23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My complaint is against Capital One Bank My Social security number used XXXX to open XXXX accounts # XXXX open date XXXX XXXX Fraud balance reported on credit bureaus XXXX I did not open or apply for a XXXX credit card issued by capital one bank. 

There was a second capital one credit card ending in XXXX XXXX XXXX # XXXX fraud balance showing on credit reports XXXX open date XX/XX/XXXX I did not apply or opened this account. 

This account was sent to a collection agency and requesting capital one to contact the collection agency to return fraud debt back to capital one due to fraud. 

Both accounts were already closed due to fraud concerns from me disputing both accounts from credit agencies ; however both accounts were never removed and deleted from each credit agency. 


Both accounts stated above using my social security number, I never opened or applied for any credit cards issued by capital one bank as checking my credit reports I have discovered bothf accounts ending in # XXXX And ending in # XXXX All accounts listed in my social were opened as fraud I never applied for any accounts and requesting this bank to delete and remove me from all responsibility and to contact collection agency on all accounts to return each account back to capital one due to fraud/opened I am requesting that each account is removed from all credit reporting agencies including XXXX report no later than XXXX XXXX to prevent legal action to sue civil suit monetary damages to Exceed more than XXXX in a civil court if both these account opened in my social security number aren't deleted from each credit agency by no later than XX/XX/XXXX to prevent a legal unnecessary monetary expense I am asking capital one bank to do the right thing. I am also requesting each credit inquiry pulled from XXXX  to be deleted from my report as well. 

My credit is very important to me and will exercise to the full extent of my legal resources to sue everyone involved for credit bureau damages and pain n- suffering and for FCRA Violations.
Product: Credit card

Chase put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly I badly need help to get it removed from all my credit reports and stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent collection account that has been wrongly reported on my Experian, XXXX, and XXXX credit reports by XXXX  XXXX XXXX. I am deeply concerned about the impact this false information may have on my credit history, financial stability, and overall well-being. 

In XX/XX/2XXXX  I discovered that there was a collection account on my credit reports from XXXX  XXXX XXXX, which I had no knowledge of. I contacted XXXX XXXX  XXXX immediately, and they informed me that the account was opened in my name in XXXXXXXX XXXX 

I was taken aback by this information since I have never had any financial dealings with XXXX XXXX XXXX. I explained this to their representative, but they were unhelpful and insisted that I was responsible for the debt. They also refused to provide me with any supporting documentation. 

Since then, I have been trying to clear my name and remove this fraudulent account from my credit reports. I have filed disputes with all three credit bureaus, but they have all come back stating that the account is valid. This has been an extremely stressful and frustrating experience, and I am at a loss as to what to do next. 

I am confident that I am not responsible for this debt, and I believe that XXXX XXXX XXXXXXXX has made an error in reporting it on my credit reports. I have always been responsible with my finances, and I take great pride in maintaining a good credit score. This fraudulent account has negatively impacted my credit score, and I am afraid that it will continue to do so if it is not removed. 

I am appealing to the CFPB to intervene in this matter and help me clear my name. I respectfully request that you investigate this matter thoroughly and order XXXX XXXX XXXXXXXX to remove this fraudulent account from my credit reports. I am happy to provide any additional information or documentation to support my claim. 

Thank you for your time and attention to this matter. 

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

I tried disputing by mail and online, they have yet to inestigate
Product: Credit card or prepaid card

Some been applying for credit cards using my information and some applied for a car using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally contacted all three credit bureaus ( XXXX, XXXX  AND EXPERIAN ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only Experian  has deleted inquireries and inaccuate account information from my file. While XXXX and XXXX insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Apparently, someone was able to open an account on paypal. They were able to load my account information and with the account being unverified they were able to take money out of the account. I find it criminal that paypal 1 ) allows an account to be unverified and take money out and 2 ) doesn't cross reference the fact that the bank account is connected to another bank. This clearly encourages people to commit fraud because of how easy it is. You simply need a check to complete the process. Finally, paypal makes you deal with the bank in order to get reimbursed and offers to help. This system is setup for abuse.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2021 with Wells Fargo, I was told there was only a {$35.00} fee to wire transfer money to XXXX and those were the only fees I would incur. Well I came to find out, it cost me about {$700.00} more to wire transfer the amount of money as Wells Fargo had what I consider XXXXhidden fees '. A the time they said the exchange rate I was bring charged was the 'going rate '. After I made a complaint, they did respond stating they had a different rate to cover risks, cover costs they incur, etc. In all of the paperwork they gave me at the end, it might have been in the fine print but what they tell you verbally is completely different. I complained that these are hidden fees and they are basically lying. 

Today, I called a local branch and asked about exchanging US dollars to Euros for my trip with Wells Fargo and was told that a local branch could handle and there was no fee at all. Not even the {$35.00} fee. Just the current foreign exchange rate. Once again, this cost me an extra {$260.00} to exchange the money due to their exchange rate being so much higher. On their marketing document at the bank in very small print it states 'The exchange rate applied to a transaction includes a mark-up, which is an amount over and above the costs of funds to Wells Fargo and it is designed to compensate Wells Fargo for several considerations, including without limitation, risks taken, costs incurred, services rendered, as well as a return for the Wells Fargo on the transaction. ' Nothing I signed stated that I acknowledge this 'mark-up '. This is merely on the marketing brochure in the branch. Nothing on the receipt I received states this information. 

I just feel this is a deceptive practice being run by Wells Fargo and that their employees need to advise all customers making a foreign exchange transaction that there is a 'mark-up ' fee and be very clear on the disclosure, with customer signature, of what fees they are paying above and beyond. 

Why is the CFPB allowing this type of deceptive practices to happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX made a fraudulent inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently ( XX/XX/XXXX ) I received an email message from XXXX XXXX ( a credit profiling website ) notifying me of the fact that a 'hard inquiry ' from Sallie Mae Bank would be falling off of my report, possibly elevating my credit score. I have not conducted any business of any kind involving Sallie Mae Bank, period. Consequently, I proceeded to the website to investigate the erroneous statement further, and to my dismay, determined the message to be affirmative. My report depicts as follows : Sallie Mae Bank XXXX XXXX XXXX XXXX, DE XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XXXX. I noticed that Equifax had put XXXX dollar amount from XXXX XXXX without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a student loan incorrectly on Experian that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC
Product: Student loan

For 2 years I was on the income based driven plan with navient, paying about XXXX a month. When I first started paying back my loans, they did not take into consideration my other private student loans ( approx XXXX dollars in other loans ). I called about 6 months ago to ask them about a question on my account, the representative told me to " consolidate my loans '' that I had with navient because I had a few loans with them. They completely failed to inform me that I would loose my 2 years that I already completed, towards the 10 I was working towards to get my loans forgiven because I work for a non profit. My initial question in the first place was what paper work do I need for getting my loans forgiven due to my non profit status. If the consumer is not under the income based repayment plan, you do n't qualify to get loans forgiven. I have since had to start completely over after finding this information out and change back over to the income based plan. I lost 2 years, approx. XXXX because of the advice this navient representative gave me. And they wo n't reconsider, even though I went back on an income based plan within 2-3 months after finding out after calling them about another question I had. I am a XXXX, I am drowning in student debt, and it 's insane that this company wo n't help me.
Product: Credit reporting or other personal consumer reports

This is to let you know that these accounts below have long been removed and deleted from the XXXX Credit Bureau. This has been reported and verified as an inaccurate and incorrect item, so please remove these immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX. dispute report number ; XXXX for XXXX XXXX XXXX XXXX dispute report number : XXXX for XXXX XXXX XXXX I've submitted dispute with EXPERIAN and asked them to remove these errors but they havent removed anything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 date I former boyfriend XXXX XXXX and I purchased a vehicle through Ally financial. As our relationship separated I took my XXXX  to court for XXXX matters. While we were in court, I asked the judge to force XXXX to remove my name from the loan as XXXX has been deliberately making late payments in an effort to destroy my credit, and the judge granted a court order XXXX attached ) for XXXX XXXX to keep possession of the vehicle and remove my name from the loan, title and registration. 
XXXX XXXX has violated a court order and continues to destroy my credit through making late payments, which is another violation of his court order considered indirect harassment. 
Ally financial has ignored my requests on several temps to rectify this situation and continues to report XXXX XXXX derogatory late payments on my credit report, even though a court order is in place. I have written letters explaining the situation and they go ignored and the only number I can contact Ally Financial through is the collections department and nothing is getting achieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing this still on my credit report- XXXX XXXXXXXX XXXX XXXX They agreed to delete it from my credit report. 

Equifax agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.
Product: Checking or savings account

Wells Fargo continues to allow debit card transactions to be processed even though my account is in the negative and I keep my debit card locked when there's no funds in the account. Furthermore, the manner in which they post transactions is too confusing for consumers to understand which transactions have already been covered by my deposits and which ones are still pending to be charged a fee given their Confusing " extra day grace period ". I have a multitude of recurring bills and I work two jobs and I am unable to keep track of all the recurring payments but I should be able to trust the bank not be predatory. If my account is already negative and my card is locked, why do they continue to allow debit card transactions to go through? Just so they can rack up on {$35.00} fees. They charged me 5 {$35.00} overdraft fees in the last 7 days. It would have been more if I had not disputed some of the transactions. I shouldn't have to be monitoring my account this closely given my account was negative and card was locked!
Product: Credit card or prepaid card

Our business has a credit card with US Bank. We 'd previously always paid the card directly through bank account we also had with US Bank. After closing the accounts, we paid with a check. The payment on our card was due on XX/XX/XXXX and our bank indicates the check was cashed on XX/XX/XXXX. However, US Bank has not credited the charge to our account and is charging us a {$39.00} late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks say my card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, and XX/XX/2015 each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED ACCOUNTS : Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

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

LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX MORTGAGE SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.
Product: Checking or savings account

I get direct deposit every month from social security on the XXXX of month and if that falls on weekend or holiday then it is supposed to deposit the Friday before that which should have been today. This is second time in couple months chime has done this now my payments for car insurance will not go thru and policy cancelled also my phone and I have a XXXX XXXX and supposed to have phone to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus I'm XXXX and have limited income and this will cost me reinstate fees plus higher rates and will make my credit for online payments of bill bad affecting my credit. I contacted them online chat email and phone was treated rudely insulted and lied to. And told me they don't have to release my check until XXXX. Which is not true mine is released by my birthday. They did this a couple months ago and admitted after that it was their mistake. They don't care even though I've banked with them 5 years now.
Product: Debt collection

I received an initial written letter via mail regarding a debt I owe from Relin, Goldstein, and Crane dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXX of each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding the denial of securities by XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). Recently, I submitted a registered security to XXXX, as per their requirements. However, my application was denied based on information provided by Experian. It is pertinent to note that this denial occurred despite my XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX which should not be grounds for refusal of access to my securities. I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. 

This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Experian. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial.

Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified inaccuracies in certain pieces of information. Both XXXX and TransUnion credit bureaus are required to authenticate these accounts according to the guidelines outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). They are not permitted to label these reported accounts as unverified without furnishing evidence within the legally stipulated timeframe. The specified accounts necessitate scrutiny and rectification for their erroneous inclusion in my credit file, as detailed in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX