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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX ( Contract hire ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2024
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX capital one took payments out of incorrect bank account and was charged two over draft fees for these transactions. I have been getting payment taken from another bank account except this time. I didnt authorize them to use the bank account through XXXX bank. I closed my credit card accounts due to them fraudulently taking money out of the incorrect bank account and they wouldnt do anything to assist me with there error.
Product: Vehicle loan or lease

Due to the seriousness of XXXX 's XXXX XXXX, he will not be able to make any payments until he returns home if that will happen. He is in XXXX XXXX and remains in the hospital for an indefinite period of time, he will not be home for the holiday and arrangements are being made for his final wishes. Please respect and do what he wants, he knows that the GM payment is due now, but he needs to delay it until the end of the month, if possible. His income has dropped considerably since he has been in the hospital due to XXXX  and hospital stays which were not anticipated. Please work with XXXX while he is here, we may lose him at any time. 
XXXX remains in the hospital, he is waiting for some kind of response from the emails, he is worried that you're going to pop on his doorstep ( he is not there ) and repossess the jeep. He is asking for time and wishes that GM \could move the outstanding due payments to the end of the contract until he somewhat recovers ( he never will ) from XXXX  XXXX XXXX. There is no cure for this, he is placed on a medication remedy only and that is what is keeping him alive. Sorry for the bad news, but it's a reality and he is trying to come up with a solution instead of lying there in bed suffering so, please work with him. 
Please stop any repossession proceedings, XXXX can not help the situation he is in, he can not believe GM would take the car while he is suffering seriously with XXXX  XXXX XXXX, the car will always be here, but XXXX may not survive the horrible XXXX. Please keep him in your prayers and please don't rush to a quick decision without any kind of notification on what you're going to do. We think you should move the outstanding balance to the end of the contract until XXXX XXXX hopefully gets better. Please note he is sacrificing his car payment for his health, and he wants all of you at GM to understand his situation. He is going to try to work with his credit union if he is able to pay at least one payment, we will not know until this week so please read the above and show some compassion because I am afraid you're going to lose a good customer, would you rather have the car instead of XXXX XXXX.
Product: Credit card

Capital One reported my auto loan payments late several consecutive times. I have several credit cards with Capital One and all paid on time. Never late. I closed them because I noticed a pattern of discrimination. The higher my credit score went the more interest I paid. With my car loan, in XXXX, I was overpaying Capital One and caught them lying about what I owed. They repaired the issue. In the fall of XXXX they started overcharging me again, so I demanded they show proof. While I waited, they never disclosed their malfeasant actions toward me, they continued to mark me late. I researched all my credit reports and noticed they are all over the place, so I contacted all the XXXX and they informed me, they report only report what Capital One tells them, so why are the payments in different years and months??? Both Capital One and the Credit Bureaus, specifically XXXX stated it is ok and legal for them to be different because it happens all the time. I vehemently disagree for the following reason. 
Credit scores permeate our entire lives, and the Credit Bureaus must be accurate because credit scores impact our QUALITY OF LIFE and PROSPERITY. 
XXXXXXXX We need a good credit score to buy a home 2. A good score is needed to buy a car 3. Health Insurance premiums hinge on our credit score, not logical - it is criminal 4. Car Insurance uses our credit to offer us car insurance - it does not hinge on your driving record anymore, it depends on your credit score which is criminal. 
5. To rent an apartment - your credit score is used. 
6. Physicians are asking for credit report to obtain medical care - their reason - Dentist say, if you need major dental work, we must ensure your good for it. 
Credit Scores permeate our lives, so for Capital One, XXXX, XXXX and XXXX to have such a casual attitude is dangerous. Our Federal Government must insert FINES and new REGULATIONS for Companies and Credit Reporting Agencies to ensure they are taking consumers credit reporting seriously. 
Please ask Capital One to remove the XXXX and XXXX of XXXX late payments off my credit reports. Thank you.
Product: Student loan

I have a private student loan with Sallie Mae. Is there help with loan forgiveness for Sallie Mae loan browsers? The interest is extremely high, and I can not repay this loan. Please let me know if there is a relief program for private loans.
Product: Money transfer, virtual currency, or money service

