23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/2019, I noticed there was a link to open First Midwest Bank account online, so I went through the link, filled all my information and submitted my application. A week later, I noticed my account was open and I had the online access to manage my account, so I used the ACH system to transfer my money to my new account. Everything looks good. However, two days later, I noticed I lose my access for online account and my debit card as well. Then I checked with the bank. They mentioned they need more documentation to open the account and activate it, and requested my to mail several documentations to certain location. I didn't feel safe to mail my personal info, so I refused to do that and requested to close my account and send me my money back. But they didn't allow me to do that. They don't allow me to close the account and didn't want to send me money back. Tried several numbers to fix it, but still can not. Right now, I still receive the statement from the bank, but I lose all the access to this account, even for my own money.
Product: Prepaid card

I have two Amex gift cards and they can not be used on XXXX or any other place I try to use them. Amex says they are being declined for security purposes but why?? Both cards are valid and supposed to be accepted where Amex cards are accepted. Amex is useless in helping. Im so frustrated and have spent countless hours during the month of XXXX on calls and trying to use the cards to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-XXXX ACCOUNT {$1300.00}
Product: Credit reporting or other personal consumer reports

I noticed that my credit report contains inaccurate personal information, which I suspect might be due to a clerical mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX steered me toward forbearance pausing payments with interest accruing instead of lower-cost repayment plans, which ultimately increased my debt. In addition to that, the process of requesting information was never fulfilled which caused a discrepancy on believing that payments were applied incorrectly, leading to missed payment reports or increased interest charges.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Credit reporting, credit repair services, or other personal consumer reports

Capital one was contacted on XX/XX/XXXX to inquire about changes on my credit report. I spoke with XXXX XXXX in the recovery department who explained there was no department I could speak with to address how the credit is being reported. I asked to speak with a supervisor. A supervisor did not come on the line but I was able to speak with a Senior Account Manager, XXXX XXXX who advised the account ending in XXXX was noted on XX/XX/XXXX that the account should be deleted. At that time I requested that no information be deleted from my credit report because ambiguous information or a lack of positive history could tank my credit score. I was told the account would be noted and was provided an address for general correspondence to dispute the action. I have multiple disputes regarding the late payment history that has shown on my credit reports with Capital One and have been advised the information being reported is accurate. I did send a letter in XX/XX/XXXX and did not receive a response to my request. After my communication in XXXX Capital one has taken steps to accurately report late payment status and began in XXXX and over the last few months removing positive payment history up to the dates where the negative payment history began with this account. My credit score has subsequently dropped almost 100 points. There was one other event that impacted my credit score negatively where a 25 year old debt I had forgotten about resurfaced. The removal of the positive payment history changes the calculation and all credit card usage for a few months caused my score to drop 12 or more points although I was at a low to moderate credit usage ( 12 % or less ). On one week only my credit card payment was updated and dropped by score. XXXX  showed a payment amount was reported and when contacted insisted to reach out to the credit card company. I was told by Capital one that the new balance is being reported only and accurately and to create a dispute with the credit reporting bureau who has the ability to identify the payment amount based on the previous months payment. My complaint is that incomplete information was created by the deletion of accurate and positive payment history. Also XXXX  is reporting the account as a revolving account that is closed and not as an account in collections. XXXX  shows the difference between the credit limit and the balance owed as available credit. This is calculated individually as a percentage of credit usage on a closed account where credit is not available. I don't know if the card company or the credit bureau is responsible for relaying that a closed, written off account has an available credit amount. I have read multiple articles provided by Capital One who suggests that card holders pay debts off within 90 days to avoid negative reporting to their credit reports. Although this is true and standard for active cards heading toward default, the subject matter of the article was in regard to removing negative payment history on reported in scenarios that include defaulted cards.
Product: Credit card or prepaid card

The previous I was a complaint credit card/debit isn't resolved my disputed. The banks only proved what they are credit back from XX/XX/2013 to XX/XX/2013 not credit back from XX/XX/2013 to XX/XX/2013 & before XX/XX/2013. I can not access to my business account to provide my business missing credit back.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : 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: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is in major violation of the following laws : The Fair Debt Practices Act 15 USC 1692g 15 USC 1692e ( 8 ) 15 USC 1681 The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) The Truth in Lending Act 15 USC 1602 ( g )
Product: Credit reporting or other personal consumer reports

Hi, XXXX XXXX. 

