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

On Tuesday XX/XX/XXXX my gym locker was broken into while I was exercising. I received a notice on my phone that a charge was made on one of my cards. I went to my locker to discover that it had a different lock on it. The XXXX XXXX employees cut off the lock and when i checked my wallet all of my credit cards and cash was gone. The gym employees called the police for me while I tried to shut down my credit cards. One of the cards used was my Capital One Walmart card. There were five {$200.00} purchases ( {$1000.00} total charges ) made using the Capital One Walmart card, all of which were gift card purchases. I contacted Capital One on the XXXX to report the stolen card and fraud. I received a letter from Capital One today XX/XX/15 stating the my fraud case had been denied. I have an incident report from the XXXX  XXXX Police. The Police also have video evidence of the crime showing the suspects leaving XXXX XXXX and also entering the various stores making the purchases however the suspects were wearing covid masks. I had several credit and debit cards stolen in which the thieves used to purchased a total of {$8000.00} worth of gift cards. Again the total fraud purchases that were made using the Capital One Walmart card was {$1000.00}, five total transactions.
Product: Mortgage

Bank of America overcharged me interest on my HELOC. They calculated the interest with the wrong interest rate that was approximately 2.0 % higher than the correct rate. I noticed the error. BofA sent me a letter shortly after and acknowledged the mistake and commited to fixing it before I called them. I monitored my statements and the error was never fixed. I called them several months ago and the error still has not been fixed. I have trouble getting through to an actual person on their customer service number. Most calls their system does not recognize my account number. It has been 6 months and the error still has not been fixed.
Product: Credit reporting

After becoming more educated with my finances, I ran my credit report for the first time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX acount stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was schedulded to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a second request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, XXXX, and XXXX however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both Experian and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The second account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After 2 request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX these companies have caused me have effected XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX funding and Equifax XXXX I have dispute this information multiple times with XXXX and Equifax, this account is in collections and I paid XXXX XXXX and they said they will do a pay to delete, I have also sent the Equifax the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is NOT being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681 ( b ) all of the Credit Reporting Agencies are to adopt fair and equitable manner with regards to confidentiality, accuracy, relevancy and proper use of my consumer report. 

Id like for you to no longer traffic information from any lender to my consumer report because it is valuable with consideration to 18 USC 1028 ( d ) ( 12 ). I did not give permission for my payment history to transported to any company. Form SSA-89 was not used considering the form is only valid for 90 days. No consent equals identity theft according to 15 USC 1681a ( q ) ( 3 ).

Also, under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 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. 

The identified transactions are not information related to any transaction by me as the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX  # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due multiple times according and the payment history needs to be deleted from my consumer report. 




I have attached a copy of my Drivers License for appropriate proof of my identity. I am also providing a Billing Statement for address verification.
Product: Credit reporting or other personal consumer reports

I received notification from XXXX XX/XX/2024 that my credit score dropped drastically, XXXX points. I reveiwed the information on XXXX and it stated that my student loans had increased. I called XXXX the loan carrier, because I am in an IDR until XX/XX/2024. I am not sure why all of a sudden I would have negative information being posted to the credit bureaus. I have not had anything like this happen in the past with my student loans. I spoke with a representative with XXXX and she stated they don't have any control over what the credit bureaus do with my credit score. I tried to explain it was because of the information XXXX provided them. I filed a disupte with XXXX. That did not make a difference, in fact I had to call XXXX a second time because they didn't do anything with my complaint. I called XXXX back XXXX explaining again that the way they are reporting my status is affecting my credit score. Today I received notification from Equifax that my credit score dropped XXXX points due to my student loan has increased. I called XXXX today XXXX and wanted to speak with a supervisor. After spekaing with a representative and being put on hold my call was disconnected. I called XXXX back and spoke with a representative that was going to escalate the issue. I verified with the representaive, being in and IDR should not affect my credit score, my student loans will always be on my credit report, until paid off, but while in IDR that should not affect the score. I was turned down from a local bank for a business loan because of the reporting of my student loan. I have asked over and over that they please check into this issue of incorrect reporting to the credit bureaus. Today is the first time XXXX  representaive has sent my information on to someone who has the ability to see what is going on. This has had a negative impact on my situation on trying to open up my business. I have not been able to get lending due to the recent information being provided to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding your bureau 's failure to remove fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. 

I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. 

The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as a potential victim of the Equifax cyber-hacking. Upon checking with their website it confirmed that I was probably a victim of the thefts. It allows for 1 year enrollment in an identity protection product without allowing the pursuit of litigation, restitution or arbitration. I am very worried that I will be a victim of identity theft as a result of the data breach. I would like to be able to retain the option to recover stolen funds, or funds spent protecting my identity from Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were not authorized by me. They must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX XXXX, and XXXX  and they have failed to comply with FCRA guidelines!
Product: Credit card or prepaid card

I had a chase sapphire preferred account which was closed in XXXX of this year. I was under the impression that all points and rewards accrued ( XXXX points, worth approx. {$1600.00} per valuations by leading journalists ) would remain since I had another ultimate rewards account open ( chase freedom card ). Chase did not disclose anything different to me at the time of account closure. On XXXX of this year, I attempted to redeem some of these points and noticed that they were missing. 