Company : Cash App Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone number : XXXX Incident Location : Cash App ( digital wallet application ) Incident Time ( start ) : XX/XX/2022 XXXX XXXX  Incident Time ( end ) : XX/XX/2022 XXXX XXXX  Location Type : Cyberspace Seller : XXXX XXXX XXXX Amount in dispute : {$1300.00} Transaction : Cash transferred thru " Cash App '' Narrative : An individual using the name XXXX XXXX XXXX XXXX XXXX, stated that she is a friend of my aunt 's. She posed as someone selling used gadgets for cheap. She sent me a list of available items and proceeded to request money through the " Cash app ''. It has been more than 2 weeks and she is not replying anymore to texts, and none of the items were actually sent. I reached out to the Cash app to dispute the transaction and report the fraud. The company did not investigate and closed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : ON NINE OCCASSIONS XXXX XXXX XXXX HAS IMPROPERLY AND MALICIOUSLY REPORTED INACURATE, MISLEADING AND OR FRADULENT INFORMATION TO THE CREDIT BUREAUS REGARDING MY MORTGATE AS WELL AS AN AUTO LOAN. NO PAYMENTS HAVE EVER BEEN LATE TO THIS CREDIT UNION SINCE ACCOUNT OPENING. SEVERAL BOARD MEMBERS OF XXXX XXXX XXXX ARE AVERSE TO THE COMPANY I AM XXXX OF. MY HOME IS CURRENTLY FINANCE WITH XXXX  AND THE PROPERTY IS CURRENTLY FOR SALE. MY TRUST OFFICE AT OUR HQ WAS CONTACTED BY SEVERAL LOAN OFFICERS OF XXXX  THROUGH REAL ESTATE PERSONELLE OF XXXX XXXX XXXX XXXX XXXX XXXX HAS A PRESIDENT THAT SITS ON XXXX XXXX. WHEN MY OFFICE WAS CONTACTED BY THIS REAL ESTATE FIRM WITH TIES TO XXXX  WE REFUSED TO SHOW THE PROPERTY TO THEM AND THEIR REALTORS AND LOAN OFFICERS BECAME IRRITATED DUE TO THE STRICT SALE REQUIREMENT PROCESS. SUBSEQUENTLY THE VERY NEXT DAY THE MORTGAGE WAS REPORTED AS DELINQUINT AN UNPAID/PAST XXXX  DAYS DESPITE BEING PAID ON TIME AND THAT THE LOAN AMOUNT INCREASED, CAUSING A MAJOR DROP IN MY PERFECT CREDIT SCORE FROM MID XXXX 'S TO THE HIGH XXXXXXXX 'S. AFTER MUCH TIME AND COMMUNICATION WITH THE CREDIT UNION, EXPERT WITNESSES, LAWYERS, LEGAL DEMANDS TO THE CREDIT UNION THEY REVERSED THE FALSE, INACURATE AND FRADULENT REPORTING AS THEY HAVE DONE PRIOR BUT JUST LIKE THOSE OTHER TIMES THE CREDIT SCORE HAS BEEN DAMAGED AND NEVER FULLY RECOVERED. XXXX CLAIMS THIS PROCESS IS AUTOMATED, AN ACCIDENT, OR ERROR " DARN COMPUTER '' DEFENSE. I COULD SEE THIS BEING AN ACCIDENT ONE TIME BUT 9 TIMES IN A YEAR AND A HALF PERIOD WITH ANCILLARY AVERSE INDIVIDUALS TO MY CORPORATION AND MYSELF INDIVIDUALLY WHO ARE TIED TO XXXX  IS CLEARLY MALICOUS. THIS IS FISHY AND AS A XXXX XXXX XXXX FAMILY MEMBER I AM ASKING THE UNITED STATES FEDERAL GOVERNMENT TO INTERVENE AND OR REFFER THIS MATTER TO THE DOJ OR FBI FOR PROSECUTION OR INVESTIGATION. IF THEY FREELY DO THIS TO ME, IMAGINE HOW MANY OTHER AVERSE AMERICANS THEY SUBJECT TO THIS TORMENT VIA THEIR RACKETEERING INFLUENCED AND CORRUPT ORGANIZATIONAL PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially I thought this item was a result of unauthorized/fraudulent use because I knew I did not have a balance or an open account with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not. I made payments on the account until I was aware that the recipient did not actually get the items. I have an active complaint against the collection agency and am currently awaiting the company to issue a refund or provide a signed proof of delivery so I can find the person who accepted the items, IF they were actually delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Checking or savings account