My Name is XXXX. I have been asked to contact the early warning services team regarding the issue of open bank accounts with XXXX XXXX. 

Name : - XXXX XXXX Address : - XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Due to feedback received from the consumer reporting agency ( Early warning Services XXXX XXXX XXXX  teams are not ready to open my account. This is all started by the report shared by Early warning Services to banks. 

Let me brief the whole incident & how i am suffering due to this wrong report. 

The whole reason mentioned below is how the scammed happened to me. I have appended all chat with the organization, offer letter & fake check. without knowing any reason & justification from my end Bank of America decided to block my account instead to enquiry about the fake individual or fake organization who did this. I had registered a Complaint Report to Fraud FTC GOV ( XXXX ), because the same incident early warning services generated the report which directly impacted on my daily life. 

Short Story Of Whole Incident & Scam : - I was looking for a job & applied on all job platforms. I got a ping on XXXX XXXX chat from XXXX XXXX. She told me that she works for XXXX XXXX XXXX. After all the discussion she offered me an offer letter & check to buy their company hardware & software. I had submitted the check into my account & I came to know from the bank that the check was fake & XXXX  XXXX XXXX blocked & closed my account. I am going through a lot due to this incident/scam happened to me. it also impacted on my financial & also not able to reopen my account with XXXX  XXXX XXXX nor in any other bank. desperately looking for a solution on this. 

I have all the evidence with me like XXXX teams chat details, offer letter, check details & complaint email to XXXX  XXXX. 

I have appended all evidence here with this email for your review & reopen my account asap & ask your report agency to make corrections to my report in their database. so that i will be in position to open my account asap in week time. Let me know if you need any further input/details/data from my end. 

If you think there are any mistakes from my side after looking at all evidence let me know please. I am the victim & I am only suffering. 


Regards, XXXX
Product: Debt collection

On or around XX/XX/2020 HP Sears has added a collection to my account without any notifications. This collection has previously been removed from my credit reports for not having served the proper documentation as well on or around XX/XX/2020 and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

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

I had a past due debt with Synchrony Bank. Synchrony Bank sold the debt to a third party in XXXX of 2017 and reported it to the CRAs as a " Charge Off ''. Despite having sold the debt, Synchrony Bank continues to this day to report a " balance '' owed with the CRAs. My understanding is that pursuant to the Credit Reporting rules, once a debt is sold to a third party, the original creditor must report the balance as XXXX. Nevertheless, for over 3 years since Synchrony Bank sold the debt to a third party, they continue reporting the " charge off '' debt with a balance owed every single month. The balance should be XXXX since they sold it. I notified them multiple times and they refuse to comply. 

Keep in mind that the third party who Synchrony Bank sold the debt to also reported it on my credit and also sued me for the balance. I ended up settling that debt out of court. Nevertheless, due to Synchrony 's refusal to report the balance as XXXX  since they sold the debt, it now looks like I owe double the debt. This is wrong. 

Also note that I had a friend contact their attorneys and they wont even respond.
Product: Money transfer, virtual currency, or money service

I can not establish an account with Venmo ; I am a victim of fraud and Identity theft. The person responsible has been arrested.I can not establish a legitimate account in my name.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint regarding Credit One Banks handling of my account, which was impacted by identity theft. Despite my efforts to resolve the situation, the banks actions have caused considerable distress and inconvenience.

1. Initial Issue : My wallet was compromised on my phone, which resulted in a breach of my personal information. This prevented me from accessing my accounts and made it impossible to make timely payments on my XXXX XXXX XXXX  account. I immediately contacted XXXX XXXX XXXX  to inform them of the situation and submitted an identity theft report, as well as my birthday information to verify my identity. 
XXXX. Attempts to Resolve : I explained the breach to XXXX XXXX XXXX  and was waiting on the reissuance of cards from other banks. Other financial institutions took immediate action to reissue my cards and implement additional steps of verification to protect my accounts. Unlike those institutions, XXXX XXXX XXXX  closed my account, and despite refunding me the money related to the fraudulent charges, they reported the account as delinquent, which negatively affected my credit.

3. Banks Response : While I was refunded the money from fraudulent charges, the account closure and the delinquent report on my credit was inaccurate. At the time of the refund, I had no outstanding balance on the account, and I was actually credited an additional {$39.00} from a late fee refund.

4. Why This Is an Issue : The late payments and the closure of the account on my credit report are not an accurate reflection of my situation. The breach of my personal information prevented me from accessing my funds or making payments until the banks reissued new cards and took necessary steps for verification. Other institutions cooperated and worked with me to resolve the situation, but XXXX XXXX XXXX  actions have caused unnecessary complications.
Product: Debt collection

I received a letter in the mail stating there was a change of lawyer on a debt. A few days later I and my relatives received a call from a debt collector. I called back and they were unable to provide me with further information because according to them, the XXXX XXXX they had on file was not the same XXXX. My birthdate and the one on file did not match. A few days after, I received a letter from this same company stating I had a judgment against me from XXXX. I called the company to follow up, left a message and no one has contacted me back. It says original creditor is XXXX XXXX XXXX and charge off date was XX/XX/XXXX I do n't recall having credit cards with XXXX XXXX XXXX. I 'm unable to follow up with the agency because its not me, but I 'm receiving letters from them. I do n't believe this is my debt and would like to clear this from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Equifax inquiries : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX called Citibank regarding balance transfer. It was not available to me online. The CS rep asked for the account number. I gave him the number and bank name. Told him to transfer the amount of {$980.00}. He processed it. Watching the app the transfer said pending with the amount but there was no bank name listed on the app. XX/XX/year> followed up because transfer hadnt posted. The CS rep said it would post by XX/XX/year>. On XX/XX/year> received a text that transfer processed. Looked at my account ( to be paid ) and saw nothing pending. Checked citi app and saw the transfer was sent to the wrong bank. Called Citi CS and the rep tried to calm me down by saying that maybe the bank name changed in the last few weeks. I told her that was rediculous and she needed to void the payment. She insisted I give is a few days. I hung up and called back 2 more times that day until someone filed a dispute. At no time did they close my card to protect me. They also said there was no reference number for said dispute. They are not willing to return the {$980.00} plus transfer fee currently. One rep said they needed to get their refund first but at this point who knows if that is true. They did say that I would get an email outlining their process. ( Which I later find to be untrue ). Called again on XX/XX/year> looking for confirmation, was transferred to investigation department who then transferred me back to CS. Neither helped me. Called again XX/XX/year> twice because one rep said there was no dispute on file then the second rep said there was. Something does not feel right here. I am responsible to pay based on the total balance even though they did not pay my bank. I also had to send a second transfer plus fee because this one didnt go through. HELP!!!

**attaching document as a visual of how unclear a balance transfer appears on their app. The {$980.00} was already cleared but I had to make another transfer to cover the balance. As you can see it does not say which bank is being paid. Therefore every time I checked I never knew there was something wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is a follow up complaibt. If ypu log me out again you eill have to deal with ic3.gov I just spent XXXX 20 minutes typing it. Short version Bank of the West 2nd company XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX in all XXXX branches XXXX XXXX and XXXX. XXXX XXXX at XXXX or email XXXX all the texts emails I have. This is all connected per your inadequate response for more info it 's all XXXX connected. The loan to loan to company to bank to XXXX XXXX XXXX XXXX XXXX to my account rllihitimizing my XXXX XXXX loan do your homework or i will report you to FIX you have all the names previous complai t number XXXX now its for Bank of the West and XXXX XXXX XXXX XXXX and Florida law enforcement and XXXX and XXXX XXXX people trust accounts that were used to burry off of stolen money. If my loan is no good per XXXX XXXX XXXX then all of those bodies will have to be exumed