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

XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Equifax today, but I keep getting an error message. This is such an inconvenience. Ive attached a fraud affidavit to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX account XXXX XXXX {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.
Product: Student loan

Spoke to studentaid.gov on XX/XX/XXXX and told them that my PSLF counts are incorrect. XX/XX/XXXX is missing. XXXX and XX/XX/XXXX are marked as ineligible due to ineligible forebearance even though XXXX sent me an email saying the the XXXX platform transition would not affect eligibility for PSLF as determined by the ED/student aid and this email has been attached. The platform transition involved XXXX and XX/XX/XXXX. Additionally, XX/XX/XXXX was marked as ineligible due to ineligible forebearance, but XXXX again stated it should be eligible as it was a processing forebearance for SAVE recalculation. When I spoke to studentaid.gov they told me to submit a reconsideration request to fix all of these issues. I did and the case number is XXXX and then I submitted a complaint today to the studentaid ombudsman FSA feedback cases XXXX and XXXX, one of which is a complaint for this issue and the other is for the buyback for PSLF which I have still not received an offer.
Product: Credit reporting or other personal consumer reports

I have raised disputes regarding incorrect information on my credit report with XXXX, Equifax, and XXXX. Despite submitting multiple disputes, the inaccuracies remain unresolved. These failures are causing significant harm to my credit profile. 

Dispute Reasons and Violations : Failure to Correct Inaccuracies ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus did not adhere to the 30-day investigation period required for disputes, leaving inaccuracies unaddressed. 

Failure to Verify Information ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : The credit bureaus have not followed proper investigation protocols, as they have failed to provide sufficient evidence or findings supporting the accuracy of the disputed information. 

Improper Reporting of Negative Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus continue to report outdated information that should have been excluded from my report, violating the time limits outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

18. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

20. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

21. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have been a Capital One Visa Credit Card customer for over 25 years and I have always been satisfied with the customer service. As a matter of fact, my partner signed up for a Capital One Visa Credit Card card after I recommended it to her. I am also an XXXX XXXX and have recommended the card to many of my guests who travel a lot. However, on XX/XX/XXXX I had a very disappointing interaction with Capital One customer representatives over the phone. 
For some reason I missed my XX/XX/XXXX payment of {$1300.00} by a few hours. I think it was because of a software change on the bill payment website at my bank which now requires repeated confirmation of an electronic payment and I may have closed the website too early. I got an e-mail from Capital One on XX/XX/XXXX that I missed my payment. I quickly checked my payment history and found that the payment had not been made. I immediately called Capital One and asked if I could pay it right away and if they could waive all the late charges. I was assured by the operator that the charges were cancelled and that I was clean. 
I did not think anything of it and made my XX/XX/XXXX payment of {$4100.00} without scrutinizing the bill very carefully. When the bill due on XX/XX/XXXX arrived on XX/XX/XXXX I was shocked when I saw that I was charged {$51.00} interest. After all, I had payed all my bills in full and only the payment due on XX/XX/XXXX was a few hours late. Then I went back and reviewed the timing of the events and the bills and realized that I was charged {$64.00} in the bill due on XX/XX/XXXX. 
I was outraged when I realized that only the late fee of {$25.00} had been dropped but not the interest charges of {$100.00} for being a few hours late on a payment of {$1300.00}. I find this unacceptable especially because I immediately took care of the problem as soon as I knew about it. 

In summary I am asking Capital One to credit my account with all the interest charges that were caused by the delayed payment on XXXX XXXX. These charges were listed on the bills due on XX/XX/XXXX ( {$51.00} ) and XX/XX/XXXX ( {$64.00} ). I am also asking you to eliminate any additional charges that may be on future bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a disputed in regard to the items on my credit report. It has been well over 30 days, and I have not received any investigation results.
Product: Mortgage

Well Fargo is my mortgage provider and I am victim of flood happen in XXXX XXXX. As of result, I went to court in XXXX XXXX, XXXX because Wells Fargo was try to foreclosure on my home due they discrepancy of accuse me of payments on home loan. I show the judge in court that my home was damage from flood and it going to cost {$15000.00} in repair. I fault Wells Fargo for the following reason 1. Fraud me and government agency on amount of money I owe. In court Wells Fargo shown document that I owe {$23000.00} and I have document from SC help.gov stated that I owe {$46000.00} in back payments on my mortgage. SC help.gov is state government plan funds programs to help homeowners stay in their home. 
2. Wells Fargo has just as much rights to protect my home as well as the home insurance company does, but refuse to release insurance funds to repair the home. 
3. Wells Fargo has false documents about my loan, because on court documents their name is not the mortgagee provider. XXXX XXXX XXXX is the one on the documents rather than Wells Fargo, which is falsify court documents. 
4. Default on my home mortgage is wrong because of governments ' funds programs which are in place for help homeowner to stay in home is wrong. Wells Fargo has not give me or show the court what I owe and can explain why I could not get approve for modification loan on mortgage. I went through XXXX to get help me with approval for loan modification, but Wells Fargo keep telling me and them that I am not approval. In the same time, take the money put me back into foreclosure statue.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX Amount : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I have not been able to access my account online to pay bills or transfer my money to another institution since last Friday XX/XX/23, over a week ago! I've called customer service on Friday, Saturday, Monday & Wednesday, spent HOURS on the phone with no solution. All they say is they did an upgrade and they are working on it. No actual solution, timeframe, and XXXX communication from Citizens to even acknowledge there is a problem. Customer Service is completely XXXX and woefully untrained to deal with so many arguably justified angry customers. They again have provided no solution to this issue. I called the bank to withdraw my funds as cash since I need to pay my bills and they said I needed to give them a week to order my money??? They should be ashamed of themselves. It's ludicrous and they shouldn't be allowed to XXXX around with other peoples money or their access to it and have no reprecussions for their actions.
Product: Credit reporting 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 right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous dispute letters and called to remove/delete medical accounts that are listed multiple times & that do not belong to me. They are reporting incorrect information they have not provided me with any evidence that the accounts belong to me. 

Original Creditor Amount : {$330.00} ( Listed 3 times ) Original Creditor Amount : {$530.00} Original Creditor Amount : {$63.00} XXXX XXXX : {$460.00} XXXX : {$300.00}
Product: Debt collection

Credit Solutions is reporting a claimed debt of which I had no knowledge. I received no correspondence from them and do not believe the debt is valid The collection agency never contacted me regarding any outstanding debt owed. I had a doctors appointment on XXXX/XXXX/14. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the collection company and was willing to pay the amount they claim is outstanding and then be reimbursed by the insurance company for any over payments but want the collection removed from my credit report.
Product: Debt collection

I have been attempting since XX/XX/2020 to receive any type on proof of ownership a collection in writing from a collection that just popped up on my credit report that i have no knowledge of. My identify has been compromised on a few occasions in the past and it is vitally important for me to receive proof that i am responsible for this debt. I have repeatedly disputed this debt with transunion to no avail of receiving any type of correspondence.
Product: Debt collection

All 3 credit bureau are not helping me I want to dispute my credit XXXX. 
Im asking for the method of verification on my report but none of them help. I ask them to provide the purchase agreement and they dont do anything. The credit reports agency 's wont do anything even when the credit report says account OPEN!
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact TransUnion, XXXX, and XXXX regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While TransUnion and XXXX indicate that the account is in collections, XXXX states that it is 120 days late. Additionally, XXXX reports the last payment as XX/XX/XXXX, whereas XXXX and TransUnion state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling.

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the information.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX I notified Citi Cards of a purchase made at a questionable site. For safety I used a Virtual Credit Card number provided by their web services while logged into my account. The purchase was approximately 30 days prior to this date, I ordered a laptop at a great price and on XX/XX/XXXX I received sunglasses instead of the laptop. 
I contacted Citi, deleted the virtual card and started a charge back as the site was now being clearly flagged as fraudulent XXXX On XX/XX/XXXX I found that my XXXX XXXX could no longer log in to get my three credit card balances from XXXX - I tried signing in and could not sign in, could not recover password. 

I called Citi and was told they are unsure what's going on, even questioned that I had ever signed into the XXXX site as they could not find a login for me - yet I had been using the site for years. 

