23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a fraud charge on my Discover card XX/XX/2019 and called Discover and had them cancel and transfer my account to a new card and open a fraud investigation. XXXX weeks later no card arrived and I had a update on my Credit that I had closed out my account and it negatively impacted my credit by about 25 points.

6 weeks later on XX/XX/XXXX I am trying to close on a home and I get denied because the day prior I apparently had a new inquiry into my credit and opened a new credit card with Discover hitting my credit for 41 points. Later that day discover called saying I was late by 3 months and delinquent. On the XXXX of XXXX I get another credit update i am delinquent and lost another 41 points on my score.

Because I lost my house I had to extend my lease putting down more rent and now discover says I owe over {$1000.00} in 2 weeks. I have spoken to Discover and they have sent a report to fix my credit but cant promise it will totally fix the situation point for point. Also they wont do anything to help with the balance when it's there fault it's a situation at all. They put me out of a house, they messed up my credit score by over 100 points and when I requested to cancel my card, they informed me it will hurt my credit worse. So I am stuck in a bad situation as a consumer and the company that inconvenienced my life a lot wont do anything in regards to there mistakes.
Product: Debt collection

I don't know the dates I was informed 2017 and that the debt was with XXXX XXXX XXXX XXXX and managed by a " XXXX XXXX '' who I have learned is retired from XXXX XXXX and the hospital was acquired by XXXX XXXX. I was informed when calling XXXX XXXX XXXX XXXX billing that the debt does not exist.
Product: Checking or savings account

My name is XXXX. I want say, this to XXXX XXXX and not previous complaint I made last year 2021 XXXX XXXX Previous, complaint I did, it did not help me forget about this because is irrational and offensive to say a thing like that. 

" Our decision will not change '' I want this complaint consider as a hate crime a buisness against a consumer in a need. Based, of last year response. 

I'm here because I want to report Chase bank a compliment and clarify I want to be able to bank again. 



I believe this is a mistake and I'm going to forgive them. I shouldn't be banned and this is all wrong. 


It is, wrong to cause some one that, the person has nothing to do about charges or anything I'm respectfully asking to put a stop end this nonsense I want be allowed to bank again. 


We know, your the chair man of this bank Chase. 


XXXX, previously I had complained about this before. I do feel this wrong and shouldn't be taken this action. Banning me is, like hurting my life. 




How far, do you want to go about it? Why am I'm only one complaining?

Because one the others representive won't gave me understanding about why am I'm banned of opening an account? 



Is there limit how many times can client open after closing an account?
Product: Credit card or prepaid card

Hello CFPB. 

I have no earthly idea what happen here. I have been in the credit reporting system since 1994 with over 40+ trades paid like clockwork. Not 1x has my credit scores every drop below 700. I make over $ XXXX a year and pay off 100 % each and all the time. I do use the Macy 's card and within days pay it back. I use it for promotions they send me daily. I notice in XXXX my limit was {$14000.00} but in XXXX {$300.00}. WOW, Why is that. I have attached both the XXXX And XXXX Statement and the Credit Report supposedly they used. I did call Macy Rept. He had no clue why as well. He said he sees my acct as code premier rating, and maybe it was a system error. But he gave me a XXXX to call, but no answer. 

I have attached my report to show, I have bought 3 homes in the $ XXXX I have boight over 10 Auto loans from $ XXXX $ XXXX I have about $ XXXX in LOC and only owe about $ XXXX. 


I will report this issue to my local congress rept to forward my case for Unfair Law Lending against Macy XXXX.
Product: Vehicle loan or lease

My car was destroyed by dealership and deemed mechanical failure. I had my car repaired at XXXX XXXX. They destroyed my car making it unrepairable. I attempted to drive home after damage and had to end up getting it towed to another mechanic where after two weeks of testing and paying for parts out of pocket the mechanic informed me that the problem was not repairable and had been a noted defect. I informed my insurance company and the finance company letting them know the dealership refused to take ownership and I needed help fighting them and to be relieved of a debt for an automobile that would never be fixed. Insurance company attempted to help but due to state law ( nc ) they could not assist with mechanical defects. The finance company refused to care or listen. At that time I was current. The finance company then proceeded to wait 3 months later for them to then claim the car that had a lojack and put a repossession on my credit.
Product: Debt collection

I spoke with XXXX XXXX, who stated he was the XXXX, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.
Product: Credit reporting or other personal consumer reports

Hi, My complaint is that I sent letter and Identity Theft Report to Equifax, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled. 

*A copy of my Identity Theft Report and proof of my identity. 

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

As of today, the issues has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Accounts appeared on my credit report I didnt authorize. I filed a dispute with XXXX and XXXX and they didnt remove the inquires. The inquires are not connected to an open account and I didnt authorize these companies to run my reports, which is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reports from XXXX and XXXX both show an account, COMMUNITY LOAN SERVICING, showing negative payments for a time period that they did not own, nor service the debt. COMMUNITY LOAN SERVICING, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from COMMUNITY LOAN SERVICING, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet COMMUNITY LOAN SERVICING is not reporting it. I have contacted XXXX, XXXX and COMMUNITY LOAN SERVICING each several times to resolve this. XXXX, however, removed the COMMUNITY LOAN SERVICING from my credit report after their investigation.
Product: Credit reporting or other personal consumer reports

Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the Equifax XXXX data breach and all my personal info has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 

As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 

Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 

I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 

Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX. XXXX, XXXX Contact : Bank ( XXXX ) XXXX XXXX XXXX Inquiry date : XXXX. XXXX, XXXX Contact : XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry date : XXXX. XXXX, XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquriy date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 XXXX # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX  XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( 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
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain tillXX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two  other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 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 XXXXXX/XX/XXXX In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Checking or savings account

Hello, I had nearly {$2000.00} stolen from me from something called Current aka XXXX XXXXXXXX XXXX. Problems first arised around XXXX of XXXX where it was small funds stolen and XXXX larger amounts of money was taken. I contacted XXXX XXXX XXXX aka current numerous of times to close the account to which they refused and just sent a new card. I had already opened a new bank and transferred all funds over {$500.00} at a time since I could not transfer more. Unfortunately, I received my stimulus check to my bank account with XXXX XXXX on XX/XX/XXXX. I have all screenshots, all bank statements and the location for where my money was used. But I received a call from XXXX  saying someone in XXXX had used my card at a XXXX spending nearly {$500.00}. Once again I told them I want them to close my account but I was at work in Wisconsin so I could not stay on the line. They said they would issue a new card and stop the transaction and make sure I still had my funds. Not even 5 minutes later I saw someone hack my account taking the money out of savings and sending it to my Checkings. I tried to stop this even contacted the customer service chat and he just said let it happen and theyll dispute it. I was frantic and at work crying because I watch someone make TWO TRANSACTIONS While begging them to take action and stop it. I have screenshots of this as well. The other transaction was at XXXX in XXXX in the amount of {$510.00}. The second was a transfer from my account to someone name XXXX in the amount of {$840.00}. I contacted XXXX attacking her for stealing my money but she had the exact same issue. Someone was in her account stealing her money and she experienced everything that I was. We had a third party hacker in our account and tried to dispute it but current said they will not give our money back. Every penny counts for me because I missed quite a bit of work while I was in a car accident in XXXX and had to attend XXXX and XXXX to get better. I need something done please. I have begged current to do something and they said their decision is final. Its impossible for me to make any transaction in other states because I live in Wisconsin. There were numerous devices logged into my account and no one has ever had my password. There was also a phone number I did not recognize. It took me 4 x contacting someone for someone to log out all unauthorized devices but even then it was too late. I had {$0.00} in my account and current aka XXXX XXXX refused to return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  #XXXX  Not my account tried getting account removed still remain on credit report .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX : {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized