal to discuss Accounting on the account. Previously I made all payments to the auto loan from a personal account with another bank to Navy Federal. I realized that in addition to accepting my payments, XXXX XXXX Navy Federal were also illegally transferring payments from the business savings account that I had also established at Navy Federal prior to financing the car in XX/XX/XXXX. Once I realized this I called and spoke with XXXX XXXX as the appoints rep for the car account. After discussing the matter, requested the original car contract and all accounting on the vehicle which the bank found difficulty in providing. They then provided a titled promissory note that was day to late XXXX of XXXX with an unrecognizable signature. Since discussing the contract and accounting with XXXX XXXX in XX/XX/XXXX I sent several letter requesting informations and details to resolve this matter. I've called several times over months and did not respond to any letters or messages or phone call i made. On XX/XX/XXXX my car was repossessed by a third party hired by XXXX XXXX and Navy federal. I was not made aware of the car would be repossessed and could not again get in touch with him or anyone who could discuss my concerns until the following week. Under Navy Federal, XXXX XXXX XXXX has violated the law and my rights as a consumer.