The next Monday I was called to be told that due to the potential fraudulent site where I used a secure virtual credit card number, they had deleted my login preventing me from accessing any of my three major credit card details. 

At this point I can't see what charges have been used against my card, I can not check the status of the charge back, I can not make or schedule payments. 

I was told that it would take 14 days for them to restore my access - as of this writing I have been unable to access my account for 21 days. 

Multiple contacts with Citi reaffirms their recover of a user account deleted by their action takes 14 days. This is unacceptable - the account is less secure as I can not see the charges, I can not make payments on any of my active three credit cards. 

This brings into question their disaster recovery story - how can it take a business more than two weeks to recover any aspect of an online service? 

Due to my many XXXX begging them to do their jobs and restore my access they have reminded me that I can pick up the phone and make payments to them over the phone. This defeats the use and history of me managing my account for years via the web site. It also would make me have to surrender my checking account number to them over the phone - more great security issues for Citi.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/year>. In response to my dispute Equifax issued a letter that requested the " account names, account numbers and the specific concern with the items that you are disputing. '' The information is immediately below. 

Account Name : XXXX XXXX  Account Number : XXXX XXXX Specific Concern : See XX/XX/year> dispute letter ( attached ) The Account Name and Number can be found on page XXXX of XXXX in the Equifax Disclosure issued on XX/XX/year> with Report Confirmation Number XXXX. I am also attaching this page to this dispute letter.
Product: Checking or savings account

On XX/XX/2021, I received in the mail a debit card registered to my name with account information ( account number and routing number ) from ChimeXXXXXXXX XXXX Bank XXXX I did not open an account with Chime and had never heard of this bank. 

I immediately called XXXX, the number listed on the card to inquire about this account and spoke to " XXXX, '' who started taking notes without asking me the account number or any other information about the letter, rather he insisted that I provide the last four digits of my social security number. 

I provided my email address, my name and offered to provide the account and debit card number but he refused the account information and insisted on knowing the last four digits of my social security number. I insisted that at least take the account number so that he could block the account from any fraud incurring on it, however he said he can not do that. I asked for a manager, and he said that he is the supervisor and that is the highest level a customer can be provided on the phone. He also mentioned that he is stationed overseas and can not transfer me to U.S. support or anyone who can close the account. Rather, he notified me that Chime would contact me via email to respond to my inquiry and did not close the fraudulent account as I had requested.
Product: Checking or savings account

I deposited a third party check from our Mortgage company XXXX XXXX XXXX This check was from release of funds from an insurance claim for property damage. When I deposited the check I showed the teller all the paperwork. They verified with my fianc that he signed the check over to me because of his work hours he is not able to make it into the bank. No one from the bank told me that both my checking and savings account would be placed into a restricted status. I went to the grocery store the following day and my card was declined. I called chase and they said they froze my accounts due to the large amount of the check. The check was placed in my savings account, because I knew I have to pay the contractors for completed work done to our property. Chase said I would need to wait until XX/XX/2022 for the check to clear. On XX/XX/2022 the check cleared and chase received the funds. They then closed my account and have not released the funds. I have called several times, they said they needed to verify the check with XXXX XXXX XXXX and my Mortgage company. I provided them with the mortgage company information and loan number. Even after receiving the funds and verifying the check with the mortgage companies bank and XXXX XXXX XXXX they are refusing to release funds. They have closed all my accounts and will not provide me with any information. This has effected my payroll deposits, car payment, and bills that are on auto pay. They are holing my funds since. XX/XX/2022 I have not been able to pay any of my bills and this is now effecting my credit.
Product: Checking or savings account

As I stated before with bank of America that my account has been tampering and it has nothing to do with me they took all my money out my account but soon they credit it back I never had chance to get my money out and it go right back into a negetive balance which causing my account to close I'm facing a hardship can't even pay none of my bills I work to hard for the bank to take my money I can't even get my XXXX XXXX XXXX or nothing all I want is my money back I don't care about them closing the account just give me my money back I'm two month behind on my rent all because if bank of America somebody need to pay me for my pain and suffering