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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

i need my money they closed my account with money on it
Product: Credit card

We experienced a fraudulent transaction on our business account in XXXX XXXX. This transaction was initiated by a former employee who was not authorized to make such a transaction. 

After reporting it, this transaction was reversed but due to the failure of Wells Fargo business banking specialist, XXXX XXXX, to remove this individual 's access to the account, the identical transaction was processed in early XXXX XXXX. After reporting it once again, this time Wells Fargo did not address the issue. 

Instead, I was locked out of our account and not granted access despite providing the documentations proving that I was the only authorized individual to access this account. Despite repeated requests, I was unable to access our accounts until I escalated this matter to the regional supervisor, XXXX. 

After investigating, XXXX eventually reversed the second charge as well. This took place in XXXX XXXX, five months after the fraudulent transaction was reported. 

As soon as I regained access to our accounts, I made the outstanding payments on our credit cards. I then became aware, however, that our credit cards were closed to delinquency and all of our points have been forfeited. 

I was only unable to make these payments because Wells Fargo had revoked my access to the accounts. I made the payments as soon as I regained access and I was assured by XXXX XXXX that our accounts would not be closed until we had the opportunity to redeem these points. 

As such, I am disputing the balances on these credit cards until our points are reinstated and we have been able to redeem them. This was entirely the result of XXXX XXXX 's incompetence and subsequent delays instead of just quickly remedying his mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of XXXX  Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.
Product: Credit card or prepaid card

Approximately XXXX  years ago, I was approved for Capital One 's Quicksilver One credit card. My understanding that this card is generally issued to consumers who have fair credit and there is an annual fee of {$39.00}. As I was rebuilding my credit when I was approved for the card, the terms were acceptable. Now, however, I have good to excellent credit. I have paid this credit card on time each month. I have also paid the annual fee, however last year Capital One waived this fee. 

Now, I would like to advance to the Capital one Quicksilver card with no annual fee. I believe my on time payment history merits this change. However, Capital One refuses to allow me a product change to this card. Instead, they have offered a product change to a no fee miles card, the Venture One. I do not want a miles card and I resent Capital One pigeon-holing me into this card. 

In addition to the QuicksilverOne, I have three other credit cards serviced by Capital one. I have never been late with a payment on any card. I did make ONE mistake in choosing the incorrect payment account and a payment was return, but I corrected that error BEFORE THE STATEMENT CLOSING DATE. No late fee was incurred. 

I can not close this QuicksilverOne card without substantially hurting my credit because it is one of my oldest cards. So, I am forced to pay an annual {$39.00} fee that is excessive given my current credit profile and the card 's benefits. The alternative Capital One offers me is not as beneficial to me given my credit line and the alternative card 's features. 

I can apply for a new Quicksilver card, but this would result in a hard inquiry and hurt my credit. So, Capital One is holding my credit score hostage and forcing me to pay a {$39.00} annual fee. 

On XX/XX/, I spoke with XXXX in the XXXX XXXX department, who confirmed that the only card I am eligible to change to is the VentureOne card. Again, I can't use a miles card given my credit line and the card 's features. I also spoke with XXXX in customer service who stated that I am no eligible for the QuicksilverOne annual fee to be waived this year. 

WHY CAN'T I PRODUCT CHANGE?!!!
Product: Credit reporting or other personal consumer reports

XXXX account is closed and paid in full! I disputed this account, because a late payment was put on this account due to a billing error! According to ( 15 USC CODE 1666b ) This is a violation.
Product: Debt collection

Debt owed for {$31000.00} was written off as abandoned after being transferred to new owners name
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the rights 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. 

XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by Equifax and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice inquires on my credit report that should NOT be there from unknown source.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX. I am filing a complaint against CAPITAL ONE BANK I felt like I was blindsided by them, not being treated fair and they are not trying to give me the help I need. I wasnt able to pay my credit card bill two months into XXXX because the expiration of my visa. By XXXX of XXXX I call the bank because I didnt want to lose my credit card. I spoke to someone I honestly forgot her name she told me if I start paying the minimum which is XXXX I wont lose my account and they will take off the restrictions so my mom started paying the bill for me. In XX/XX/XXXX I paid XXXX and in XXXX I paid XXXX. I got a letter in XX/XX/XXXX stated my account is up to date. I miss the payment on XX/XX/XXXX, but just paid the bill in full on XX/XX/XXXX which is XXXX. My account still remain restricted. I call capital one and they are telling me because I paid the bill in full the. 
I cant use my card anymore the restrictions wont be lift and I need to throw away my card and the manager told me this. I was very frustrated because it was never stated in the mail they send me this will ever happen and even when I call no one said my card is not valid anymore. I still have access to this account so I was so confused when she said they wont be giving access to my credit card anymore. I paid the bill in full to save my credit card I didnt want to lose it, I kept in contact with the bank because I really didnt want to lose my card. My account is still open but it said its restricted. In the letter I have nothing state that when I pay my bill. The bank will take the money and the credit card. She kept on forcing me telling me they were warning me but its not true because I have all the letter and I kept in contact with the bank. She was forcing that it was stated in the letter and Im going to upload the picture theres nothing stating my account so shut down or I wont be able to use the money every again nothing like that.
Product: Credit reporting

I have requested my free annual credit report from all XXXX Credit Bureaus ; of which I received from XXXX and XXXX. Equifax constantly states my information given does not match their records. So I then go to the Equifax website to try to dispute info on my credit report. Again, I still receive the same message. I have a XXXX account and I put the same info they have listed on their into Equifax online dispute form page and it sates, " Information does not match their records ''. So I call Equifax and am told to fax over documents and if I want to gain access to my credit file online I would have to pay for it. I believe Equifax is giving this prompt out to many people so that they can sell you your credit report and make profit. The information I 'm putting in is the exact same as I see on my XXXX XXXX profile page. I currently do not have a mortgage, car loan or credit cards but the security question prompt will not accept " None of the above '' as a response.
Product: Credit card or prepaid card

( 1 ) A purchase was made was made on a Bank of America credit card for {$180.00} on XX/XX/XXXX ( 2 ) The purchase was billed to me on a bill dated XX/XX/XXXX ( 3 ) This was the first time this purchase appeared on the credit card bill ( 4 ) The credit card bill included interest on the {$180.00} purchase. This is the first time I have ever seen this occur.

( 5 ) Is the Credit Card Company permitted to charge me interest on the purchase without even giving me an opportunity to pay off the charge within the specified time period on the bill?

( 6 ) Today 's date is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 SELF / LEAD 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: Debt collection

To whom it may concern, This was a charge from years ago and could be even past the point of collection time. 
However, I had an XXXX XXXX Account through Comenity Bank now owned by Bread Financial to the best of my knowledge. 
I used it for a few years and always paid on time. 
Then there was a charge on my account for over XXXX dollars and was shocked. 
I had used the card for services but the amount I was told was literally half of that. 
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. 
I than paid the amount the was actually agreed to. 
After their investigation, they decided to put the double charge or overcharge back on. 
I even connected with XXXX XXXX and they offered me a credit in that amount. 
I did not make that charge or was over billed and no idea how that amount was able to transact. 
I know for a fact that I did not sign for that amount. 
My actual maximum balance I could charge was XXXX that alone was over that amount, how could that charge even go through? 
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. 
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. 
I was upset and confused to then receive a bill back for the amount disputed. 
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. 
Meanwhile, they continued to charge fees and late charges and then finally closed it down. 
Then on top of that and knowing there was an issue sent it to XXXX XXXX XXXX. 
Ive asked them to send me my disputes that I have sent through to the company. 
All they sent me was a bunch of Terms and Conditions. 
They tell me via phone that this is all they need to send to me. 
The charge now they want me to pay is XXXX in charges for a charge that was double the amount agreed to. 
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. 
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this.

But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. 
I need the evidence of the signatures and how this was able to be charged. 
Especially a charge over my credit limit and a card not in my legal name. 
Any help on this would be appreciated.
Product: Debt collection

On XXXX XXXX, 2023, Collection Management Company, opened a collections with the credit bureaus in the amount of {$1900.00} for supposed emergency services. I have no knowledge of this account, and insist most stringently that this account does not belong to me. On XXXX XXXX, 2023, I filed a dispute with XXXX Credit Bureau. On XXXX XXXX, 2023, I filed an additional dispute to include " fraud. '' My suspicion is that there is someone who is periodically receiving emergency services while using my name and personal information. My suspicions are supported by the fact that this has happened on XXXX other occasions for supposed " emergency services, '' whereby I filed disputes. My disputes were validated, and the instances were stricken from my credit report due to them not belonging to me. 

I have never received any collection notices, nor have I received mail, phone calls, or any other attempts to collect this debt. The first I learned of it was through my credit report.
Product: Checking or savings account

On XX/XX/XXXX I received an alert that a {$6000.00} check cleared my account. I did not write or authorize this check, so I immediately called the bank to report it as fraud. They looked at the check and the agent said it was clearly a fraudulent check at first glance to her. She transferred me to the fraud department, my account was closed, a new account was opened, and they mailed me a check claim affidavit. I completed this form and uploaded it on XX/XX/XXXX. I heard nothing from the bank so I called them 2 weeks later and was told that I filled the form out incorrectly and would need to fill it out again. They said they would mail me another form, which I did not receive, so I called them and they sent a new form to me several days later. After receiving the new form, I called the bank and talked to an agent to make sure I completed the new form correctly. I uploaded the new form on XX/XX/XXXX. I received a called today saying the form was filled out incorrectly again and would need to be redone. Now I will have to wait to receive another form by mail, complete it again, upload it again, wait another 2 weeks before it can be reviewed, and see what happens. This means that it will be over 3 months just to get my claim submitted. This is completely unacceptable! In the meantime, I'm out {$6000.00}.
Product: Mortgage

After the passing of my husband, I was asked by my mortgage company to start a probate. These was asked between XXXX I went to a title company and started the necessary paperwork. Complied with them. After all these months of not getting a response as to why I wasn't getting an answer I was inform that I needed a different affidavit due to the fact that in one of the affidavits was from a relative. I went ahead and reach out to the title company. Their lawyer told me that I did not need another affidavit. I related these to them and to my surprise I was told that my house going into foreclosure because the requirements were not made. I am including a pdf file that was provided by the title company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we hired a credit repair agency to clean up my report and on XX/XX/XXXX we saw the improvement we were looking for and proceeded to put an offer in on a house and go under contract the next day. We were however off by just a few points and the credit repair agency said they would be able to get those number up before we closed. 

However when we got the report on XX/XX/XXXX - USAA reported two additional past due, one at 60 days and one at 90 days on a closed account from XXXX. These two additional hits caused a 25+ point drop in my credit score. 

This was done and we now have no recourse and according to USAA it will take 60 days to fix in what took them 6 days to destroy. The issue I have with their error is that 25+ will cost us almost {$12000.00} because if we would have gotten the 10 points based on the XX/XX/XXXX report we would have gotten lender credits to cover all the costs required to close on our house. 

Because we did not find this out until 10 days before closing we feel our hands are tied but we want this to be reported that USAA is in fact not taking care of Veterans which is their tag line but in fact finding ways to punish them and leave them out to dry.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Student loan

Six months ago I got in contact with the collection agency that has my student loans that are currently in default because I wanted to improve my credit and start repaying my loans. The collection agency is called FHCann & Associates and this is the worst company I have EVER dealt with. The process to start paying my loans back took many, many, many phone calls while I was trying to work. They needed paperwork after paper work. I was having to fax them and that wasn't good enough so I had to email them and that still wasn't good enough. This went on and on to the point that it was absolutely ridiculous. We had settled for {$100.00} a month so I had direct deposit set up for them to take it out my account and they have every month without fail. They had tried to go up on my payments to {$150.00} and then they actually tried to go down on my payments to I think it was {$55.00}. I told them that we would keep it at {$100.00} and they agreed. I was also told that after I make 9 payments on time that my loan would come out of default status and I would be able to make my payments to the Department of Education instead of them. Finally I was told that the papers I had sent were good but they had already taken I think 2 payments and I thought we were all set. All of a sudden I get my statement in the mail and it looks different so I called them. They stated that even though I had been making payments every month on time through direct deposit that it was not qualifying payments and I would basically have to start all over again and they needed a new income statement and pay stubs. I am currently in the busiest time of the year so I have been pulling 60 plus hours every  week since the beginning of the year so when I send them my financial statement my payments will be outrageous and because I won't be able to afford those payments so then any payments I make would be non-qualifying payments therefore my loan would never come out of default. I am trying to do what I can to make payments on time every month, they are the ones who set the amount to come out my account. I feel that I have done my part and this is harassment and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many incorrect addresses and personal names attached to my credit report along with incorrect employers.