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

I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, XXXX  and TransUnion are still not properly reporting my XXXX XXXX account. XXXX  is not reporting the full history of my account ( they are only reporting from XXXX to present ) and TransUnion is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my XXXX  and TransUnion credit score. I have tried calling TransUnion directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on my credit report.
Product: Vehicle loan or lease

I have been trying for months to get the due date changed on the account. Capital One Auto Finance refuses to do so claiming it is not possible. The loan company knows that I do not get paid until the first of the month. I am a XXXX veteran at XXXX % XXXX as rated by the Department of Veteran 's Affairs. This is causing larger and larger amounts of interest to be assessed by the loan company and they know this. They are utilizing this to get more money from me in the end. I need the CFPB to help get this resolved as they are refusing to do so.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I have XXXX checking accounts and have been charged a total of {$720.00} from the year of XXXX for non-sufficient funds. After Had the same problem in XX/XX/XXXX even though NFCU was supposed to stop charging NSF fees effective XXXX. I called and it was reversed. NFCU is still practicing unfair charges and fees. The NSF fees show as a debit transaction online ; however the email says returned check. If funds are unavailable it should be declined as if Im using a debit card for a purchase. Navy Federal advertisements for a fresh start with a fresh start checking account for people with bad credit is misleading. I filed a XXXX XXXX XXXX which was XXXX in XXXX. What they dont tell you is you will be banned from credit products from NFCU forever ( unless you pay them back every penny ). No matter how long ago. They will also flag you in the system everytime you login from the mobile app or desktop browser. The notice/warning is very upfront and in your face. It is there for auto denial and will not be removed. With that being said they should tell those who are blacklisted and remove the option to apply for those with the flag so that we do not apply for credit and loans to prevent hard inquiries on our credit report. So they do not give second chances. One of the options to avoid NSF fees says to apply for overdraft protection ( OOPS ) which also states it does not do a credit check for approval. That is also false as I was denied. It should state clearly that those members who are flagged do not qualify for overdraft protection. In my situation, once that XXXX XXXX XXXX was XXXX in XXXX the debt owed to Navy Federal is considered paid off, meaning they can no longer collect on it so how can I pay them back? Its discriminatory and unfair as we deserve a second chances.
Product: Credit reporting

i requested my equifax report XXXX initially XX/XX/XXXX. at that time i learned that a family member was using my credit fraudulently. i immediately contacted equifax via snail mail XXXX and online. i later reviewed my equifax report XX/XX/XXXX and learned that no changes where made. i emailed the company again on XXXX occasions the only answer ive received at this point is that they didnt recieve the initial complaint but the new complaint is being investigated. my complaint is, equifax is in violation of federal law each day that goes by reporting false information. the problem is they know us consumers have no legitimate recourse to insure they operate within those laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Paypal.com closed my account but refuses to give specific reason. No ability to appeal. I have no idea what I did or what part of their terms I allegedly violated. 

" You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} 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 # ( private case number ) 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 reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX
Product: Prepaid card

The US Bank ReliaCard will not allow me to transfer any money out of my US Bank ReliaCard account to any other account. When on the " Manage Money '' page in my account, the " Card to Card Transfer '' in the " Quick Link '' box does not work. In fact, every time I select it, it simultaneously logs me out of my account and opens a new page with the message : " Session Time Out. For your security, your online session has timed out. Please exit this window. ( If you were logged on to your account, please log on again. ) '' No matter how many times I try, this is always the end result. Which prohibits me from being able to move my unemployment compensation out of my mandated US Bank ReliaCard account and into my personal checking and savings account.

I've uploaded documents to my account to show proof of identity, which has done nothing to correct the issue. And have spent upwards of XXXX hours on the phone with the company being transferred over and over and over again, only to for them to hang up on me XXXX hours into the phone call, with no solutions.
Product: Checking or savings account

I have an account with Albert ( managed by XXXX XXXX  ). They advertised a promotion where if I referred another person to become an Albert customer and they met certain requirements, they would receive a {$150.00} bonus, and I would also receive a {$150.00} bonus.

She met all of the requirements, and her bonus was posted to her account. I reached out to Albert customer service to inquire when my bonus would pay out. From the start, Albert seemed intent on making sure they didn't have to pay my referral bonus as promised.

- They first responded that the person I referred had not completed their requirements. I explained to them that this wasn't true because her bonus had already posted to her account.

- The next excuse was that she hadn't done it within 150 days. I also explained that was not true.

- The next excuse was that she had deactivated her account. Also not true. She had actively used the account as recently as two days prior. 
- They then asked to have her reach out to customer support to have them investigate on her account. She did, and everything checked out on her side. The agent verified the referral link was correct and that she had successfully completed all of the requirements to earn the bonus ( which are also what she needed to do for me to earn the referral ). They informed her that I should continue with customer support on my account- When I reached back out to continue with customer support, they once again claimed that she had not met the requirements. I again proved that to be incorrect. 
- The final excuse was that their system did not show that she was referred as a customer and claim that she must have applied without a referral link, and there was nothing more that they could do. I know this to be 100 % false, as I sent the link and helped her in applying/signing up while sitting right next to her. All steps were completed correctly and completely. 

I'm not sure what you call this ... bait-and-switch, false/unlawful advertising, etc. At best, these are questionable business practices to make a promise to obtain new customers, then not follow through on those promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately and is marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding   Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Vehicle loan or lease

I called and talked to XXXX ( test id : XXXX ) and she advised me to report Bridgecrest to the CFPB XXXX XXXX did not have the entire contract signed the night of the vehicle purchase. The repossession should be removed due to unfair business practices. The dealership had an incomplete contract and instead of having all necessary documents signed they printed out ancillary paperwork to upsale services that I did not request ( GPS tracking and XXXX radio etc ) and they would not remove them after I said that I didnt want them instead advising that I should request to remove them afterward which I did do. When I called to remove the ancillaries the agent advised me that XXXX had been frequently using high pressure sales and unfair business practices to enroll consumers in unwanted services. It wasnt until later in the week when I returned to have an expired inspection sticker replaced or something when another dealer brought the missing pages of the sales contract outside for me to sign ( I guess management noticed after the fact that they were out of compliance and forgot to have me sign the necessary paperwork ). I requested the contract to be emailed from XXXX at Bridgecrest which she said could take XXXX hours. I want the repossession removed from my credit due to unfair business practices and a possible incomplete contract.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the XXXX date breach
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 

XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I booked a flight to Hawaii through XXXX XXXX. Upon checking out, I was offered a XXXX credit if I applied for an XXXX XXXX credit card. I applied for the card, but did not see my XXXX credit after 90 days and after I spent over XXXX. I called the card company on XX/XX/XXXX and spoke to XXXX who registered an inquiry. On XX/XX/XXXX, I received a letter with instructions to call to discuss my case. Upon calling the credit card company, I learned that I had inadvertently opted for a no annual fee, so I did not qualify for the XXXX credit. I was not aware that I had to chose between the two because I would have obviously opted for the XXXX credit.My complaint is that the offer was ambiguous and deceptive. I never would have applied for the card if I wasn't getting a XXXX credit. The amount of time I have wasted plus the frustration has made this a very unpleasant experience.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some inaccurate accounts reporting
Product: Money transfer, virtual currency, or money service

I have been using Paypal for my freelance business for three years. I received a notification yesterday that they would start holding money I made over {$300.00} for up to 21 days. When I called to find out why, Paypal stated the account had been reviewed, but they couldn't give me specifics. I spoke to multiple supervisors and got the same answer : A review had been done of the account and they determined to hold any money I made over {$300.00} due to a " risk assessment. '' They told me that it could change during review next month, but they refuse to explain why, after three years, they are restricting my account. I've had no complaints or anything to warrant them placing holds on my account. From what I can gather, it appears that whoever looked at my account thought I was selling goods through Paypal that would allow customers to complain. However, I am a XXXX XXXX and XXXX XXXX XXXX XXXX. I don't even get paid until the services are complete, which eliminates the risk to Paypal. When they are holding my money, without cause, for 7-21 days, I'm unable to feed my family.
Product: Credit reporting or other personal consumer reports

Good morning unaware to me I am an authorized buyer on one of my relatives account and that account is XXXX 's legally I am not financially responsible XXXX that account and I am sure my aunt needed my parents permission which she did not have, I recently noticed this account on my credit report because I was applying for apartments and was denied I would like this account removed from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened up a Macy 's Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Macy 's credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. 

I hired a 3rd party company to try and dispute this. They reached out to Macy 's but all 1st Macy 's did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
Product: Credit card

XX/XX/2015 my card was stolen. Charges were flagged as fraudulent by a representative in the fraud department. I assumed all was resolved and I received a new card. I used the new card until being called again by the fraud department. At this point I cancelled that card and a XXXX card was issued. XXXX stolen cards show {$0.00} balances when viewed online. So I assumed the fraud was handled. I attempted to add in the new credit card to my online account to no avail and never recieved a statement. I called a half dozen times where I was rerouted to XXXX customer service and no one could access the account of give me any details relating to what was owed etc. On XX/XX/XXXX I finally reached someone who advised me that the fraud has not been removed? It is on the new XXXX card and that the payment is past due even-though I am on auto pay. I am being told that it was reported as late. They will not send a statement since the account is flagged for fraud? Please help.
Product: Debt collection

I first received a debt collection letter from Zions Debt Holdings in XXXX that said I owed {$0.00}. I didn't think anything of it because of the amount so I shredded that paper. Yesterday on XX/XX/XXXX I received another debt collection letter from Zions Debt Holdings that said I owed {$150.00}. I made contact with Zions Debt Holdings today XX/XX/XXXX and the representative I spoke with stated that I defaulted with XXXX and owe this amount to them. I told the representative that is not true, that I cancelled my service with XXXX XXXX XXXX once I was able to because I was locked in for a certain amount of time ( 3 years ). The representative asked if I had anything in writing- the cancellation request. I advised him no because I had called XXXX and cancelled the service. The Zions Debit Holdings representative told me that per the contract I signed it states it has to be in writing. Which I told him that I called XXXX XXXX XXXX and spoke with someone and cancelled the service. Which then at that point he threatened me that if I don't have proof of cancellation in writing that I am responsible for paying this debt. I told him that I am not going to pay it then hung up. Then I searched my email and found an email that I received from XXXX XXXX XXXX on XX/XX/XXXX that states : " Subject : We hate to see you go! 
We see you have cancelled your professional home monitoring with XXXX XXXX on XXXX. 

We hate to lose you as a valued customer and want to give you one more offer before you go. Call XXXX and speak to a customer care consultant who can create a customized home security offer exclusively for you. 

If you change your mind about professional home monitoring, we hope you will reach out to us for reactivation at XXXX " Once I found that email I called Zions Debt Holdings, spoke with same representative ( I forgot his name ) and told him that I found proof and read to him what the email states. 

He told me to forward the email to XXXX and that I should receive a response via email in 3 business days. 

So I did forward the email to that email he gave with a subject line of : " Reference # - XXXX| XXXX XXXX ''