Victim of fraud and my bank didn't protect me the hole information is in the attached document complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with XXXX that I paid in full and current balance is {$0.00}. This account is reported to XXXX and XXXX as ''closed '' account. However, Equifax is still showing the account as ''open '' account. I disputed the status of the account with Equifax several times before and sent them a letter from the collection agency that shows the account being pad in full and ''closed ''. However, everytime I dispute the account with Equifax, they mention it is ''collection '' account it it doesn't close, which does not make sense cause that same account was closed with both XXXX and XXXX even it is collection account. I asked him to show me where in Equifax website if there is any disclosure that you can't close account because it is collection account but he could not share any policy related to that. Under Fair Credit Act, this account has been closed by the creditor and collection agencies and been reported to XXXX and XXXX as ''closed '' account. However, Exquifax is not welling to comply with this Federal mandate. Therefore, I am filing this complain against them, which is not surprising such non-compliance comes from a company leading in security breaches every time we hear of one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is breaking the law according to FCRA section 623 ( a ) ( 5 ) and I need my inquiries removed as soon as possible please. FYI XXXX delete it the same inquiries.
Product: Credit card

Bank of AmericaXXXX credit card. I have had for 20+ years. Always use autopay for full amount- to pay the balance. 
I had a {$2100.00} balance on XX/XX/XXXX the autopay payed {$86.00}. 
I had a {$4000.00} balance on XX/XX/XXXX the autopay payed nothing. 
I did not turn off autopay. 
Because I set up autopay years ago online, BofA has no record of it, no record of turning it off, nothing. 
I was charged a {$25.00} late fee because of missed XXXX payment. 
Charged interest on balance of course. 
My concern : how BofA turned off autopay. Even if I did, which I didn't, they should have sent me a confirmation email. 
Are they doing this widely?
Product: Prepaid card

On XX/XX/year>, I was sent a digital Vanilla Gift Card worth {$300.00} via e-mail from a company as compensation for an internship. When trying to use the gift card to make a purchase, it would not work. After checking the balance and status of the gift card, it said it was locked. 
Afterwards, on XX/XX/year>, I called the customer service line and opened up a case, asking for either a refund of the amount on the card or a replacement card. I was told that the card was locked due to fraudulent activity, but when I checked the card 's balance, there was no transaction history on the card. I was then told to wait 30 business days to hear back about a resolution to the case. 
During this time, I tracked the case on their website and saw no progress, so I called multiple times to ask for an update on the case, only to be told to wait the full 30 business days. 
Finally, on XX/XX/year> -- the expected day for resolution -- I tried to check the status of my case, only to be repeatedly shown a System Error and me no longer being able to check my case. Upon calling the customer service line, I was told to wait 1 more business day for processing. So, today on XX/XX/year>, I once again called the customer service line to check the status of my case, only to be told that they would need to contact a supervisor and escalate the case. I was then told to wait another 2 days before calling again. 
At this point, I am no longer able to check the card balance and the case status on the website and am repeatedly shown system errors. I have tried multiple devices and browsers, trying to get the Vanilla Gift Card website to work, much to my dismay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have unauthorized inquiries being furnished on my credit report. I am requesting that they are disputed and removed off of my credit report. 

Creditor name & Date XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX CAP ONE NA XXXX CAPITALONE - XX/XX/XXXX
Product: Debt collection

filed dispute asking for verification of debt but as yet to received any documents except for stating that account as been verified. 
XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into a few years ago and my wallet, purse, and a few pair of shoes I had bought my son were stolen while i was in the gas station paying for gas and some snacks. I have noticed numerous accounts since then, especially medical accounts that have been opened in my name that I never authorized, or opened. 

With TransUnion I see the below accounts that are a result of fraud or XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : 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 ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX  XXXX   XXXX  XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX locked me out of my account online. I called 6 times to get a resolution with no help. I was given a different answer every phone call with no resolution. They would ask for a payment on the account but couldnt seem to resolve the online issue. This account is not delinquent. Very poor customer service and resolution. As. XXXX I would not recommend this credit card company/bank. I was told the issue is in the backend and can not be resolved.
Product: Debt collection

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with EQUIFAX on XX/XX/XXXX asking for an independent investigation and asking them to verify accounts with original contracts as well as original signatures, asking EQUIFAX to independently verify legal ownership of these following accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # xxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX On XX/XX/XXXX EQUIFAX said that the investigation to my disputes were closed, but they did not furnish me with any signed contracts or any original contracts, they also didn't furnish me an independent report, they also did not furnish me with any data at all, of their investigation. They violated my rights according to 602. [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 


Thank you for your attention to this Urgent matter.
Product: Checking or savings account

In XXXX of 2022 I opened a chime banking account. Around XX/XX/year> I made XXXX separate cash deposits at a XXXX XXXX in XXXX XXXX. XXXX for {$500.00} and XXXX for {$400.00}. Immediately after depositing the funds chime closed my account and got XXXX years theyve denied refunding me my deposits. I no longer desire an account with them. I called them XXXX days ago as I learned theyre being sued for this same reason and was told before being hung up on that they closed my account and Im not eligible for a refund. How can someone get away with this? I submitted the required documentation they asked for account verification despite providing the same info at the opening of the account and they refused to comply. This is illegal. This is robbery. At that time I Fell behind significantly in my expenses as that was XXXX XXXX of my rent money. I just want my money back and its fair to say after all this time Im owed interest as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

A drop in my credit suddenly appeared on three credit reports, XXXX, Experian, XXXX showing a delinquent charge on an account that does not belong to me was. It was placed on my credit report wrongfully. I discovered this through an invoice being sent to me with a bill for XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX I do not have a XXXX XXXX XXXX account. The purchases on the fraudalen card were made in New Jersey. I live in California. I am now aware that my identity was stolen apparently with the intention of opening up a credit card at the XXXX XXXX XXXXXXXX using my name. It may have been stolen to be used for even more nefarious ways. I do not know how these people or person obtained my SS number or address. This has impacted my credit significantly in a very negative way. I have reported this to the bank XXXX XXXX, law enforcement, SS XXXX. and the local police. I have reported it to each credit agency, and my own bank, XXXX. I hope you can help me fix this problem and have my true credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this fraudulent account.
Product: Debt collection

I moved into the XXXX XXXX apartments in XX/XX/XXXX and lease expired in XX/XX/XXXX. I continued to live there without a lease and new owners took over in XXXX of XXXX. They wanted me to sign another lease and I found out my husband would not be able to live there so I started to look for another place to live. I moved out without giving 30 day notice because i did not want to miss out on the place I found. I informed the apartment manager and she told me thats fine you will just lose your deposit. I also called her after I moved and let her know I was working late that day and couldnt bring the keys until the next day and she said dont even worry about it. We kept your deposit and you moved. We have a key so you are good. So I moved out the week of XX/XX/XXXX. Never signed anything after the initial lease in XX/XX/XXXX. 
I got a couple calls from Procollect a few months later stating I owed {$2500.00}. They informed it was for XXXX  XXXX  and I should call them. 
I did and they said I owed late fees and key fees and resetting fees. I told them what the manager said and I didnt have a lease and they kept my deposit and the girl just didnt say anything else. 
I disputed with procollect and they sent me a copy of my initial lease. A copy of the itemized charges but you can only see the total and an unsigned lease contract renewal. Procollect has NO validation {$2500.00} is owed to them or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on a payment. The monthly amount was automatically sent. At the end of the lease there was a lease termination fee that was not included. I had leased several times through this company. This was not automatically paid. This did not come to my attention for several months and was immediately paid through biller website. 
It is listed as sent to collections.
Product: Vehicle loan or lease

I was told I had to pay a down payment on the car in order to drive away with the car. This is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.