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

A previous complaint # XXXX had Capital One contact me and attempt to verify my identity in order to have internet access to my account. Upon verification of Social Security number, Date of Birth and three other forms of identity verification, Capital One insists on having to contact me in order to gain access to my online account. 

I believe Capital One is excessive in this process that was initiated by them after months or years of doing my business with their company online. Accessing via mobile app and online to have information to my balances and transactions and making payments. 

The company refuses to allow me access until I am yet verified again. I am requesting that a formal investigation into this discriminatory process be made and Capital One be held accountable in denying their loyal customers reasonable access to our accounts.
Product: Credit card or prepaid card

Santander Bank keeps sending me credit card solicitations. They dont make it easy to find a way to opt out on their website so I have emailed them 5 times over the last 3 months and I keep getting marketing solicitations from them.
Product: Checking or savings account

In XXXX of 2021 Chase bank closed my accounts, there was close to XXXX between both accounts. I have tried calling them multiple times to find out when I will be receiving my money from them, they keep giving me the go around and saying they are doing an investigation on them.
Product: Credit reporting or other personal consumer reports

Someone has used my information and applied for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax continue to report the account as delinquent even though the account is clearly closed. I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 
The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX 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 or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Debt collection

I am writing to you regarding an alleged debt that appears on my credit report. According to the information listed, the original creditor was XXXX XXXX, and the debt has been assigned to your agency for collection. 

I would like to formally request validation of this debt as I have never had any accounts or dealings with XXXX XXXX or any other gym facility. Furthermore, I can assure you that I maintain a 100 % payment history across all three of my credit reports and have never allowed myself to fall into delinquency with any of my bills. 

I have made numerous attempts to contact XXXX XXXX both by mail and in person to resolve this matter, but unfortunately, they have been unresponsive. I am deeply concerned about the accuracy of this debt being reported against me, as it is unjust and damaging to my creditworthiness. 

Additionally, I recently received a photo allegedly associated with this account, and the individual depicted is not me. This further confirms that there has been a mistake or identity theft involved in this matter. 

As someone who has never had a collections account on my credit report before, this situation is distressing and has the potential to severely impact my financial standing and opportunities. I kindly request that you promptly investigate this matter and provide validation of the debt, including any supporting documentation. 

Furthermore, I ask that you take immediate steps to contact the credit reporting agencies and have this erroneous information removed from my credit report. Reporting inaccurate information is not only unfair but also illegal, and I refuse to accept responsibility for a debt that is not mine. 

Thank you for your attention to this matter. I expect a prompt response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, llc # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. has violated my rights 15 u.s.c 1681 602A states I have the right to privacy.

15 u.s.c 1681 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 have made numerous sttempts to these credit agencies starting at the beginning of the year to get this corrected. Per XXXX XXXX, all negative remarks need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite my persistent efforts to report and rectify these unauthorized transactions, the issue persists, causing severe distress and financial hardship. 

I identified unauthorized transactions on my account, indicative of fraudulent activity. Since then, I have diligently contacted your customer service department on multiple occasions, submitted written requests, and provided all necessary documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these concerted efforts, the unauthorized transactions persist, significantly impacting my account. 

Enclosed, please find a detailed timeline of my interactions with your institution, complete with reference numbers and specifics of each attempt made to address this matter. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The ongoing lack of resolution has left me in a precarious financial situation and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urgently request that your institution conducts a thorough investigation into the matter, removes the fraudulent items from my account, and implements measures to prevent any further unauthorized activity. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am a XXXX on XXXX XXXX orders since XX/XX/2019, and I fall under XXXX and I called USAA about reducing my interest rate to 6 % and was that effective XX/XX/2019 that they do not do that anymore and that was just a program offered by USAA. I told them that was a law and they said they do not follow it.
Product: Credit reporting or other personal consumer reports

In 2020 I had identity theft. Provided the credit bureaus with my FTC report and police report. They never removed the items. I have hard inquiries, late payments, charge-offs, and names that are not mine on my report and it's only getting worse. It's been 5 years now and they STILL have not done anything even after recently filing disputes. Additionally, the credit bureaus have not removed anything from my report that has expired and should have dropped off 2 years ago. My updated FTC report has both the claim from 2020 included along with the new claim. 

