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

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX XXXX does not belong to me.
Product: Credit card

I tried to pay my Capital One XXXX XXXX credit card on XX/XX/24 and Capital One refused my routing number and account number from a savings account. 

At least three representatives over the phone could not tell me why my account could not be used for payment, including a manager named XXXX ( Employee : XXXX ). I finally reached another supervisor XXXX ( Employee : XXXX ) -- who explained that because a payment last month had been returned, I would need a letter proving my XXXX  money market account had been brought out of dormant status. ( I tried to make the XXXX payment unaware of that status ; it has since been reactivated ). 

XXXX answered my question within moments and now I know the next steps to take. XXXX was unhelpful to the point of being patronizing. He claimed it was impossible to determine why the system was rejecting my account. He was also cagey about the complaint process for Capital One and said that I would need to send a letter to Capital One in XXXX XXXX XXXX. He said I would probably never hear back from Capital One about my complaint. I was just getting ready to file a complaint with the XXXX  when they let me know about XXXX. XXXX either lied about the complaint process or didn't know about it ( he did take my complaint over the phone ). 

Through this discouraging process, I learned Capital One reviews complaints internally and customers do not get replies. That is poor business practice to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy. 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. The account is XXXX XXXX XXXX
Product: Consumer Loan

I have a loan with XXXX. They charged the account off in 2014 but kept collecting regular payments from me. I was never notified of the charged off status. I still have the vehicle. I am making my monthly payment on time but the day after my payment I get a call for another payment. I can not get XXXX to tell me how these payments are being applied or even if they are being applied. 
When I call their office nobody can unlock my account on the system to tell me the status. I have had my agent contact them ( with a power of attorney ) and for the last two weeks they say " the account can only be opened in legal and we can not give you their extension or transfer you. We can only give them your number and have them call you back. '' They have not called me nor my agent back. 
Since the account has been charged off, their system obviously took it out of the normal billing status so it does not show payments applied. I believe they are simply trying to get as many payments out of me as they can in a month 's time without advising me of their application. I have paid {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for XX/XX/XXXX and {$220.00} on XX/XX/XXXX for XX/XX/XXXX. I just mailed {$220.00} 0n XX/XX/XXXX for July. 
I have attached a copy of the page on my credit report showing where they charged the balance off in 2014. I have a right to speak to someone who can give me a detailed analysis of how my payments were applied and when.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT WESTLAKE FINANCIAL XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? XXXX  % utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX XXXX balance on card is not updated,? below XXXX XXXX utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX at XXXX has been paid in XXXX! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at XXXX XXXX reporting agencies Trans Union XXXX XXXX
Product: Debt collection

On XX/XX/2020 someone fraudulently opened a account in my name with XXXX XXXX. I was told its a cable bill. Im on XXXX and live with family so I wouldnt have opened a cable account myself. I contacted the collections company to attempt to have it removed IC systems on XX/XX/XXXX and again on XX/XX/XXXX. The collection company IC Systems states that this bill belongs to me and they are going to sue me to collect a debt in the amount of {$250.00} with XXXX XXXX. This is not my account. I never opened the account. It was fraudulently opened by someone other than myself and I would like it removed from the credit bureaus immediately.
Product: Student loan

I went to XXXX XXXX Va from XX/XX/XXXX to XX/XX/XXXX..I 'm XXXX and I have {$60000.00} in student loan debt from XXXX XXXX XXXX XXXX {$30000.00} from federal loan and the rest from a private lender. My student loan payments are about {$520.00} a month just from the private lender Peaks loan. XXXX XXXX sold it to them and i got stuck with them. I make XXXX payments to the same private lender every month and they wo n't consolidate it because they said it has different interest rates.They would n't even tell me who owns the loans. that 's when i sense fraud.When i was reading about XXXX tech getting sued in the comments sections everyone was just about in the same situation I 'm in.I want to file or join a class action lawsuit against them. I am incapable of feeling relaxed when I think of my finances.I do not foresee my future children 's lives improving beyond my own as I will be incapable of providing to them the things I had as a child due to my debts.
Product: Mortgage

I was Refinancing My Home and the Lender TOWNSTONE Financial , Inc. Forced me to obtain a Appraisal of My Property after I all ready had a recent Appraisal done on the My Property. I had let them know that I was doing some inside remodeling on the Property.

They took a long time to make a decision and waited forcing me to pay a Higher Interest Rate. They came back after the second appraisal was done and stated they were not going to approve my Refinancing on my Property. They stated that My Property was Inadequate Collateral. The Appraisal came back at {$120000.00} Dollars. I only owed a Mortgage of {$45000.00}. They further used a Credit Agency Report from XXXX to deny my application for a Mortgage. My Credit Rating is XXXX Excellent Rating. I feel that as a Senior Citizen I was Discriminated Against and subsequently Denied Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX   XXXX - BUREAU ACCOUNT DESIGNATOR DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE Equifax Individual XX/XX/XXXX - - - XX/XX/XXXX PAYS AS AGREED - COMMENTS ACCOUNT CLOSED BY CREDIT GRANTOR, BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY About is listed in my Derogatory Information on Credit report. Not sure why this listed. Paid the account. Needs to come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian about their Experian Boost service that is not working and is also not updating credit scores with the bills from my account that are paid on time to boost my score. XXXX XXXX XXXX XXXX internet, cell, power bill, video streaming service and XXXX are not being properly accounted for ... but the water and gas bills are. When questioned about why this was happening and what was taking so long to repair the issue the supervisor told me, " the XXXX  department here at Experian refuses to fix the issue and there's nothing that I can do for you ''. I asked if there was someone in the XXXX department that I could speak with he stated that the do not talk to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureaus reporting is XXXX, TransUnion, and XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an error on my report for months. I have disputed it but it is still remains, without proper proof.
Product: Credit card or prepaid card

Received card which we never applied for - no phone numbers on the credit card to attached paperwork. Attempted to call Square and phone system is temporarily not available ( for the last 7 business days ) Emails sent every day with no response.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit card

Our Costco card was transferred from XXXX to Citibank, all communication to us was that it should be 'seamless '. The card went active on XXXX and the first time I signed in to set up the account was XXXX ... only to find out that our due date for our first bill had already passed, no notification ... nothing! They transferred my account transactions, but my autopay that I had set up was not transferred. I immediately paid the full balance ( before the next statement came out ) and when I received my statement there was an interest charge of {$12.00}. I called their customer service and asked for it to be removed, but they stated that it could not be done. I asked how I could ensure that no further interest charges could happen, and they tried to double talk me about average daily balance, etc. They obviously did not want to provide me clarity as to simply ensure that I will not get any more interest changes. I went online to pay any remaining charges off ( and then some to ensure that I would not get hit with interest on any pending charges ) and their system would only let me pay what for what was posted. So based on the reps description, I need to sign in every day now to pay the posted balance so there is no average daily balance ... and stop using the card until it is at {$0.00}. This is insanity. Either my autopay that was set up with XXXX should have worked, or Citi should have transferred that information over. Costco chose to change companies that it worked with ( to seemingly a horrible company in Citi if their customer service is any indication ), and it ended up negatively impacting me as a customer. An unbelievable unfair practice ... I pay attention to my finances, I 'm sure that there are many others who are more laissez-faire who are getting negatively impacted without notice.
Product: Credit reporting or other personal consumer reports

ALLIANT CREDIT UNION Account type - Auto Date opened XXXX XXXX XXXX XXXX Address ALLIANT CREDIT UNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Above Account created under ALLIANT CREDIT UNION without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Purchased solar system in XXXX, received instant approval to pay over time - lein was placed against our home and was not disclosed to us. The system never worked properly and we made payments on it for over a year. XXXX XXXX never came out to correct issues and it has taken us over a year to get the system up and running as of XX/XX/XXXX. 

We are trying to get a firm confirmation to pay off in the amount of {$35000.00} which was the first Target payoff instead of the full interest and loan amount over time of {$47000.00}. We can not reach anyone, nor will anyone call us back about settling the account.
Product: Credit reporting

Someone used my SS # to open a account with XXXX XX/XX/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. 

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

I'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft and the account doesnt belongs to me.
Product: Checking or savings account

I have a checking account at PNC Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX I am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and can not be left alone. I went to the supermarket to buy food with my debit card ( over {$250.00} in my checking account ) and my card was denied. I immediately called the bank from the supermarket to find that not only did they disable my Debit Card but they said that as of XX/XX/XXXX my account was scheduled to be closed. When I stressed surprise, they said a letter had been mailed to my home address, upon which time I reminded them that I had been in XXXX taking care of my son. I have {$2.00} in my pocket, rely on my debit card to make purchases, and on XX/XX/XXXX my Social Security check will be automatically deposited into this same checking account. I have no gas, no money for food and can not even return to XXXX without funding. My son just opened a new business, is ineligible for unemployment or sick pay. His wife works but her salary doesn't even cover their mortgage. I tried to XXXX funds from my account to my daughter-in-law ( wife of my son who is injured ) and they blocked that too! There isn't a PNC location within 70 miles of where my son lives on XXXX XXXX XXXX XXXX My question is this : If they account is not being closed until XX/XX/XXXX and there's no PNC Bank with a location less than 70 miles away ( I can not leave my son alone for a round trip of that distance ), how am I supposed to eat, get gas for my car and return home to NC if they are holding my money hostage? This is cruel and unjust and something needs to be done! I am helping feed my son and his family while I'm here because he has no salary coming in. I am XXXX XXXX XXXX and XXXX and this is harassment! Why are they blocking access to funds that are rightfully mine? PLEASE HELP ME. I CAN NOT WAIT 2 WEEKS FOR ASSISTANCE! My son has XXXX XXXX XXXX this week and I only have 1/4 tank of gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from US Bank and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my XXXX account and I filled a report on XXXX.
Product: Checking or savings account

I am not sure this is fraud or a systems glitch but it is unsettling. I have opened two accounts at two separate locations in different states with the Bank of the West. Each time the bank has opened the accounts and then a second account unknown to me. Once in XXXX for checking and now recently in XXXX, Ca. I opened a money market account with my wife. Next thing we know there are two accounts, and the bank can not explain it. Then this time they close the original account in which we put the money and for which we have all the documentation and then they inexplicably move my money to this second shadow account. Why? No one at bank can explain. Going into branch today to discuss. Is it a systems glitch? Is it institutionally intentional? Is it intentional by someone in the organization but unknown to the official powers and systems? This is very disconcerting.