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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2024, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Disputed Information : Date of Last Activity : It shows XX/XX/2024, which might be inconsistent if the account has already been closed or hasnt had recent activity. 
It is marked as " Derogatory '', but the balance is {$0.00}, and the account is closed. This could be inconsistent, as an account with no balance should not have a derogatory rating. 
TransUnion categorizes the account as " Savings and Loan Companies '', while other agencies classify it as " Personal Loan Companies '' or " Auto Financing. '' This classification might be incorrect if the loan wasnt from a savings and loan institution. 
Payment History : It states " None Reported, '' which could be inaccurate if the account had payment activity before being closed. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I have completed all payments, but it still shows as an open collection on my credit report.
Product: Credit card or prepaid card

I applied for Capital One credit card on XXXX XXXX 2020. 

I have excellent credit score and I am very well financially stable, zero debt in whole life. 

Capital One did not approve my application and sent me a letter to contact them for verification. 

Capital One called me on XXXX XXXX 2020 and asked me to upload my Driver License over the phone, which I did. They sent me a link thru sms, and I uploaded my driver license back side and front side. 

My Driver license expired this XX/XX/2020, when COVID-19 was at peak. Due to COVID-19, Ohio has extended Driving Licenses Validity for 6 month, so my driver license is still a valid document in Ohio. 

Capital One 's goal is to verify the identity of the applicant, which I did by providing all the documents they asked. More over, my driver license has matching address and I provided my application id, which they sent me thru postal mail. 

On XXXX XXXX, 2020, I spoke with XXXX and XXXX, but still Capital One is giving me hassle to send more documents My question to Capital One is : while I have excellent credit score, zero debt and never paid late for any card, moreover I provided identity verification that still why are you giving this much a hassle to a senior citizen? Are you giving me a loan or are you giving me a just simple credit card? 

Shame on Capital One for developing a such system and handling cases like a robo.
Product: Debt collection

Services were not authorized. I do not live in the state of Missouri. Collection agency never contacted me in writing about these multiple fraudulent debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 4 MONTHS since my last complaint about receiving my CREDIT " FILE '' and Transunion still has not sent it to me at all. They only sent me my ''CREDIT REPORT '' and at this point are playing games with me. If TRANSUNION does not send me my ''FILE '', also known as CREDIT FILE, within seven days of seeing this complaint LITIGATION WILL BE BROUGHT UPON THEM IMMEDIATELY!! TRANSUNION is now in violation of 15 USC 1681g ( a ) and 15 USC 1681g ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX XXXX  XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

I took out a loan with Specialized Loan Servicing in XXXX of XXXX. My approximate loan rate was 7 % and my approximate payment was {$660.00}. Fast forward to XXXX of XXXX, I made a payment of {$820.00} on XX/XX/XXXX, I made a payment of {$630.00} on XX/XX/XXXX and a payment of {$740.00} on XX/XX/XXXX. Due to the current interest rate over 14 % with XXXX, I looked into refinancing into a fixed rate loan. I was told I had a 30 day late in XXXX of XXXX and a 30 day late in XXXX of XXXX, so my refinance was declined. I reached out to SLS several times to request that they remove one of the 30 day late. I was denied this request. I do not understand how a company can take a payment and still penalize me with a 30 day late. When I spoke to a person in their credit department, I was told this is their internal policy and there was nothing I could do about it. I have never had a heloc loan. I have had near perfect credit most of my adult life. Now I feel helpless in this situation as I was told there is nothing I can do to fix this issue.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX  - XXXX To Whom it may concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account XXXX - XXXX on my credit report. It has come to my attention that there are multiple clear breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account, and I am requesting immediate action to address this issue. 

I am formally demanding a comprehensive debt validation, which necessitates the provision of the following details : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself pertaining to the account XXXX - XXXX. 
Original Creditor : Clearly disclose the name and contact information of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account XXXX - XXXX was initially established. 
Date of Last Payment : Provide the exact date of the last payment made in connection with this account. 
Date Account Was Closed : Indicate the date on which the account XXXX - XXXX was formally closed. 
I am fully aware of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I am insisting on a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to take such action. 

I anticipate a timely response, along with the requested documentation, to be transmitted through the CFPB portal. Additionally, I request that any corrections made to my credit report are promptly reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00} XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Product: Debt collection

The Bureus Inc XX/XX/2016 {$800.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through experian.However I never received any email or mail regarding such bill.
Product: Credit card