I have contacted the following : XXXX - who filed disputes on my behalf FTC - I provided the bureaus with both identity theft reports, along with my id and proof of residency
Product: Checking or savings account

I am the spouse of a XXXX percent XXXX veteran and a victim of theft by XXXX XXXX transfer. On XX/XX/2022, I responded to an email message stating my XXXX XXXX subscription had been renewed and call this number to cancel the subscription and get a refund. When I called the number I was given a website to access and process my refund. When I accessed the website it allowed the person on the phone ( who said his name was XXXX ) to hack into my computer. I was told to put in the amount of the refund ( {$130.00} ) and then check my bank account to see if the money was there. When I logged into my bank account there was a balance of {$130000.00} in my checking account. XXXX said there was a glitch in the system and I needed to go to my bank ( Navy Federal ) to return has company 's money. My computer screen turned blue with a message stating " updates were being performed and do not turn your computer off ''. XXXX said that he was running a security scan to find out how the system mistakenly deposited {$130000.00} into my account and provided an account number and bank to transfer the money to : Country Name : XXXX XXXX Bank Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX Holders Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  phone number is XXXX I left my home and went to Navy Federal to send the money back and while I was gone he transferred {>= $1,000,000} from my savings account to my checking account and when the wire transfer was sent, I had sent my money to XXXX XXXX  in XXXX XXXX. When I discovered money missing from my savings account later that evening, I contacted Navy Federal and spoke to someone in their fraud department and we file a complaint and they contacted the bank in XXXX XXXX and requested that the wire be reversed and the money returned. I have continued to call Navy Federal for a status update on my complaint and am being told that they are working on it and will let me know if they need anything else from me. I still have not received my money back or have not been give a clear answer as to whether of not the bank will refund my money. Since my money should have been insured by the bank, although they had me sign a waiver of liability before sending the wire, I think they should refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I checked my credit report and I can still see the fraudulent account that I was requesting to get deleted and blocked. This account is damaging my credit and it's affecting my credit worthiness.
Product: Debt collection

First message was left on my mother 's phone. When she returned call they provided her information about debt. Next I was called by a private number posing as a process server and said could not disclose nature of information needed to contact collector. At XXXX to gain any further information informatipnusing ref # XXXX. This phone number belonged to lionstone holding who sent me a letter via email. This debt was said to be {$490.00} from XXXX XXXX XXXX. I believe the debt collector falsely posed as a process server
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian ) consumer report, and I noticed some late payments posted on my consumer report : 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  Experian is reporting these Accounts inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my account as late on my credit report. I never gave this agency written consent to disclose to any bureaus about my payments according to the FCRA USC 15 1681b and 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please have this inaccurate information removed and update my payment status to current with all bureaus. thank you for your prompt response and updating inaccuracies.
Product: Vehicle loan or lease

I have a fraud alert active with an old phone number, I'm having problems getting a car loan because I have a new phone number. I'm having problems confirming identity, I want the alert removed or the phone number updated. My old number was XXXX which is no longer my number, My new number is XXXX Experian makes it so hard for me to get my credit back in good standing. Thank you
Product: Checking or savings account

My Debit card was stolen and my personal information was compromised. someone took my credit card on XX/XX/2018. They made 3 charges in the amounts of {$190.00}, {$470.00}, and {$460.00}. at a XXXX XXXX store more than 30 miles from my home. Chase helped me and credited me the account loss. Then I checked my bank account on XX/XX/2018, and noticed chase reversed all those charges back and took all of the money and put my account negative. I called Chase, and they state someone had my pin #. So therefore its not chases problem anymore. the lady was rude and inconsiderate. Chase made it very clear that someone who stole my card number and Pin were not their problem anymore. even though they credited me the amounts over a month ago, Chase 's fraud department ruled it not fraud, and expected me to eat the {$1200.00} dollars
Product: Checking or savings account

Chase decided to close my account with a remaining balance of XXXX dollars. They have restricted the account and refused to honor payments from the account for which funds are available. Initially I was told that the check would be mailed to me within XXXX to XXXX days. After a week, they are now informing me that it could be up to 45 days, followed by a XXXX to XXXX day waiting period before mailing it. When I asked to speak to a supervisor they told me I could go to a local branch and have a branch XXXX lift the restriction. When I attempted to do so on XX/XX/16, they informed me that there was nothing they could do and it would be a minimum of 15 days.
Product: Credit reporting or other personal consumer reports

I have been distressed with misleading, inaccurate, and incomplete information on my credit report. This has been hurting me financially for years. This is a violation of FCRA and the credit reporting agencies must delete the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Account type Credit Card This account is paid in full and resolved with credit grantor as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.The account is reporting late and charge-off despite being closed and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING AN ACCOUNT FROM XXXX  XXXX XXXX ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and i see alot of inquiry on my report i have no knowlege of at all i am a victim of idenity theft and it is noted on my credit credit and they are suppose to call before running my credit to make sure it is me and that has not happened Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Equifax is ignoring my requests to investigate, verify and remove XXXX accounts from my credit report that do not belong to me.