23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sometime in XXXX of 2015 I was approved for a Capital One Secured credit card requiring a deposit due within 80 days ( XXXX/XXXX/2015 ). I contacted Capital One on XXXX and processed the payment for the deposit ( {$200.00} ) and was advised it would take approximately 2-3 weeks to received my card. After a couple of business days, I realized the funds had n't been deducted from my account and I proactively reach out to Capital One on XXXX to understand the delay. I was advised the payment was n't processed due to some error. I was asked if I wanted to reprocess the payment but I wanted to be sure it would still be considered on-time as it was past the 80 day timeframe. The representative assured me it would be and so I authorized the payment from a different checking account. The funds were deducted from my account on the XXXX. On XXXX, I called to ensure funds had been received and that my application is being processed. To my surprise I was told as payment was received on the XXXX, beyond the 80 day timeframe, my funds were going to be refunded to me and it would take 10 business days. I requested to speak to a supervisor, who reviewed the account and acknowledge the company error and provided me with XXXX options, 1. submit a new application ( another credit inquiry impacting my credit ) and hopefully funds would be applied towards that application or wait until approximately the XXXX to be refunded. Both unsatisfactory options. I explain again that it was company error to no resolution.
Product: Checking or savings account

I have a checking account with JP Morgan Chase Bank. I had a safe deposit box at the Chase bank at XXXX XXXX XXXX, XXXX  XXXX, XXXX. I went in person to the branch and closed the box on XXXX. I was missing one of the keys, and was told the box would have to be re keyed if I could not find the key. 
When I returned home to XXXX, I found the missing key. I had not been billed for the locksmith  yet. I called the Service Center at XXXX to get a number for the XXXX XXXX branch. I called that number, XXXX, and asked if I could still send in the key and was given the address to send it to. I confirmed at this time that the box was closed. I mailed the key via certified mail for which I have a receipt dated XXXX. 
When I opened my statements after being away for part of the winter, I saw that I had been charged for another year 's rental fee for the box ( XXXX ) as well as a {$12.00} service fee for being below the minimum balance for a free account. I called the branch to have that corrected but a recording said that all representatives were busy, and to call back. I called back several times that day and the next, hearing only the same message each time. 
I called back the following week several times. I called at various times and days of the week thinking that surely someone would respond. Over the next several months I tried the number multiple times. I called the XXXX again and was told that for safe deposit box issues I would have to contact the branch, or go in person. Even the service center representative called the branch for me and could not get a person to answer. I live in XXXX  and can not go in person. I have continued to call at random intervals over the last year, and have never reached anyone, only the same recording. 
I have been unable to correct the original error, the improper charge for the box rent of {$95.00} and the resulting service fee of {$12.00} per month. I want to close the account completely, but fear that I will never get back the money that has been improperly debited from my account. The fees are still being debited, going on for 13 months now. So far Chase owes me {$250.00}. 
Today, XXXX I again spoke to the service center at the 800 number. I asked for a supervisor, who called the branch and got the same recording. She gave me two other  numbers. I asked her to call them for me and she hung up on me. I do not know how to resolve this please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan.

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised.

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions.

Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future.

I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.
Product: Credit reporting or other personal consumer reports

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  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis failed to conduct a proper investigation for XXXX Acct # XXXX listed on my report. This account was reporting inaccurate information to XXXX and was deleted immediately because it could not be verified or match my information and the data furnisher could not produce the information. Yet, Innovis is still reporting this account and it shows completely different information which is inaccurate. It also appears that the date for removal has been extended again. Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Product: Credit card or prepaid card

On XX/XX/23, I made a purchase for {$180.00} from PayPal XXXX which posted on XX/XX/23. I returned the item on XX/XX/23 and issued a refund of {$180.00} on XX/XX/23 by PayPal XXXX. Instead of giving a refund this wonderful company charged my card again. Now I am out a total of {$360.00} which this company has fraudulently taken from me. I called immediately and spoke with overseas agent you first could not understand who said that nothing they could do. I am now escalating to governmental agency to get my money back as this is FRAUD
Product: Credit reporting or other personal consumer reports

Im in the process of a mortgage loan and every time my lender tries to run my credit this appears.

APPLICANT FILE UNAVAILABLE ; APPLICANT INFORMATION FROM THEINQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT ORMISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FORDELIVERY. Please have the consumer contact Equifax Consumer Relations XXXX or contact XXXXXXXX XXXX XXXX at XXXX I contacted them to fix the issue multiple times starting XX/XX/XXXX, I sent them photos of my social and State Driver License. Which they stated they needed and still have not fixed anything. If this issue is not fixed by the XXXX I will lose my mortgage approval. 

I have verified my information multiple times with them and they still dont do anything. Ive had them keep me on hold for XXXX minutes then they hang up on me. I asked them if there was any freezes on my account and they say no. 

I really need this issue fixed if not I will pursue legal action. Because I sent them personal documents with private information and they have not done anything with them or miss placed them, which is unprofessional and irresponsable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name- XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies and unauthorized inquiries on my credit report from multiple credit bureaus, which I believe violate the Fair Credit Reporting Act ( FCRA ). These include : Inaccurate Personal Information : Employment details, such as " XXXX XXXX '' and " XXXX XXXX, '' have been listed on my credit file without my authorization. I have no association with these employers. Additionally, my credit file contains outdated or irrelevant personal identifiers that need to be corrected. 

Unauthorized Inquiries : My credit report contains hard inquiries that I did not authorize, including those from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX among others. These inquiries are negatively impacting my credit score.

Disputed Accounts : Several accounts listed on my credit report are inaccurate or unverifiable, including a XXXX XXXX collection account ( associated with XXXX XXXX ), a XXXX XXXX XXXX account, and a XXXX auto loan that was charged off. Despite my attempts to address these discrepancies directly with the credit bureaus, they remain unresolved. 

I have taken steps to dispute these inaccuracies by contacting the credit bureaus, sending formal dispute letters with supporting documentation, and requesting an investigation. However, these entities have either failed to respond appropriately or continued to report inaccurate information, which is a violation of FCRA Section 611 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I paid off {$160000.00} from my Citi credit card so that I could qualify for a mortgage. Citi last reported my balance on XXXX so I expected this to be updated and my credit score reflect this large payoff by XXXX. 

I contacted Citi XXXX, they stated it should have updated within 7-10 days which was their normal timeframe. This rep could not tell us why a payoff 3 weeks earlier did not reflect after that much time and hung up on us. I called back and was told its actually going to update when our biling cycle closed out XXXX at midnight so to wait until the next morning. No change the next day, called a third time and spoke to several members of management. Citi now states that they take a full 30 days from my statement date to report new balances to the credit bureaus, so they are single handedly preventing me from getting a mortgage because they will not report my new balance until XXXX. Not to mention the first 2 reps lied to us. All other cards I paid off such as XXXX XXXX, cXXXX, home depot reported payoffs within 1-2 weeks of XXXX. 

Why is Citi allowed to take my money immediately but it takes up to 59 days for them to correct their information with the credit bureaus and allow me to move forward with getting a place to live? They should have to pay for every day I have to stay in a motel or in my car. 

I was told they sent a dispute report today but they gave a turnaround of another 8 days. I am just hoping that by reaching out to a regulatory agency that you can help me avoid being XXXX and possibly have Citi adjust their policy of taking so much longer than all other card companies I've worked with to do the right thing. 

Best, XXXX XXXX
Product: Student loan

I recieved a call from a private number, saying they were with Navient. Saying they were trying to collect on a student loan i have. I have never gotten a student loan - EVER. When I refused to give them my info - they gave me a fraud number, but no one answered at that number. I want to make sure no one has used my info and I dont have a student loan. How do I verify this and not give my info to just anyone. thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, 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 XX/XX/2021 ; XXXX XX/XX/2021.
Product: Debt collection

I was not notified of this debit - It just appeared on my credit report. 
Secondly, after further research this medical debit was not handled properly. The Bill is for XXXX I received in a XXXX XXXX, XXXX  procedure. The original Creditor XXXX XXXX XXXX XXXX failed to contact me in regards to my debit. They also failed to file a claim with my medical insurance carrier -XXXX XXXX XXXX XXXX properly XXXX I have contact my Medical Insurance Carrier XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they informed me that the claim was not submitted correctly. I contacted Medical Business Burea and XXXX XXXX and with all my phone calls they are still unwilling to resubmit the claim through the correct agency. I dont think it was fair that both parties did not properly due there due diligence before just adding this to my credit report. Which has cost my XXXX points. 

My insurance info : ID # XXXX Group # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The claim can be submitted by called XXXX using # XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I have moved money ($XXXX) from my cash app account to my linked bank account. Since I used cash app's instant deposit I paid the fee ($XXXX) so I only received XXXX, which was fine. Two weeks later on XX/XX/2019 XXXX was removed from my linked bank account by cash app without my knowledge or authorization. XXXX of my money was now missing. It was taken out of my linked bank account and was not returned or found in my cash app account. I got in touch with cash app support to report the issue in hopes to get my money back. I have been transferred to numerous amounts of people who did not understand this issue and kept telling me that the money was successfully put into my account on XXXX XXXX disregarding the problem that the money was taken out of my account two weeks later and I no longer have my money. When I emailed cash app support that understood my situation, instead of helping me they kept telling me to go to my bank. They told me that I had to dispute the transaction with my bank. I kept going to my bank and they told me they could not help me because cash app removed the money. Finally, my bank disputed the transaction in hopes cash app would help me. The bank followed through with the investigation and confirmed that cash app has rejected the payment of XXXX on XXXX XXXX and reversed the payment on XXXX XXXX. However, I never got my money back in cash app. When I informed a cash app support member of the situation they asked for screenshots and continued to tell me that the money was put into my account on XXXX XXXX disregarding once again the real issue. When I spoke to someone else they informed me that cash app has no record of this amount being taken out of my account on XXXX XXXX and they continue to tell me to speak to my bank. If my bank was able to figure out that cash app rejected and returned my money, then cash app has that information too and is unwilling to give me my money back. This has been going on for the past three months. I have attached the string of emails from cash app and myself, I also provided the information from my bank, and the screenshot from my statement showing on XXXX XXXX cash app took XXXX   out of my account. Please review all of the attachments.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>. After multiple communications with the dealership, I was advised to return the vehicle to the dealership per the General Manager XXXX XXXX XXXX XXXX  XXXX XX/XX/year>. XXXX XXXX sent me an email stating that they would cancelling the sales contract on XX/XX/year>. However, the sales contract has not been cancelled and they have continued to report this account as derogatory to XXXX, XXXX XXXX Transunion, from XXXX than 90 days late to currently reporting as a charge off account. This account has been devastating to my credit rating.
Product: Debt collection

Trident Asset Management has bought an old account and re-aged it. They are now trying to collect on this time-barred account. They continue to harass me, yet refuse to send validation of the original date of this debt from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On two occasions in the month of XXXX and Currently XXXX, Experian is reporting 30 day late payments for XXXX XXXX Bank on my credit when my payment due XX/XX/XXXX was made XX/XX/XXXX and again when my XXXX payment is now reporting 30 days late when it only became due on XX/XX/XXXX and I paid XXXX XXXX XXXX, Experian refuses to answer my calls and. resolve the issue. Experian has reported in correct information several times to my credit report causing my score to drop more than XXXX points more than one time.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

First I want to say I am not disputing anything at this time. My Experian says I have 9 accounts that say I am 60-90 past due. but I can't find this on my credit report and I have written them I have filed complaints and nothing. ALL I WANT IS TO HAVE A LIST OF WHO IS SAYING THAT I HAVEN'T PAYED AS AGREED. This is very simple to do. Tell me who is saying I have late payments. I have been trying to get this for over a year. Please send me who is saying I have late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.