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

My Equifax credit report apparently had a FREEZE on it. I never ordered a freeze on it, so I asked them to lift the freeze. They said I needed to mail in two forms of ID. I mailed in the two forms of ID to the address they indicated on their letter. I did this in XXXX of XXXX 
I then received a letter in early XXXX which was the same letter asking me to send in two forms of ID. I did the same thing again and mailed it into them.

I just received another letter that is the same as the last two asking that I send in two more forms of ID to the same address. Calling them resolves nothing. 

This is a total waste of my time and I want my Equifax credit account UNFROZEN. This is not a big deal and should be easy to do.
Product: Credit card or prepaid card

On XX/XX/2022, I took a trip to XXXX XXXX XXXX, since the flight was delayed, and the car rental company we booked was closed when I landed around XXXX XXXX the next day, I decided to rent a car for one day with XXXX  car rental at the airport, the cost for one day was {$120.00}, plus fees and tax, so the total should be around {$180.00} ( see attachment 1 ). I returned the car the same day XX/XX/2022 around XXXX XXXX a total time of XXXX hrs, then I found out after the trip that we were charged {$840.00}, around {$670.00} more than I was expected ( see attachment 2 ). Based on the receipt, the extra {$670.00} was because I was charged a {$500.00} fee on extension and tax and fees associated with it. Later, I started a dispute with Chase over the transaction, but chase failed to protect its customer, believed this was valid. It shows clearly on the receipt that the overstay/extension fee is $ XXXX ( highlighted in red in attachment 2, I only rent the car for around XXXX XXXX and returned it the same day. Why the extension charge was valid?
Product: Credit card or prepaid card

Early this year ( in XX/XX/XXXX ), I closed other credit cards I did not need that I had with Bank of America. I just started using one personal credit card I kept that was with Bank of America. I recently added few additional users to this account. Bank of America suddenly forced closed my credit card account without contacting me or any other communication. I had this credit card since year XXXX and had a credit limit of {$70000.00}. Current balance on this card is less than XXXX  XXXX dollars. This credit card and my business card both are set to have automatic withdrawal from my business checking account with Bank of America with always a decent balance. My current XXXX  score is about XXXX out of XXXX. I never missed one payment either on this credit card or any other credit card. I had plans to start using this credit card from now on. They also closed my business credit card while closing this account. It is extremely unfair what they did. I called them to find the reason why they closed. Agent could not answer. They said, they sent a letter to me. I appreciate your esteemed organization contact Bank of American reestablish this credit card ( Number XXXX XXXX XXXX XXXX ) and my business card ( Number XXXX XXXX XXXX XXXX ) effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items on my credit report multiple times I have not received any verifying documentation from the three credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter immediately
Product: Checking or savings account

Some Fraudulent activity was with my Business Checking Account with Wells Fargo. 

A little over {$2000.00} we taken from my account I have reported it to Wells Fargo within 90 days. 

Wells Fargo refused to reimburse the funds.
Product: Debt collection

Had An Account With XXXX A Few Years Ago But I Changed My Mind And Decided To Close This Account Like With In 30 Days! I Paid All My Balance Owed On This Account At That Time! Now A Few Years Later Their Trying To Collect The Amount Of {$39.00} From Me And It Shows On My Credit Report That The Account Is Open??! This Is All Wrong!!! Have n't Heard From Them In Two Years And Now Their Trying To Collect Something I Do Not Owe!!!!
Product: Checking or savings account

I called to dispute a transaction that occuree on XXXXXXXX  for XXXX they said they dont see it but also cant tell me where all my money went in my back account i tried to call 10 times and they always blow me off telling me no sup is available and to email them instead. I want my money back for something i did not authorize. I asked for a sup multiple times and they tell me no sups are available to call back on XXXX  but they still have my money and cant tell me where it went. I want my money back yesterday
Product: Checking or savings account

I have 4 unauthorized transactions that were processed on my card while I was hospitalized due to XXXX XXXX. 
XXXX - XX/XX/2021 - {$310.00} XXXX - XX/XX/2021 - {$100.00} XXXX  XXXX - {$160.00} & {$130.00} I have reached out to the banking institution and merchants with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, have attempted to resolve this issue with Experian for several months. Experian continues to say that these items are verified. Because Experian did not uphold their grave responsibility to me, the consumer, to ensure I have a fair and accurate consumer profile, I reached out to the company in question directly. I have proof from the USPS that the account they claim has been verified, doesn't even exist. Please explain how an account can be verified when the postal service can't even locate the company in question. I have attached the return to sender notice. Even if this account did belong to me, Experian is allowing inaccurate information to be reported on this account. This is now harassment on behalf of Experian. For months, I have asked for proof in accordance with 15 USC 1681g - Disclosure to consumers. Nothing has been sent by Experian providing proof. I have sent Experian an affidavit via registered mail and still, Experian has not removed this random account. I am asking for the removal of the account that Experian can't verify and is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have returned the Vehicle on XX/XX/2021 and the leasing company still has not close the account. I tried to pay the bill to stay on time but they denied my payment and returned me the money. The account is now showing XXXX late payment and account still open. They received all paper work required from me and said it would only take 3 days for the account to be close. The account was suppose to be closed under SCRA Benefits and is been more than two weeks. I faxed the paper work again on XX/XX/XXXX and it was confirm by someone on the phone. For this my credit is showing a delinquency and has drop by more than 100 points. I want the acount to be close already and for the late payment to be fixed on my credit report
Product: Student loan

I am enrolled in the Public Student Loan Forgiveness program ( PSLF ). In XX/XX/2021, I submitted a paper ECF because my employer was not listed in the PSLF tool. It is a state agency. On XX/XX/2021, I sent in another ECF using the PSLF tool because my employer was now listed in the tool. The months of XXXX and XX/XX/2021 were certified within a week ( with the same employer! ). The months of XXXX and XX/XX/2021 are not certified because they were sent via paper application. I have 118 payments qualified for forgiveness and 123 in total. The delay in the XXXX and XX/XX/2021 certifications are causing a delay in my forgiveness. 

During the time it has taken for Fedloan and FSA to review my certifications, I have reached two additional payments eligible for certification. I am frustrated and concerned about a delay in my forgiveness due to a bureaucratic and illogical delay in my certification. My concern is increased with the forbearance due to Covid-19 being up in XXXX and with the news that PHEAA will end its service contract in XX/XX/2021. 

Please provide assistance in expediting my matter. I already have a FSA complaint and they have not assisted me in a timely fashion. Thank you.
Product: Credit card or prepaid card

I called in on XX/XX/23 to transfer XXXX off my XXXX XXXX to my XXXX XXXX card. I was told that was completed then transferred to a supervisor to close the card. I closed the card with the understanding that the XXXX had been transferred. Later on, I realized the XXXX had not been transferred so I called back and spoke to another supervisor whom stated they would re-instate the account. I looked several hours later and it was still showing as closed. I just got off the phone at around XXXX est with a rude and aggressive employee whom wouldn't transfer me to a supervisor and acted like they knew what happened in those calls. They told me that my account would not be re-instated and that I had to wait for letters. I have a XXXX card with an XXXX limit and there was no reason to deny my request to shift the credit limit. Now American Express closed my card based on a lie that XXXX had been transferred, then lied again when I called back to re-open and now the card is showing as closed and my XXXX line is gone now. I was told a supervisor would call me back, it has been 3 days and still no call. Just like I told the last representative, I knew there would be no call back. American Express lied during the closing, unfairly didn't transfer the XXXX limit to the other card, had another employee lie about me losing the points, another employee whom was a manager tell me it would be re-opened. Please listen to all calls on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX accounts. The Credit limits per the agent were XXXX, and XXXX and you have them both listed as XXXX as well. So that is incorrect. The accounts are fraudulent too and they said Transunion knowingly allows fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information in my file. The items I need deleted are listed in the report am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to up properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Experian consistently responds with in 24 hours stating that the accounts are accurate., without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consume Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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 XXXX XXXX XXXX XXXX XXXX  as proof from the XXXX 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 reporting, credit repair services, or other personal consumer reports

Discover is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Discover failed to perform their obligation to respect and protect my privacy. Discover failed to provide me an adequate opt out notice and Ive NEVER granted Discover any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Discover actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Discover breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Discover to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Discover is required to comply with this opt out notice upon receipt and comply with the follow
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Product: Debt collection

[ XXXX ] Capital one [ Resurgent acquisition ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Subject : Dispute of Hidden Fees, Account Closure, and Debt Sale Dear Capital one I am writing to formally dispute the charges and handling of my account I am deeply concerned about several issues regarding the hidden fees, the closure of my account, and the subsequent sale of my debt to a third-party debt collector. 

To provide context, on [ specific date ], I noticed a charge of {$1100.00} on my statement that was not disclosed or communicated to me. This lack of transparency is troubling and has led to unexpected financial strain. 

Furthermore, on XXXX, without prior notice or a reasonable explanation, my account was abruptly closed. This action has not only affected my credit score but has also caused significant inconvenience and stress. Following the account closure, on [ specific date ], I was informed that my debt amounting to [ $ amount ] had been sold to [ name of third-party debt collector ]. This was done without proper communication or disclosure, leaving me in the dark about the status of my debt. 

I am requesting the following actions to be taken immediately : XXXX. A detailed explanation of all the charges and fees applied to my account, including the {XXXX} charge on XXXX XXXX. An investigation into the hidden fees and why they were not disclosed appropriately. 
3. Reinstatement of my account with a clear and transparent breakdown of any legitimate charges.

4. Clarification on the sale of my debt, including the terms under which it was sold and the identity of [ name of third-party debt collector ].

5. Rectification of any negative impact this situation has had on my credit report. 

I believe that as a customer, I deserve transparency and fair treatment. I am hopeful that this matter can be resolved amicably and promptly. 

Please acknowledge receipt of this letter and provide a response within 14 days. I am confident that we can address these issues satisfactorily and restore my faith in your companys services. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax
Product: Credit card or prepaid card

On XX/XX/XXXX I signed up with XXXX XXXX XXXX Client Number XXXX due to my financial hardship. JCPenney 's Department store was listed as one of my debts. JCPenney 's has accepted two payments from XXXX XXXX thus far for the sum amount of {$19.00} each month. After accepting payments JCPenney 's is declining the proposal XXXX XXXX XXXX sent to them due to terms and conditions I never signed or authorized JCPenney 's to enroll me into one of their internal programs. JCPenney 's is attempting to force me the consumer into a program I never signed up for. As of XX/XX/XXXX it was stated to me by a JCPenney 's employee that I was not eligible for Debt Management because I account was coded set up for a particular program I have no idea or have ever been notified about. XXXX XXXX XXXX has sent another proposal after JCPenney 's stated because I missed two payment my account was removed from the program. XXXX XXXX sent another payment in XX/XX/XXXXof {$19.00} JCPenney 's accepted the payment then denied the proposal again. As the Fair Credit Act states, I have a right as a consumer to have a certified consumer debit counselor assist me with my financial hardships. I live on a fix minimum income because I am a XXXX XXXX ( XXXX ) barely making ends meets. JCPenney 's has treated to place my account in collection, continue to compound interest daily without allowing me my fair credit rights causing a more financial hardship burden for me. I wanted to have this matter thoroughly investigated, because I do n't know my rights, I need assistance with this matter. XXXX XXXX XXXX has all the recording from the back and forth with JCPenney 's Credit Department. First stating the proposal might me excepted, but their was no guarantee. As of today, JCPenney 's is stating that they only allow one program per card. I only have one existing credit card with JCPenney 's. Furthermore, I never signed my signature or excepting verbally or in writing any type or form of a program with JCPenney 's Department Store. Synchrony Bank/JCP.
Product: Credit reporting or other personal consumer reports

I had filed a complaint on XX/XX/year> with the Consumer Financial Protection Bureau against Transunion LLC. I have wrote this company four times with copies of my identification, Social Security card and court order showing my correct legal name. They continue to show a suffix of XXXX on my name, which is not correct. 

After filing the original complaint ( XXXX ) Transunion retaliated by locking my credit report and not allowing me access to it. I am unable to login to check my credit report or add or remove a credit freeze as required by law.
Product: Credit reporting or other personal consumer reports

i was surprised to see all of these accounts on my credit report that werent mine i discovered that someone stole my identity and tried to obtain medical coverage in my name the following account are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there are 3 inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX