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

On XX/XX/2018, a charge of {$1600.00} was made on my Home Depot Credit card. The charge was made at a XXXX, Illinois Home Depot. I did not make nor authorize this charge. I called to report it and Home Depot immediately removed the charge, issued a new card, and closed the old account. I thought issue resolved. well, 2 month later I get a letter from Home Depot Security Services stating their " investigation '' revealed no proof of fraud, and I am responsible for the charge. They put the {$1600.00} back on my new account. I called, and was told they see no evidence of fraud, and I must prove I did not make the purchase. I asked how can I prove I did not make the purchase other than tell you I did not make it. I asked what evidence they have of me making the purchase. Me on video at the store on XX/XX/XXXX, verification of my identity for such a large purchase, a signature for the purchase. I was told they have none of those things, as they can not view video of the purchase without a police report. This makes no sense, as they must have video, and it is their video, so they can not review it???? 
I filed a complaint with the FTC, and have requested once again, in writing that Home Depot remove this charge from my account immediately.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

TransUnion LLC Attn : Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by TransUnion. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for TransUnion to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required.

Thank you for your cooperation. 

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

I had a CITI commercial card that the military issued me, that ended up being a charge off. For some reason the XXXX did not complete the final voucher to pay the card in full before I dishcharged, although they signed it off on my out processing form. Unfortunately I had no knowledge of the delinquency and subsequent charge off due to the fact that I was contracting overseas in XXXX. I didn't know about the charge off until it showed up on my credit report. These cards do not normally report when the status is current, only when its charged off. I paid the card in full out of my own pocket. Although I paid it in full, it misreported in XXXX and tanked my scores by 35+ points. I called CITI directly and they told me they don't know why it would report that way and they aren't seeing anything on their end. I honestly don't believe they were taking me seriously. I sent in proof of payment and the misreporting on my credit reports. They responded with an email and case number annotating I will receive a response in 2 BUSINESS DAYS. Its been 2 business days and I have not received a response, which reinforces my initial feeling they are not taking my concerns seriously. I'm trying to buy a home in the near future, and this misreported derogatory information is suppressing my credit scores for a paid in full account.
Product: Debt collection

Hewitt Capital has been contacting my children and my mother about debt they say I owe ( and other messages to get me to call ). Of course I called them as soon as I received the number, and they said I owed money for a XXXX XXXX Loan with XXXX XXXX   ending in # XXXX. I have no idea what this is about, and I did not take out a loan. When I asked them for more information, they hung up on me -- twice. 

I asked them to stop calling my family members, and I hope they haven't called my work. 

I am a XXXX XXXX  ( 25 years ) with a credit score of 800+, and I don't want this fabricated loan to mess up my credit or make my family worry that I've suddenly become irresponsible after a lifetime of being completely responsible and dependable. How do I make this stop? And how do I protect my identity? They see to have my social security number.
Product: Debt collection

I contacted " XXXX '' to initiate service in my new apartment was told I have an outstanding debt that I'm not obligated to pay due to the debt being over 5 years old.
Product: Credit reporting or other personal consumer reports

Hello, In XXXX, I realized that my XXXX credit card had more than {$3000.00} in false charges on it stemming from a check ( it was not a checking account and had no checks associated with it ) to XXXX. It was my fault for not checking the balance more regularly ; I didn't check it because I never used that card. By the time I did, the fraudulent {$3000.00} had already been reported to the credit bureau. 

When I called XXXX to try to fix this, it took weeks and weeks of talking with them on the phone - they would not give me a contact person, so every time I called, I had to explain the entire situation again because they didn't keep notes. They told me to not pay the balance since it was fraud and would be removed from my account. Finally, after about 6 months, the fraudulent {$3000.00} was removed from the account and they sent me a letter ( attached ). But in the meantime, 7 late payments were reported to the credit bureaus. I asked many many times for XXXX to change this, and they repeatedly said they had. Finally, I said please close the account, which at that time was at like {$50.00} balance and they said would disappear. It did not disappear. Note - XXXX removed this from my credit report. Equifax and XXXX did not. 

Of course, 4 years later, the late payments and that residual balance are still on my credit report. In fact, when I tried to dispute it with XXXX last year, they insisted that they talked to XXXX and that it was correct ( without providing any documentation ) and then all of a sudden a bunch of charge offs appeared on my account, making it worse. The initial charge off balance is now {$400.00} and seems to be continually going up, and no one will listen to me or help. They sent me no documentation other than the dispute results and a credit report ( attached ). 
Equifax opened 2 disputes also confirming that XXXX was correct with no recourse and no documentation other than : Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX and the credit bureau say my account is closed. But this amount is listed every year as a charge off, creating more of a credit issue. I asked many times to speak to someone else at the credit bureau and at XXXX and they said it was not possible and refused to do anything about it. 

XXXX XXXX is XXXX on XXXX XXXX XXXX score is XXXX on XXXX XXXX XXXX report from XXXX  XXXX is XXXX Equifax score is XXXX I am truly frustrated and sad. 

XXXX XXXX
Product: Consumer Loan

I bought a car from XXXX, and GoFinancial is the lender. I received delivery of the car in XXXX 2015, got plates and had no problem with the car. XX/XX/2015 I moved to XXXX from XXXX. I went to the DMV and filled out the necessary paperwork to have my license plate transferred. To have the plates transferred GoFinancial must send proof of title to the State of XXXX. XXXX will not accept electronic proof of title. GoFinancial has failed to provide proof of title to the state of XXXX for a year now. I am paying for a car that I can not drive, because I can not get a license plate for it. I have been working with the title department of GoFinancial for about the last 6 months. When I call they tell me they have to order a copy of the title from the bank, and that that takes a few weeks. I say ok and wait. When I call back they never have any record of ordering the title. The last time I talked to them they told me the tile " appears to have been lost ''. I have asked them to take the car back and they told me that would negatively effect my credit and I would be responsible for any negative equity the car may have. At this point I have been paying for a year for a car that I can not drive.
Product: Credit card or prepaid card

On XX/XX/2022 I received an e-mail with approval for an unsolicited AvantCard credit l9ine of {$750.00} for which I did not apply. I then received a second e-mail stating that there was a discrepancy in the address used on the application not matching with my credit report. 
An inquiry is now on file with my credit report. 
I received a 3rd email on XX/XX/2022 at XXXX XXXX  welcoming me the Avant Card services and received a card member agreement electronically. 
And finally, a 4th e-mail was sent on XX/XX/2022 at XXXX XXXX  stating that my loan application was denied. 

I never applied for credit with AvantCard. I contacted the company and started a fraud case, but have yet to hear from their fraud department.
Product: Credit reporting or other personal consumer reports

Dear Capital One I am writing regarding my account, which was recently closed. I believed I had paid the account in full, but I noticed a missed payment has been reported on my credit report as of today. Ive since paid the account balance and respectfully request that you consider updating the account status to " Paid as Agreed '' as a gesture of good faith. I have always aimed to maintain a positve payment history, and any adjustment you could make would be greatly appreciated. Thank you for your time and consideration.
Product: Student loan

XXXX refuses to provide any information on consolidating my XXXX loan from XXXX  University in XXXX XXXX into a direct loan in order to have it discharged under the president 's relief. The university officers were similarly completely useless.
Product: Checking or savings account

Everytime I start paying my bills online and I go XXXX or XXXX and steal money out of my account and they do this often
Product: Debt collection

This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for SCRA ). This collection agency continues to try to collect and has put negative information on my report.
Product: Checking or savings account

Hello, my name is XXXX XXXX, I have a son XXXX XXXX with XXXX XXXX. He receives Social Security benefits monthly. I have a bank account at Wells Fargo together with him. Recently my computer was hacked and money was sent out from this account thru XXXX at Wells Fargo to my name and my other son 's XXXX only received the initial {$5.00} but not the {$900.00}, I was supposed to also receive {$100.00}. Upon investigating the fraud department from Wells Fargo denied the restitution of the money hacked .Total of {$1000.00}. XX/XX/XXXX was the day that this happened, I immediately called the bank and the account was closed. I also deleted the XXXX receipients. Wells Fargo never asked for my XXXX XXXX  XXXX statements and my other son 's XXXX to see if the money really got deposited into these two accounts. I am very upset, the only money that my son XXXX receives and saves due to his illness. Please try to help and Hopng to hear from you soon I send my regards Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of a fraudulent inquiry from my credit report. After reviewing my credit history, I discovered that there is an inquiry listed which was made without my knowledge or consent. This inquiry was performed online, and I am absolutely certain I did not authorize or initiate it in any way.
Product: Debt collection

ERC XXXX XXXX XXXX XXXX, Florida XXXX This company mailed me a bill claiming if I paid XXXX my debt would be paid for ATM & XXXX so I paid them and the emailed me paid! But they keep calling constantly and more bills for the same debt I payed
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had five to six late payments on two accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates XX/XX/XXXX-XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached and or pdf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is refusing to remove a debt that is past the statute of limits. They briefly removed it then quickly put it back on. I filed a complaint via mail with evidence from the collection company themselves and XXXX  just responded they were satisfied with the inquiry and the information was staying on, even though the collection company 's own documents are saying it's past statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.
Product: Checking or savings account

My wife and I own XXXX XXXX XXXX XXXX which is a real estate holding company for a commercial building ( Preschool ). Our business Bank account is held with Fifth Third Bank. On XX/XX/2022, our banking representative reached out to us asking if we tried to submit a {$500000.00} wire. We informed her that we did not and she was able to stop that transaction from happening. The following day ( XX/XX//2022 ) I logged into Fifth Third 's online banking website to check my account and noticed a wire transaction was processed in the amount of {$100000.00}. We did not initiate this wire and immediatley notified our representative and she confimed a wire in the amount of {$100000.00} was indeed sent without our consent and she filed a Fraud case with their Fraud Department. They tried to reverse/recall the wire with no success and now our Small Business is out of {$100000.00}. After a Fifth Third internal investigation, the bank is claiming the money can not be retrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The XXXX XXXX containing 18 fields, which ensures that the information was identified correctly by your bureau, The XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.
Product: Credit card

When opened we were informed that each dollar spent earned XXXX point equalling XXXX XXXX per point to redeem towards travel expenses and restaurants no limits. Regardless when the purchase took place, no difference if purchased now or XXXX years ago. However they changed the terms without informing and only keeping charges made within 12 month. Ignoring grandfathered accounts and at the same time if points not used voiding them.
Product: Debt collection

I spoke with the agency Monday to settle the debt. They would not accept my payment amount offered. Contacted me 4 days later to threaten to pay the debt or they will take legal action. Law states they can not contact me within 7 days of speaking with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and on XX/XX/2022, First Federal Credit Control placed two collections on my account for a medical debt. I paid the debt for both accounts in full on XX/XX/2022 and this company agreed to delete the collections from my credit. The total amount was {$230.00}. The numbers for both the accounts are # XXXX and # XXXX. I would like to have these accounts removed from my credit immediately since it is severely impacting my credit score.
Product: Credit reporting or other personal consumer reports

I moved into an apartment in 2015, and when my landlord ran my credit, I realized that my identity had been stolen, with over XXXX accounts opened in my name, from credit cards to personal loans, store cards, and even a utility bill. The total amount of debt was over XXXX dollars. 

I immediately took action against every account. Getting these matters cleaned up took a lot of time, money, and energy. Still, to this day, several of them haunt me, and they will not leave my XXXX or XXXX credit report.
Product: Debt collection

XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times Calls on Saturday 's and Sunday 's and when I attempted to discuss the debt, I was cursed at and told I was a XXXX XXXX XXXX XXXXXXXX because I could not afford to pay the bill. 

I tried explaining it was due to a divorce and is my ex-spouse responsibility, but was told they hear that every day and just didn't care for any excuses. 

I have no idea who they are collecting the debt for, as I was never notified the debt was sold?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On each one of these times, I have reached out to WFDS letting them know that there is an authorized late payment on my closed account. I do not approve of this late payment and I had a really good payment history on this closed account. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact, exist.
Product: Student loan

Received an email today that they did not send the repayment email timely, so they are waiving any payment from XX/XX/2023 to XX/XX/2023. However, I already paid my XX/XX/2023 payment because they did sent it to my credit company to affect my XXXXredit score. In checking my credit score, my updated loan balance isn't showing the amount that was previously forgiven, still showing that I owe {$41.00}, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, someone opened a Bank of America credit card in my name, in the amount of {$16000.00}. I have NO knowledge of this nor did I open this account. I reported it immediately to Bank of America. They put an alert on the credit card and closed it. Five ( 5 ) days later, XX/XX/2023, someone opened yet another credit card account in my name, in the same amount, {$16000.00}! I was never notified of this credit card, until I received an email from Bank of America. Someone had credit card sent to my old address in XXXX  I reside in XXXX. I contacted Bank of America again, but they would NOT close the account! Stated that I had insufficient information and didn't correctly answer their security questions. I notified all three credit bureau agencies both times and have a FREEZE on all three reports. Bank of America refuses to close the credit card account in my name, that is now shown on my credit reports, when this is NOT my account.