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

Capital One has closed one of my 2 credit card accounts for not having activity. I inquired with their customer service team and was told that if there is no activity in over 36 months they will close the account. Unfortunately this has affected my credit history negatively because of my credit age. I requested to re-open the account and I was told I would have to apply for a new account, that would make my credit age even worse. I asked why was the other account not closed which also had no activity in over 36 months. I was told there were payments made. I stated those were payments for an annual fee, they stated that's still activity. The one they closed did not have an annual fee. 
They are arbitrarily leaving accounts alone if there is no purchase or cash advance activity but still have an annual fee because it is still generating revenue. I would like to have them reopen the account so I can maintain my credit age with the credit bureaus.
Product: Vehicle loan or lease

I have all my payments set for automatic pay with this company. on XX/XX/2020 the company automatically enrolled me in forbearance. I called the company and requested to remove me from forbearance and requested for my payment to be deducted. Now I see that XX/XX/2020 was reported as a late payment. I would like this to be corrected.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$9700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 auto loan account opened with XXXX XXXX XXXX  on XXXX, XXXX XXXX, as well as fraudulent collection account opened with XXXX XXXX XXXX  on XXXX, XXXX XXXX. 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

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX  XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the 3 credit bureaus ( Experian, XXXX, and XXXX ) were not reporting accurate information. The late payments reflected on my accounts between the dates XX/XX/XXXX and XX/XX/XXXX were incorrect recordings of missed payments during the loan forbearance period. I have since paid my XXXX XXXX account off and is now closed. Enclosed I have copies of the 3 credit bureaus inaccurately reporting late payments during that COVID-19 global pandemic found on my credit report. Please investigate this matter and contact the nationwide credit bureaus to have them remove the disputed items as soon as possible.
Product: Checking or savings account

I tried opening a XXXX XXXX for the first time and received and email stating it will be closing because of violations. And when I called XXXX XXXX  they told me I have other bank account open on negative and I never opened an account before until I tried opening a XXXX XXXX  account for work.. I never opened any other account and would like help to removed them and everything else that causing this issue it isnt fair. Im going through identity theft. I need help! Please.
Product: Credit reporting

I have contacted Equifax on numerous occasions since XXXX 2015 trying to rectify my issues by sending certified letters with my fraud claim/police report and identifying information. Every claim I have disputed, Equifax has replied that the items I am disputing ( specifically a collection : XXXX XXXX XXXX XXXX ) is verified as mine. I contacted Equifax to receive the identifying information that concludes this report is mine and was told that it would be sent. After not receiving this information I called again and was told that they could only verify that XXXX XXXX XXXX XXXX verified it was mine and they can only go by what the agency reports. If Equifax has the right to keep fraudulent information on my record, I need to have the identifying information. In the past, when I have requested identifying information on another disputed account, Equifax only sent a letter stating that my " social/address/and DOB were verified ''. This is not sufficient. If I am a victim of identiy theft, how is this verifying information. I would like this information removed from my credit report, as this account does not belong to me. Equifax is holding on to fraudlent information and not protecting my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score recently showed a significant decrease, so I ordered a credit report from all three credit reporting agencies. TransUnion shows 10 adverse accounts that are in collection status on my credit report that arent my accounts. Reading the report further, I discovered that TransUnion also added a new name to my credit report. That name belongs to my son, as do the collection accounts on my report. No effort was made by TransUnion to verify that this bad debt was even mine before placing it in my credit report. It is obvious that TransUnion received some information regarding a bad debt for someone with a similar name, using my mailing address and then took it upon themselves to just assign me an alias and the bad debt. No effort was made to verify the information being placed in my report was actually mine. Is there no such thing as due diligence when conducting such a transaction? I called TransUnion today, XXXX to address this matter and after having to explain the problem multiple times, was told that they will look into it and for me to check back with them. They would provide no reference number or claim number to assist me and stated that I just needed to call the regular customer service number to check the status after 5-15 business days. The last person I spoke with refused to let me speak with a supervisor or provide me an alternate number where I might reach a supervisor. The manner in which this information even got on my credit report is cause for great alarm. If the credit reporting agencies arent using more care and diligence than has been demonstrated in this scenario, they should not be able to operate. These reports have a serious impact on consumers livelihood and should be protected against trashy input from the company that is storing and providing reports.
Product: Credit card or prepaid card

I was billed by a hotel claiming to be affiliated with XXXX XXXX Hotels. They are not affiliated with XXXX XXXX Hotels and I have an email that was sent to me by their customer service department stating this. 

the upload link they keep send me fails to upload my documents. 

Capital One who is the is not providing me with a means to transmit this document to them. I can provide phone records showing how many times I've called requesting an email address or an upload link. 

I'm being defrauded and nobody will do anything about it.
Product: Prepaid card

I called the credit card company and I was told that I can not use the card on any websites that require my address. Nearly all websites and even purchasing gas requires a credit card be linked to your address. As such I have not been able to use the card at all.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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 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
Product: Checking or savings account

After trying on numerous occasions to resolve this complaint directly with Citibank, and being sent hither and yon without resolution, I initially filed a CFPB complaint ( see attached ) on XX/XX/XXXX regarding a promotion that Citi was offering in XX/XX/XXXX for XXXX American Airline Frequent Flyer miles if you opened a checking account with them and met certain conditions ( in the first two-months after the card was issued you were required to purchase {$1000.00} of goods or services using the Citibank Debit or ATM Card. And that within two months of the account being opened, you had one or more recurring charges to the account ). 

The promotional material that was sent to me was incorrect and misleading in terms of the nature of the recurring payments that qualified ( see attached initial promotional material ). 

In response to my complaint, Citibank does not acknowledge the incorrect promotional material. But rather refers to promotional material for a period ( XX/XX/XXXX - XX/XX/XXXX ) that postdates both my application and the promotion that I was applying for. Clearly, the promotional material had been corrected after my application had been submitted and accepted. 

I can understand that the initial misleading and incorrect information on the promotional material that I was supplied might have been incompetence, rather than by design. 

But clearly at this point, rather than acknowledging their mistake and rectifying it, Citibank has not only decided to stonewall, but astonishingly refers to a promotion and documents for a period after my application. The dates of my application, and the promotional material that I was supplied, are clearly dated for XXXX, with the offer expiring on XX/XX/XXXX. How is it possible that Citibank references a promotion that started XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX '' is reporting on my credit that I have balance of {$1400.00} for Original Creditor " XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ''. I never visited any of such places, so I search and called " XXXX XXXX XXXXXXXX '' XXXX XXXX office and billing team. They do not have any record of mine. I think these guys ( Collection Agency ) has somehow got some of my some info and trying to fraud with it. It's been going for some times as, I got attention only when I saw another fraud of similar nature by another company named " SEQUIUM Asset Solution ''. 

I am going to put complaint of that company in other complain as they are showing their Original Originator as " XXXX  XXXX '' while I never visited XXXX  XXXX for decades or any medical facilities.
Product: Credit reporting or other personal consumer reports

I applied for a credit card and my credit was denied citing Experian I have tried calling every number listed for customer service and have been unable to get assistance. I have constantly been redirected by their IVR to the website but the website is refusing me since it is stating that it is unable to verify me with my information given. 

I have been notified that my information has been breached but have been unable to obtain my credit report with Experian. This is extremely frustrating as I have obtained my credit report with other bureaus.
Product: Debt collection

This company is reporting a debt on my XXXX credit report that is not mine. Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX  XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX  XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account from XXXX XXXX XXXX appeared on my credit report. The account is reporting XXXX in debt in the amount of {$910.00} to them. I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I am a victim of identity theft!! Please delete this items IMMEDIATELY! This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

There are credit inquiries on my credit report that I don't recognize which is very alarming, it's making me anxious which is adding unnecessary stress and having negative impact on my mental well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is to express my profound frustration about the unresolved inaccuracies on my credit report, specifically concerning the late closed and charge off accounts. This marks my many several attempt to address these issues, which continue to negatively impact my financial health and trust in your organization. Since I have diligently provided all necessary documentation and adhered to your company 's procedures to dispute these inaccuracies. Despite many assurances that the matter would be resolved, the accounts remain incorrectly listed, and the accounts have not been removed. The persistent presence of these inaccuracies on my credit report is unacceptable. It misrepresents my financial history, hinders my access to credit opportunities, and causes ongoing stress and inconvenience. I am requesting immediate and decisive action to resolve this matter once and for all. I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove the late closed and charge off accounts immediately : DEPTEDXXXX XXXX Balance Owed : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

DEPTEDXXXX XXXX Balance Owed : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX XXXX XXXXBalance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance Owed : {$200.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting an inaccurate account XXXX XXXX XXXX  account # XXXX with a charged off status on my credit report with a balance of {$3000.00} and high balance of XXXX In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit report promptly. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2800.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$5900.00}