Chase was telephoned on XXXX and I explained the situation. Chase associates were initially able to locate all documents and were understanding and sympathetic to my request. End Result of this call was that chase would file appeal on my behalf to receive the points back and I would hear back within 7-10 business days. After this call, chase purged records from this account on XX/XX/XXXX ( hardly seems coincidental ). Appeal filed was notated under wrong account ( ending in XXXX, not XXXX ) and was denied per letter dated XX/XX/XXXX. 

Telephoned Chase again on XX/XX/XXXX after receiving incorrect denial letter. Chase associates and supervisor were unable to find records of this account except that it was closed in XXXX of XXXX. This closure date is clearly incorrect, as statements were generated as late as XXXX of XXXX. Charges were made in XXXX of XXXX. Chase claims disclosure was read to me upon account closure, but I do not recall this disclosure and would have acted on this information. Reached impasse with chase and decided to escalate matters to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Debt collection

Well basically what happened is this in XX/XX/XXXX my brother took out am american express card in my name hes XXXX XXXX person.I didnt know about it but then in XX/XX/XXXX I checked my credit report and I saw that I owed american express XXXX XXXX so I called them and said what the XXXX   is this I dont have or ever had an american express card by the way they didnt seem to care but I found out it was my brother the dummy so I told them to transfer the card into his name you see at this time he was making the minimum payments to them so they were making money on the interest so it wasnt in there favor to help me but any few months ago he stopped paying them and they ran and levy my bank account for XXXX I dont think it fair because a few things pop in my head why did they give so much credit it seems predatory and in doing so why didnt ask for identification on so much money on an unsecured debt so now i lost XXXX dollars they ran to my bank with a court order and took the money.Another words they target people in lower income brackets to take advantage of them when they cant pay back and one day everyone in this country is going to pay back in a big way.
Product: Vehicle loan or lease

Complaint : Bank of the West has not provided the State of Ohio with funds for taxes and registration, or title for recreational vehicle purchased in my name on XX/XX/2021. Todays date is XX/XX/2021 Due to this delay I have had to purchase temporary tags for the vehicle and the tags have since expired. Bank of the West consistently conveyed unrealistic timeframes for loan approval process, and funds distribution post approval. 

I contacted Bank of the West through the XXXX XXXX Website to secure a loan to purchase a recreational vehicle from a private seller. The seller and I both live in Ohio. 

Working with Bank of the West was a pretty disappointing experience. My Loan Representative did not disclose realistic timeframes throughout the loan approval process and post approval. They delayed so long in fact, that I would was stuck working with them, or I would have to get another hit on my credit by moving my business to another bank. It was a classic bait and switch situation.

After months of delay after being approved for the loan Bank of the West did in fact come through with payment for the seller. However they have not yet presented the title and funds for taxes and registration to the State of Ohio. 

I have called too many times to count since acquiring the vehicle. Hold times range from 40 minutes to 1.5 hours. Often times I am disconnected without reason. I have been told I would be called back and no one calls. Absolutely terrible customer service all around, but now what they are doing is illegal. Holding funds that belong to the State of Ohio for taxes and title for over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to mentally heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened with Capital One in XX/XX/2018. XXXX XXXX and XXXX  DO NOT show ANY account history of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT AND FOUND SUSPICIOUS ACTIVITY ON MY CREDIT UNAUTHORIZED HARD INQUIRY FROM CREDIT TECH/XXXX  XXXX Mortgage Companies Inquiry date : XX/XX/2018 2018
Product: Money transfer, virtual currency, or money service

I got the above message from an unknown number : JP-Morgan Chase : Did you attempt a payment of {$540.00} at XXXX XXXX XXXX To decline this payment visit : XXXX XXXX XXXX? XXXX Upon clicking that link it took me to the chase website where I was asked to login. The login had to be validated by using an otp which I got from chase .. but unfortunately this otp was used to authorize a money transfer. 

Once the money transfer was authorized, I immediately called chase to report what had happened. Since this is not something I voluntarily provided. Since it happened surreptitiously using the chase website and authorization system, I feel the problem is with chase to not provide any protection for such sophisticated online scams. 

Also, international money transfers can be cancelled within 30 mins but chase failed to do that. I called them within 15 mins of the transfer getting authorized. Infact the first agent I spoke to couldn't even see it in his system since it was that early and yet chase couldn't help me with either the cancellation or the recall. 

I have lost trust in chase since a lot of people can fall prey to such sophisticated tech scams and their inability to protect customers or up their tech is disheartening.