23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Capital One put a late payments on my credit report which is hurting my credit badly, I am in the process of buying a home for my family but the last payments on my credit report are hurting my credit, I do not have an open account with them, and I am not owning any money.
Product: Debt collection

Please investigate the reporting of this account. I don't believe this account is reporting accurately. According to the company, I opened an account with them on XX/XX/2023, but I know nothing about that. 

This is now appearing on my credit report and is hindering me from getting approved for a new home. This negative report is causing me a lot of suffering and hardship. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Mu ltiple Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquires that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST  be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Equifax in XX/XX/XXXX in regards to late payments being reported on my student loans, which are currently being serviced by XXXX. My student loans have never been late and I submitted documentation showing my loans were in forbearance and/or a revised pay as you earn plan ( {$0.00} a month ). I have listed 6 of the 12 loans ( due to not wanting to confuse anyone ) which are being reported inaccurately. All 12 loans have the same issue and I can upload more documents if need be. The accounts are listed in the same order as they appear on my credit report. 1. Original Loan Amount {$3500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 2. Original Loan Amount {$2700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from (XX/XX/XXXXXXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 3. Original Loan Amount {$1700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 4. Original Loan Amount {$1400.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 5. Original Loan Amount {$5500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 6. Original Loan Amount {$5000.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment.
Product: Prepaid card

I used my CashApp card to pay for a hotel room deposit on XX/XX/XXXX. The deposit was {$100.00}. I checked out of my hotel room on XX/XX/XXXX and received my hotel folio via email that day. The room charges that I made totaled {$67.00}. In past, I have had my room deposit transactions updated or returned within XXXX hours of checking out. So I contacted CashApp support on XX/XX/XXXX asking if they had any updates about the status of the still pending deposit. CashApp support informed me that if I sent them my hotel folio they could work on updating the status of the transaction to reflect the portion of the deposit I had used. I sent my folio which provided all information that support stated they would need to resolve the issue. Upon sending it, they responded with a regurgitated statement saying that the document needed to have all their required information included. I responded to them saying the folio has all of their required information. I broke it down in text telling them where each item would be found on the folio. They then stated that they would no longer take any questions about my inquiry and I needed to wait 30 days until either the transaction was updated from pending status or the transaction would automatically cancel. I asked for the issue to be escalated to a support supervisor and it was. I was then contacted by a support supervisor. I was told that the hotel had charged my card on XX/XX/XXXX in the amount of {$32.00}. This is the amount that should have been returned to my account as it is the difference between my deposit amount and the room charges I had made. I asked why I did not see a new transaction in that amount and why the amount is exactly what should have been returned to my account. I asked what information was missing from the documentation that they had requested about the transaction. The supervisor refused to answer any of my questions and instead informed me they wouldnt take any further inquiries about this transaction until the 30 day time frame had elapsed. Considering that the hotel had updated CashApp with the transaction amount XXXX hours after check out and I gave CashApp all the information they requested with all of the dollar amounts reflecting, it makes XXXX sense to me why they are withholding my money from me. As a customer, it is even more infuriating to me that they wont even directly answer a question about it. As for the 30 day holding period, its XXXX. This is a debit card transaction not XXXX. They can instantly resolve these issues with a click of a button. The only reason why I think CashApp or XXXX would have a policy like this is to ensure they have enough liquidity to stay functional. Sounds like a failure of a financial product to me. And as the saying goes, if it looks like it and smells like it, it is it.
Product: Credit card

On XX/XX/year>, at approximately XXXX XXXX, I was given notice that my Bank of America Corporation Credit Card Accounts # XXXX / # XXXX were denied, finding furthermore, they had been closed. I wasn't made aware of why this action was taken against me. However, I have the right to unlimited credit. as the holder and creator of the funds that are held or securitized by these accounts opened or closed. 

Additionally, while on the phone with the agent, fraud was mentioned, and I was put on hold ; soon after, the live call was abruptly disconnected without further explanation for any reason for this adverse action, which I find as cause for complaint. 
The latest statements were uploaded from my accounts, showing credits, although limited, were during the time and should have been readily available for my needs, consideration, and benefit at the time of this act. 
.
Product: Credit reporting or other personal consumer reports

I have formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX XXXX  was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Product: Student loan

I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.
Product: Credit reporting or other personal consumer reports

Subject : Request for Rectification of Privacy Breach in Consumer Credit Report Dear Equifax, I am writing to address a significant matter pertaining to the unauthorized inclusion of certain accounts in my consumer credit report, which I believe constitutes a breach of privacy and identity fraud. 

Pursuant to the South Carolina Consumer Protection Code, specifically 37-20-110, any addition of items to a consumer report requires explicit consent from the consumer. Furthermore, in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the information in a consumers credit report is considered non-public personal information. 

I want to emphasize that I did not provide authorization for the reporting of accounts that are currently negatively impacting my credit reputation. These unauthorized accounts include those with derogatory remarks, accounts in charge-off or collection status, and accounts negatively impacting my payment history. 

The continued reporting of these unauthorized accounts by Equifax not only violates my privacy but also raises concerns about identity fraud, which is a direct violation of the South Carolina Identity Theft Protection Act ( 37-20-170 et seq. ). 

I hereby request that you promptly rectify this situation by removing the aforementioned unauthorized accounts from my credit report, in compliance with the aforementioned laws. Failure to address this matter appropriately may be considered willful negligence under the FCRA. 

I appreciate your immediate attention to this issue and expect that you will take the necessary steps to rectify the breach of privacy in accordance with the relevant state and federal laws. 


This complaint was construed and submitted in the act of good faith.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Credit reporting or other personal consumer reports

SECTION 1681 STATES THE LAW STATES THAT CREDIT REPORTING AGENCIES MAY NOT REPORT A BANKRUPTCYCASE ON A PERSONS CREDIT REPORT AFTER TEN YEARS FROM DATE AS FILIED. GENERALLY, BAD CREDIT INFORMATION IS REMOVED AFTER SEVEN YEARS. I PAID MY DEPT TO XXXX BALANCE AND IT SHOWS INACCURCY DATE, TIME AND PLACE. NO REFERERNCE NUMBER ARE CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I am a federal government employee and my official government credit card ( Citi Card ) was fraudulently charged {$25.00} on XXXX XXXX, XXXX. Once I noticed the fraudulent charge, I called Citi Card and filed the attached Declaration of Unauthorized Use. Citi Card notified me orally and by letter that I am responsible for the fraudulent {$25.00} charge because the " card was in my possession at all times. '' I do n't dispute that the card was always in my possession but the credit card numbers of my official Government credit card were hacked and fraudulently used. I should not be responsible for these charges. As a federal employee, I am required to use my official Citi Card credit card any time I travel for an official purpose. Making federal employees liable for all fraudulent hacks of their credit card is blatantly unfair and contrary to FTC guidelines. 

I have made this assertion to Citi Card numerous times without success. I should be refunded the {$25.00} fraudulent charge.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

Due to Identity theft I wish to have the attached items deleted from my credit report. The items I need deleted will be listed in a document attached with this report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have enclosed of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items attached as soon as possible.
Product: Checking or savings account

I have a business checking account and my account got froze and there's a fund on it and they're not releasing most of my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that are not mine
Product: Student loan

i lost my job while pregnant and i was experiencing financial difficulties as a result of unforeseen circumstances. bank of american never let me defer student loan payment s or place me in forbearance. the loan then went to a collection agency as a result. this defaulted loan is ruining my credit and i would like to resolve this.
Product: Checking or savings account

About XXXX weeks ago, my bank account and my wife account was lock by Chase bank. 
They ask me to call XXXX XXXX XXXX for unlock. I call and take about XXXX hours for unlock my account after they transfer around my call. 
On XX/XX/2024 my XXXX and my XXXX  go to the bank for unlock her account, but yesterday my XXXX  account was lock again. Can not login for pay bill because it is a bussiness account ( XXXX XXXX XXXX XXXX )
Product: Debt collection

A representative from United Collection by the name of XXXX XXXX at XXXX extension XXXX called my elderly mother and father in law and told them I have a uncollected debt and they need to reach me. I have never listed this address or phone number as a contact and my correct address and phone number are public information and listed on my account. This was a violation of my privacy and had my elderly in-laws very upset.
Product: Vehicle loan or lease

XXXX XXXX XXXX payment they XXXX XXXX XXXX XXXX XXXX XXXX wasnt over 30 days late I will paid them on a later date because my work got a little show so I had to pay on a later date but my payments was paid that same month but a later date and for XXXX XXXX XXXX XXXX they did me the same way I will like my account to be back to pay on time not late payment I try to dispute the payment but they didn't investigate Credit Acceptance corp
Product: Credit card

I applied and was approved for {$2000.00} with no annual fee. I needed to change my mailing address so I emailed them my request and they told me they could not process my request without certain documents indicating proof. This is unusual considering my other cards do not require this. I emailed them proof and someone named XXXX replied and said " the photo didn't show all four ( 4 ) corners of the document - resend I sent it again with the four corners showing. It was rejected AGAIN. This time, they said it would be better to go to their website and upload ( what???? ). Why didnt they tell me this THE FIRST TIME?! 

So, I tried to do that but there was nothing on their website that allowed me to upload ( a very basic website that looks like it was created by a 3rd grader ). I emailed back to re-send my documents again and they rejected it AGAIN saying I had to call. WHY DIDNT THEY SAY THIS BEFORE??????? ALL OF THIS RUN AROUND JUST TO CHANGE MY MAILING ADDRESS. I then learned ( from my credit report ) that the {$0.00} annual fee was a lie they actually charge {$75.00}, which I would have NEVER signed up for if I knew this. I always look for cards with {$0.00} annual fee. They lied to me about this. They are fraudulent. 

Due to their lack of professionalism and misleading me with false information, I called them up and told them to cancel the card. I only had them for about a month and I never used the card. They sent me an email confirming it was canceled. I opened up a dispute with XXXX to get this off my credit report, but XXXX contacted today ( XX/XX/23 ) informing me that AVANT was contacted and they ( AVANT ) said my account was, indeed, open. This is a lie. I specifically asked AVANT TO CLOSE THIS ACCOUNT due to my unhappiness with their service. I called them and asked them to send me another email confirming cancellation and they refused. I, then, asked them to please send me something in writing and they said they cant because since I signed up for paperless they can not send me any paper. This is absolutely ridiculous and deceptive. I DO NOT WANT THIS CARD and the fact they are making it hard to leave them is even more disconcerting and shows a dishonest company. I want this card cancelled!!! The account ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.
Product: Mortgage

I have been trying to modify my loan with Citimortgage for over 5 years. I have spent over {$35000.00} with attorneys and consultants. I have spent thousands of my own hours as well trying to work through their system. I have been lied to, I have had paperwork lost, I have had to cancel business trips in order to file court docs and most importantly, I 've had to explain to my kids how we could be forced to leave our home at any given moment. I have copied XXXX XXXX, the CEO of Citimortgage, on dozens of documents over the past year pleading for fair and reasonable treatment. She has provided no help. 
I need to have my foreclosure stopped and I need to sit down with someone with my bank statements and renegotiate my loan as they have done for so many others.