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

recently discovered that someone fraudulently used my identity to apply for a Home Depot credit card without my consent. I did not authorize this application, and as a result, an unauthorized credit inquiry was added to my credit report. I have already contacted Home Depot/Citibank , and they have initiated an investigation. However, I am requesting that this unauthorized inquiry be removed from my credit report immediately, as it was the result of identity theft. Please assist in ensuring this matter is resolved promptly.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX  XXXX ACCT # XXXX ON TRANS UNION AND ACCT # XXXX ON XXXXBALANCED AT {$300.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit card or prepaid card

Open account at the beginning of the year. Called and asked for a statement. I was told I the information was online. Requested a statement to be mailed. When I went online Citibank would not let me see my charges because I was " late ''. I made a minimum payment so I could see charges. I brought current my balance. I was then told it could take 3 to 4 days for the payment to clear and then I could see my statements. The problem is after 3 days I would be late again. I contacted the executive office because I could not  believe that they expected a {$3000.00} payment without ever showing me a statement. The exec. office called me once and asked if I was able to get the information online and I told her no. I never heard back from her. I was told she sent a letter, which I never received, addressing a problem that was not consistent with my complaint and not being able to see a statement. After a few months I contacted the exec. office to try to resolve the problem. On XXXX XXXX I spoke to XXXX who said she would email me the statements no later than XX/XX/XXXX. I requested and she agreed that she would call me to confirm that she had emailed the statements. I have not heard from her even though I have left a message asking her to call me back. I am now 90 days late and this is going against my credit which I try to keep perfect. I was told it is the company policy to block the online account when someone is late on a payment. I normally pay my account in full every month. I think it is unrealistic to ask me to make a payment for {$3000.00}, which now they say approx. {$2000.00} without seeing the charges. The outstanding balance has changed from the amount they first requested. Also, I am told I will not be able to dispute any of the charges because it is now beyond the timeframe. Please help me get statements for the charges, clear up my credit and have waived all late fees and interest. Thank you.
Product: Student loan

I received a letter on XX/XX/XXXX, from Mohela stating that I was granted student loan forgiveness. 
Introduction to the letter, " Congratulations! We completed our review of your repayment and qualifying employment history under the PSLF Program rules including the limited PSLF waiver explained below, and awarded PSLF credit based on these requirements. We determined you have successfully met the requirements of the PSLF Program and your loans listed below have been forgiven. Thank you for your public service! '' However, on XX/XX/XXXX, I received another letter that my account was placed on forbearance and another letter without a date stating that it was an error and a premature discharge. 

Introduction to the letter. 
" On XX/XX/XXXX, we sent you a letter in error stating we determined you successfully met the requirements of the Public Service Loan Forgiveness ( PSLF ) Program and your loan ( s ) had been forgiven. You should not have been sent a letter stating your loan ( s ) were forgiven as your loan ( s ) do not yet qualify to be forgiven. We now write to explain the error, the updates made to correct your account, and steps to take if you disagree with the correction. '' I want my loans to remain in forgiveness status as initially reported and congratulated for my service.
Product: Mortgage

BoA is attempting to charge us for insurance when we have already paid insurance directly to XXXX.
Product: Credit card or prepaid card

I have been using a service called XXXX which will give you a temporary card to use for purchases while then breaking the transaction up into 4 transactions charged over the course of 8 weeks. My main credit card is a Capital One credit card and they have suddenly decided they will not allow their cards to be used by XXXX, meaning I can no longer use XXXX.
Product: Consumer Loan

check 'n go is one of the worst compy 's to deal with ther pay sement is not that grate if you take out {$600.00} you have to pay back XXXX dallers. wich come back to them XXXX I think these comppy 's need to my put out of business ther herting people that pay in to are govment ssc. 

thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XXXX Experian Response below : A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Zales Comenity Capital Bank I made a purchase on XX/XX/XXXX when I opened the credit card. On XX/XX/XXXX I called customer service because it had been a month and i had not received a card or statement. I found that i had already accumulated two fees and interest. A late fee had been applied on XXXX, just XXXX XXXX days after opening the account. I made a payment for my entire purchase charge and requested reversal of fees and interest. I was offered a partial late fee courtesy. A {$15.00} credit was applied. I covered the purchase made on the card within XXXX days of opening the account, yet had a statement balance of {$65.00} which i have since covered. I was never told that my due date would be due in less than one month from opening the account. 