I have/had a Gap credit card since XX/XX/XXXX, which I have paid on time until recently, when I had a family emergency for which I had to leave the country for an extended period of time. As a result, I fell behind on my card payments for XXXX and XXXX. The outstanding balance at the time was {$140.00} of the {$300.00} credit limit ; then the outstanding balance went up to {$410.00}. About a week ago I went online to pay and bring my account current and thought everything was fine until recently, through credit monitoring, I found out that the company closed the account unknowing to me. As a result of this my credit score was seriously impacted. I called the company today XX/XX/XXXX to get a copy of their written policy/cc agreement showing how/when they go about closing an account, and was told they do not have a written policy, but review the account after 60 days and them make a decision. 
I am a XXXX year old trying to work and continue my education at the same time. I consider myself to be financially responsible. I had no idea that the card would be closed without any prior notice. I am now placed in a predicament because I need get a car to get to and from school and work and my credit score went so low that I will get excessively high interest rates, an may no longer be able to afford a payment for a reliable car. In addition, I am not sure how that will affect my ability to get a student loan. Not to mention if I do get a car I will also have to get insurance which will be higher because of my now very low credit score. 
Before this incident I had a XXXX score of almost XXXX now it 's down in the XXXX 's. I do not understand how I could have been penalized so drastically for XXXX credit card with a {$300.00} credit limit. I am being treated like I had a bankruptcy or foreclosure. This is not fair I have a good payment history with my other cards. What basis did they use to make the decision to close the card without prior notice? Did they review my credit? 
I was hoping the XXXX XXXX would work with me to re-age/restore the account so that I can get my credit score back up. They did not help. I am willing to pay down the balance to {$0.00} if that 's what it takes to get my credit fixed. Please can you help me?
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX  Account number ending in : XXXX Date : XX/XX/XXXX I keep receiving emails on ), an auto loan account opened at credit aceptance on XX/XX/XXXX under the ( Account number XXXX ), and a personal bank account opened at XXXX XXXX  on XX/XX/XXXX under the Account number XXXX XXXX XXXX XXXX XXXX  account number XXXX opened XX/XX/XXXX ( ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX XXXX ( separate complaint filed w/all XXXX bureaus : XXXX, XXXX, and Equitax ) : What happened ( statement of pertinent facts ) : my credit information was compromised by a thief who knew many ways to use it and places that would accept their documents 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.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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. 
What would be a fair resolution to this issue? ( demand for relief ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES ON TRANSUNION ACCOUNT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported inaccurate information on my credit file and shared it with XXXX and Experian. Attached you will find the letter from XXXX XXXX clearly stating the Bankruptcy in the Public section is unverifiable. Also, XXXX advised the data being reported as unverifiable. Please have them to XXXX and Experian remove the inaccurate data immediately. Attached you will find the letter from XXXX XXXX, FTC file number XXXX, letter from U.S. Courts.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am wrote to XXXX to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to XXXX asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that XXXX consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my XXXX XXXX and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency is reporting that I was late on a closed account that I had with XXXX XXXX XXXX XXXX. I disputed this, and the credit reporting agencies have ignored my requests. My payments were deferred in XXXX  due to covid so how could there be a late payment reporting. I contacted the creditor, and they informed me that none of the credit bureaus have reached out to investigate the account I disputed. How are you reporting in inaccurate account that you have yet to verify when I have informed you that it was incorrect? I am demanding that this late payment is removed, and the account is updated immediately. I have already tried to remedy this so I am expecting an update within 15 days or I will be moving forward with contacting the registered agent to move forward with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of this debt with XXXX XXXX XXXX and they have not sent it over 90+ days ago. This debt continues to get sold by different collection agencies and re-recorded. I do not believe this debt to be mine and if validation is not furnished would like this to be investigated by the credit bureaus and Federal trade commission.
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.
Product: Credit reporting or other personal consumer reports

I been receiving telephone calls of harassment, abusive and profane language and threats of being sent to jail and prison from NCB Management Services Representatives for a debt collection account thats not my account and is the result of identity theft. The debt collection account has a balance of {XXXX and the account is a fraudulent account and the result of identity theft. NCB Management Services is in complete violation of the Fair Debt Collection Practices Act under federal law.
Product: Credit card or prepaid card

I recently paid off my full balance account to capital one however I got charges for interest payment when my balance was XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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: Checking or savings account

My Chime account was hacked and emptied completely. On XX/XX/2022, I received a notification from my Chime app that my {$990.00} transfer to XXXX was complete. I do not know this person, and did not authorize this transfer. They transferred around {$50.00} from my savings to my checking balance, and then completed the transfer of all of my funds to that e-mail address. 

I contacted Chime within 15 minutes of this unauthorized transfer ( hacking ), and was told a dispute was opened. Around a week later, Chime notified me that my dispute was denied and that I would be able to request documentation from the investigation. I did request the documentation, and submitted a rebuttal to the denial. They once again denied my dispute. The documentation provided to me ( attached ), does not address the fact that a hacker accessed my account. I use XXXX XXXX and the access to my account was through XXXX. I noticed in my e-mail that there was an unauthorized access to my XXXX account ( attached ), but my Chime password was not changed. My hope is that this XXXX XXXX and access from XXXX ( I use XXXX XXXX ) can help confirm that this was not me. I have called around 9 times and requested supervisors, but no one is able or willing to resolve this issue. I recently called and e-mailed XXXX Bank, who is the actual bank behind the Chime app. They have yet to respond. I will just keep calling and submitting rebuttals until they solve this, but if you could help, that would be great. 

My husband also had a large Chime account, and was very concerned that a fraudulent company was holding a majority of our cash. He was thankfully able to close his account and receive all of our money via check, however the process was handled extremely unprofessionally.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts listed have errors in reporting, including incorrect amounts and dates.