23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

1 ) On XXXX XXXX, XXXX Chase Bank authorized a fraudulent check against my checking account for the amount of {$500.00}. This check was totally erroneous with an incorrect address and should not have been authorized. 2 ) Not only was {$500.00} stolen from me, it resulted in my mortgage payment being returned, accruing late fees and a {$34.00} insufficient funds charge from the bank. 3 ) I called to report the claim and have had to call multiple times, each time starting over and being told conflicting information on the status. 4 ) I finally received a letter from the bank dated XXXX XXXX, XXXX stating " We researched the transaction ( s ) your reported on XXXX/XXXX/XXXX and confirmed they were unauthorized. As a result, we credited your account {$500.00} on XXXX/XXXX/XXXX. '' 5 ) However, my account was not credited {$500.00} ; only the {$34.00} for the related insufficient funds charge. When I called the bank, I was told that was an error and they would reprocess and I should receive it within 10 days. That did not happen. 6 ) My last call to the bank was today. They are now saying that they sent the letter in error and are still investigating my claim. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX : XXXX XXXX XXXX  XXXX # XXXX ; XXXX XXXX XXXX # xxxxxxxx : XXXX XXXX # XXXX I looked at my TransUnion credit report on XX/XX/year> and notices some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverified information.

( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " Catalyst Mortgage. '' The text says in part, " I'm reaching out as we were notified by XXXX, XXXX and XXXX of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an XXXX number.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you JPMCB, 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 a personal credit card account opened at Chase Bank on XX/XX/year> with a balance of {$2200.00}. 

This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I do not recognize the aforementioned account. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me Furthermore, the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint 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: Debt collection

Garnished for {$2200.00} but no record of any account with that amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted FTC report # XXXX on XX/XX/XXXX disputing XXXX XXXX XXXX on my Trans Union credit report. The account was removed from my Trans Union account on XX/XX/XXXX, however, the account reappeared on my TU credit report once again on XX/XX/XXXX. This time the account status displays as a joint ownership instead of the previous individual owned account status. This account does not belong to me nor am I a joint or co-owner to this account and I'm once again requesting its removal. 

Extracted from a certified Affidavit sent to XXXX XXXX XXXX which they received on XX/XX/XXXX, and have yet to responded : XXXX XXXX XXXX must herein provide a true and certified original of the audit trail under penalties of perjury of said accounts, Pursuant to 15 USC 1692G of the FDCPA. Furthermore in order for XXXX XXXX to validate please provide verification through debt entry in accordance with XXXX, BASEL 3 accord and the XXXX Conventions. I would also need a certified copy of an original contract with my wet ink signature between XXXX XXXX XXXX and myself providing that XXXX XXXX XXXX is the holder in due course of the original debt contract and a certified copy of your tax registration certificate. 
Any certification not received by certified mail under penalty of perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under penalties of perjury please settle these accounts immediately with 10 days.
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 gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXXXXXX {$0.00}
Product: Credit card

I appear on an account that belongs to my ex husband. I called the issuer and they told me that they can't rwmove me.
Product: Debt collection

Aldous & Associates are representing XXXX XXXX  for a debt they claim I owe from XX/XX/XXXX. I cancelled my membership by calling the store in XXXX of XXXX and so should not have been charged the XXXX billing. I never received a phone call, e-mail or written letter from the legal firm and only found out about the debt being charged when applying for a home loan. I called Aldous & Associates and they did not give me enough information and refused to explain policy. They shared they tried to contact me and when they shared the information they had on file, the phone number and the e-mail was not correct, therefore, I never received any notice. They did not share details of my account and did not offer to send me a verification letter. They pressured me to just pay and kept hanging up the phone on me if I kept asking questions and not paying. I paid the debt but now realize that I shouldnt have and should have disputed it and will. Today is XX/XX/XXXX. I found out about the debt today. They sent it to my credit report on XX/XX/XXXX. The XXXX account charge was from XX/XX/XXXX when COVID hit. I cancelled my account with XXXX in XX/XX/XXXX so should not have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : BANK OF AMERICA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is over 100 inquiries on my credit report that is not linked to any account which lowers my score dramatically I want it to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America which we had deal with for many years charged a large bill on our account. This was XXXX or XX/XX/2021, we disputed the bill and they agreed it was fraud and put it off. Then it was put back on.We contacted them and they agreed and so on. They put it back on. It had charges out of our state. One day a couple of months ago a fellow said he knew we did the charge and refused to send copies or work with us.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from National Credit Systems Inc. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against National credit systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

CCS claims I owe {$780.00} to XXXX  XXXX. The policy with XXXX  was supposed to have been canceled on or around XX/XX/2021, it appears XXXX   rep ( s ) did not cancel as instructed, which is not my error. The amount they claim I owe appears to be for two months, XXXX and XXXX, coverage due to non cancellation as instructed.
Product: Mortgage

To Whom it may concern, I am a XXXX Veteran trying to sell my home for the last two years in South Carolina. I am divorced as of XXXX XXXX 2015 and the property that is to be sold is part of the settlement. We have a qualified buyer who wants the house, we where to close on the home on XXXX XXXX 2015. I have moved out of the house as of XXXX XXXX 2015, the house has to be sold do to my medical condition. I have XXXX. We have medical bills to pay and other divorce cost. The title for the house is not where it is surpose to be according to the closing attorney here in South Carolina and states to us seller and buyer that we can not sell the house because of this title mayhem. Wells Fargo is not helping in this matter at all. They just keep pasting the buck ... I have stopped payment on the house as of XXXX XXXX 2015 do to the fact I can not afford rent, mortgage, medical, and divorce cost. I have to be able to take care of me and my XXXX children. No one with Wells Fargo will try to help to do the right thing and solve this issue. We need help in the worst way before my credit is messed up. Please Help ...
Product: Checking or savings account

Chase has closed my account in XXXX, debit card numberXXXX and they told me there is only XXXX verified funds can be sent however, there are XXXX in my account. I did some small business in order to received them with senders confirmation, it makes no sense for my XXXX USD turns into XXXX.
Product: Credit card or prepaid card

Citi recently changed its rewards program for the XXXX XXXX XXXX. The changes include a {$250.00} air travel credit. The language on the terms and conditions implies that the credit for the year is valid throughXX/XX/XXXX of each year, which convinced me to keep the card and continue paying a high annual fee for it. 

However, after making a {$370.00} air fare purchase ( specifically due to this benefit ) on XXXX/XXXX/XXXX, the customer service department informed me that the XXXX credit expires on XXXX XXXX rather than at month end. This is intentionally confusing and designed to be mislead consumers into not being able to utilize the benefit.
Product: Mortgage

I am trying to get approved for a loan modification and I have sent the requested documents to wells Fargo Bank 4 times now and I keep getting letters stating I need to send the same documents I 've already sent. I have tried calling the specialist assigned to my account for help but she does n't answer her phone and never calls me back when I have left voice messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax
Product: Credit card or prepaid card

PayPal Credit in coordination with Synchrony Bank recently submitted me to collections asserting that I never made payments on a purchase that I made on XX/XX/. Not only did I pay off this debt TWICE ( proof will be attached ), but both PayPal Credit and Synchrony Bank refused to allow me access to my online account to obtain the necessary information to prove that I did pay this debt, and now I've paid in twice to get it off my credit score. This has negatively affected me as I was attempting to obtain a loan, which I did not get, and I have spent HOURS ON THE PHONE ONLY TO BE RIDICULED BY THEIR EMPLOYEES AND GASLIGHTED. This caused me extremely emotional and financial distress. Not only do I want a refund of my money, but I also want my credit fixed. I am a single mother who works very hard and pays all of my bills on time. I do not get reported to credit agencies for delinquent payments as I generally set up autopay. Now my credit went down by XXXX points and I can not obtain a loan. This bank needs to be punished and they need to rectify my situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Mortgage

I had a home equity loan with Citimortgage and 6 years ago I was given a loan extension. The information on their website ( and information that I was given ) stated that the interest was due by XX/XX/XXXX. The balance on the original loan was paid off in XX/XX/XXXX ; however, Citimortgage chose to not credit this payment because " their system '' would n't allow for this to happen. I continued to pay at least my normal payment until the balance of the extension interest was paid in full in XX/XX/XXXX. Then " their system '' allowed for my payments to be credited to the account. My credit report shows 5 months of missed payments when in fact there were XXXX months of missed payments. I paid everything per their agreement and this should be reflected as on time payments until the account was closed. I contacted Citibank throughout the process and employees said that they agree with me but there is nothing that they can do for me because their system wo n't allow it.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 
XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance {$11000.00}
Product: Credit reporting or other personal consumer reports

I recently received a report informing me that my SSN, DOB, and driver 's license number was found on the XXXX XXXX XXXX in XX/XX/XXXX due to a XXXX XXXX in XX/XX/XXXX. I pulled my XXXX credit report and see that on XX/XX/XXXX a soft and hard inquiry was made by Greensky Installment, which I did not make. I've contacted XXXX to explain the breach and to report the non-authorized inquiry. They have set up a Fraud Alert on my account and will start the process of removing the fraudulent inquiry, XXXX has advised me to contact you, the Federal Trade Commission to report the fraud.
Product: Debt collection

Credit Collection Service placed account on in my credit file without notifying me. In my previous dispute to them, I advised them that they are in violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify consumer by mail before placing negative items on their credit reports. Moreover, Credit Collection Service are in violation of FACTA section 623 ( A ) ( 7 ) because they did not remove the items off my credit report.
Product: Credit reporting or other personal consumer reports

I am notifying you that I sent a certified letter on XX/XX/year>, addressing inaccurate and unverifiable information on my credit report. Despite my request, you have failed to provide verification or documentation for the following accounts : XXXX XXXX XXXX Ser ( Account Number : XXXX ), involving repossession without court approval in violation of XXXX XXXX XXXX XXXX ; COMPLCREDI ( Account Number : XXXX ), which is unverified and past the statute of limitations in Texas ; and XXXX XXXX XXXX TX ( Account Number : XXXX ), for which no proof of debt has been provided. Your failure to comply with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( 5 ) and 1681i ( 7 ), by not deleting unverifiable information or providing a valid method of verification, requires immediate correction. These creditors have failed to verify this information you are reporting. I demand that these accounts be removed promptly to avoid further legal action under FCRA Sections 616 and 617.
Product: Credit card

Air travel tickets for party of 3 were booked through CapitalOne travel using Capital one VentureX credit card on XX/XX/2023. Due to personal reasons, tickets had to be rescheduled. Due to incorrect information provided by the customer service we had to cancel our reservation. On trying to re-book our travel using the airline credit provided, the price was higher than making a new reservation on CapitalOne travel website. The customer support could not help us as to why price was higher and gave complete wrong information or just hung-up without any solution. We had to spend more than {$6000.00} to rebook new tickets for no fault of ours. We were advised by customer service to file claim with credit card ( Capital one VentureX ) for the initial transaction. Capital One credit card fraud department rejected the claim even on providing adequate documentation and information. They also mentioned that they can't work against their own company ( merchant here ) and asked us to solve the issue with Capital one travel directly. CapitalOne travel refused to work on this issue.

A few months later, one of the tickets ( XXXX ) for the party of 3 had to be rescheduled. The customer support had no clue how this was to be done and gave completely wrong information. This resulted in us going back and forth with less than XXXX for our travel. Again, with wrong information and hugh-up calls from customer service, we had to spend more money to re-book ticket. We had to spend more than {$500.00} and hours on call with CapitalOne. CapitalOne agreed it was their mistake and offered to pay {$100.00} as compensation, which was refused by us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts with XXXX XXXX XXXX XXXX ON MY CREDIT. I don't owe these accounts. I contacted XXXX XXXX. They gave me a letter showing that they are indeed paid and they asked all three Bureaus to delete it from my credit file. Equifax is the only bureau that refuse to delete it from my credit. I sent the letter from the agency and the agency asked them to remove the account, yet Equifax continue to report it on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX inquiries in my credit file that I did not authorize. This company has failed to delete inaccurate or unauthorized inquiries in my credit file. It is extremely damaging to my credit and character and can prevent me from obtaining credit in the near future.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.