XX/XX/XXXX {$65.00} payment XX/XX/XXXX {$2.00} paper statement fee XX/XX/XXXX {$4.00} finance charge XX/XX/XXXX - {$2.00} credit XX/XX/XXXX {$1400.00} payment XX/XX/XXXX - {$15.00} credit XX/XX/XXXX {$2.00} paper statement fee XX/XX/XXXX {$42.00} finance XX/XX/XXXX {$30.00} late fee XX/XX/XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment loan account opened at XXXX XX/XX/XXXXXXXX XXXX on XX/XX/XXXX2023 under the account # XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I have XXXX Amex accounts - a business account and personal account. On XXXX/XXXX/XXXX, I redeemed Blue Cash Preferred Reward Dollars from my personal account for XXXX American Express Gift Cards totaling {$170.00}. The website would n't accept my billing address, a XXXX XXXX , as a shipping address so I called customer service. The agent said they do not ship gift cards to a XXXX XXXX . I explained that the USPS does n't deliver to my physical address. I also informed the agent that I received Amex gift cards in XXXX, using points from my XXXX Amex card, that were sent to my XXXX XXXX . The agent eventually agreed to ship the gift cards to my physical address via XXXX. I received an order confirmation via email ( attached ). On XXXX/XXXX/XXXX I received an email ( attached ) confirming shipment of the gift cards - but the tracking code link to the USPS did not work. I contacted Customer Service and began an endless process of being transferred from one department to another over a period of 3 weeks. I was informed that I must wait 7 - 10 business days for delivery. After waiting 10 business days I was informed that the cards actually shipped on XXXX/XXXX/XXXX so I needed to give them a few more days. Then I was asked to allow more time for delivery and if the cards did not arrive Amex would expedite replacement cards via XXXX. On XXXX/XXXX/XXXX I was informed that the cards never shipped and to allow 3 - 5 business days for an investigation ... I 've been an American Express member since XXXX and never had such a bad experience with customer service. Every call required starting over and many of the agents did n't listen to the details and did n't seem to care. A few of the Amex customer service agents I spoke with were very rude. I have consulted an attorney but have not retained his services yet.
Product: Mortgage

my husband passed away and he had credit life insurance so my mortgage should be paid off but loancare are still makin me pay and and they keep raising my house payment and now they are sayin I owe XXXX $ late fee which I do not I mailed and owe them nothin
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX believes that XXXX  XXXX XXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the Trans Union post attached, XXXX XXXX XXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX  XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX  XXXX has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX XXXX is violating its subscriber agreement with XXXX, XXXX and Trans Union respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX
Product: Credit card

Discover Card has a period between the due date on the XXXX of the month and the end of the billing cycle on the XXXX where they will charge a late fee on the card, but they do not credit the payment towards the next month. If your payment arrives on the XXXX of the month you are charged a {$35.00} late fee, but they do not credit you towards the next month 's billing cycle. If you pay the XXXX on the following month you get another late fee because the payment from the previous month is not on the new month and the payment is considered late again. This will continue to happen until you make a payment after the XXXX!
Product: Credit reporting

I have tried to get my student loan status updated since XXXX 2015 at which time I was approved for a XXXX Discharge with the Department of Education. I have disputed these accounts with Equifax several times to no avail. They have violated the FCRA by continuing to report inaccurate information on my credit report. I spoke with XXXX XXXX Department and they once again reported my student loan accounts as paid in full on XXXX XXXX, 2015. As to date Equifax has failed to update my credit reports, I am now requesting all student loans on my credit reports to be deleted as they have continued to cause me financial harm by violating the FCRA.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased six travel tickets from XXXX for {$450.00} each. Due to COVID the flight was cancelled therefore I opened a dispute with CITI bank for a total of XXXX. I received a conditional credit on my XXXX statement for all six tickets. I contacted XXXX and they confirmed the tickets would be refunded back to my CITI credit card therefore I withdrew my dispute and CITI reversed the conditional credit on my XXXX statement. On XX/XX/XXXX I received six email confirmations from XXXX showing that all six credits were applied back to my CITI credit card. 
However, when I received my XXXX statement there were only credits for 5 tickets. Three of the credits are noted as Citibank credit for dispute and two tickets as credits from XXXX. 
I have tried contacting CITI bank numerous times regarding the outstanding credit but I keep getting different stories everytime I call. I was told by a CITI account manager that XXXX did not process the sixth credit therefore I would need to contact XXXX. I called XXXX and they confirmed all credits were shown as refunded to CITI and they even agreed to a three way call with CITI to resolve the issue. CITI was not cooperative and I was told there was nothing they can do because the investigative team is a third party and I would need to wait 7-10 business days for an answer.

Each and every single time I called CITI I was told to wait 7-10 business days in order to get a response. We are now going on four months and I have not been able to resolve this issue with CITI. They are holding my {$450.00} credit and have not applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last month, 2 student loans were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. XXXX and XXXX removed both accounts from my credit reports as soon as I filed the disputes. Within minutes of filing the disputes. Equifax on the other hand did not. Ive filed multiple disputes with Equifax regarding these 2 accounts and they keep saying the information is accurate and wont remove these accounts from my credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have the first reported delinquency as XX/XX/XXXX. This is inaccurate. These accounts are over XXXX XXXX XXXX, and the first reported delinquencies happened over 18 years ago. Once I filed the first dispute they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT # - XXXX Principal - {$3000.00} Interest - {$2400.00} Total Balance - {$5400.00} LXXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/XXXX Current debt Holder - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX debt holder - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX ACCOUNT # - XXXX Principal - {$4500.00} Interest - {$3600.00} Total Balance - {$8100.00} XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Equifax have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. 

But that is all incorrect! As XXXX XXXX  can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report that incorrect information to XXXX and Equifax, and there was never a delinquent nor overdue. 

XXXX XXXX  has fixed the mistake, but XXXX and Equifax continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So XXXX and Equifax should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.
Product: Checking or savings account

On XX/XX/2022 in the morning i tried to login into my bank via the chase app. A messaged popped up preventing me from logging in saying my accounts have been blocked and i would need to contact the XXXX number for assistance. I called the number and was told my bank accounts were closed and they wouldnt tell me why nor did they notify me in advance. I have no way have accessing my money or withdrawing it. So i went to a local branch and tried to figure out if they would be able to help. In short, they had to call the same number and they got the same response and was told by my banker that they couldnt do anything. My banker said i would be receiving my money in 10 business days via check. The problem is that other people have had theses issues with chase as well and have had a hard time getting their money back unless they filed a complaint with the FDIC etc. Im afraid my direct deposit/payroll this friday XX/XX/2022 ) may go through my chase account as well because it takes 1-2 pay cycles for XXXX  payroll to deposit to a different bank i had to create an account with. In total as of today my bank has XXXX or so thats mine waiting to be mailed out. If my payroll goes through to my chase account it will be another {$2300.00} or so as well. I need this resolved, i can not afford to wait over 2 weeks for a check or longer. Thank you.
Product: Checking or savings account

I went inside bank and they assured me they would fix account never did I just closed my account and stop banking with them
Product: Debt collection

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
Product: Prepaid card

I went to a aPnc atm at XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX at approximately XXXXXXXX XXXX to withdraw XXXX dollars from my XXXX XXXX account. The atm gave off an error message saying the transaction was declined but upon checking my account, the transaction went through and was approved for withdrawal. I spoke with store manager who then ran the cameras back to see if I was lying. He confirmed I wasnt and contacted the atms customer service number. They told me to call my bank. I can not get in contact with the bank and pnc said they dont own atms.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report and paying down over {$7000.00} in debt, my credit score keeps dropping lower and lower. I recently found out that a close friend of mine is using my information which shows on my credit report. For what in do not know. But his name appears on the XXXX website and I have prodd of this. My ssn is off by XXXX number or my last name being changed by XXXX letter. Theres also a XXXX Credit card in my name which I did not open. I asked for these to be removed and they still show up. Plus I had a XXXX XXXX card cancelled because of a low credit score and I paid the min payment weekly. Not monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you
Product: Debt collection

DESIGNED RECEIVABLES HAS BEEN TRYING TO COLLECT MEDICAL DEBT FOR UNKNOWN DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THERE ARE MULTIPLE COLLECTION ACCOUNTS OF {$980.00}, {$1700.00}, {$2000.00}, AND {$4800.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Product: Credit card or prepaid card

I paid off my entire balance owed prior to my XX/XX/XXXX bill being due, and capital one Billed me just over 20 dollars for interest saying it was interest owed from before i paid my balance, however the balance was at XXXX when they added the interest, i paid all the charges that were there on the account i feel they should not have ability t0 add charges to a XXXX balance, my papers when i opened the account stated that no fees would be added to a XXXX balance if i kept it paid, and that was my understanding so if I'm wrong and misunderstood that, well i know now they carry interest per day of the month and my bill may not reflect the totality of what is owed on a given day however this was not my understanding prior to seeing these charges and i feel it ridiculous that i should pay this fee. I never ask for much but i want this charge reversed, i paid this to XXXX and believed it was to remain at XXXX until i used the card again, or until they billed the yearly fees again, in no way did i expect another interest charge to be added and I'm very disappointed that they refused to work with me and remove the charge when i called i was not rude or vulgar or impatient i just don't understand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my XXXX XXXX and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, Experian, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX