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

XXXX XXXX card came with only a month left on the card. Was expecting a new card to come. Called and they said it would be three weeks. At four weeks called and they said it would take another three weeks. at four weeks I called and asked to have a tracking number and paid {$20.00} for expedited service that included a tracking number to be emailed to me. Three days later and they say it's been mailed, but couldn't give me a tracking number. I have case numbers and names, but they don't seem to care. Starting to look like a scam. 
XXXX XXXX XXXX is the site.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

Had two transfers which were suppose to be transferred to my XXXX XXXX   account from the company called Quickpay Zelle. 
I have called chase more than 5 times and they promised me to money would be in my account. 

Expecting to transactions {$10.00} & {$50.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures : - Identity Theft Report - Proof of Identity - Fair Credit Reporting Act Section 605B
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am XXXX and XXXX XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX XXXX, XXXX XXXX earlier than I should have. I have XXXX, an XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and am XXXX  XXXX. The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.
Product: Credit card or prepaid card

Capital One withdrew {$1200.00} from my checking account at XXXX XXXX. They took {$620.00} twice. After alerting XXXX of this unauthorized withdrawal XXXX IMMEDIATELY refunded me. However Capital One reported my account as delinquent to the 3 credit bureaus causing a 250 drop in my credit rating. On top of that when l opened this account with Capital One they mistakenly withdrew {$500.00} multiple times causing 6 overdraft fees of $ XXXXea. Totaling {$200.00} which they promised to pay but NEVER did!!!.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my account for American First Finance within XXXX  days and an additional payment was withdrawn on XX/XX/year>. I called repeatedly to be refunded and spoke to a representative on XX/XX/year> who stated that the previous persons didnt process the refund. Today another payment was processed on my account erroneously. This company is fraudulently taking additional payments and if you dont keep track you will not know. They also keep your account open until the original maturity date even though youve already paid the account off and the system will state that you still owe a balance when you dont.
Product: Credit card or prepaid card

Someone committed fraud by applying for a credit card and having my information as a co-signer under my name. I have not applied for any credit card with Capital One. 
Account Number XXXX XXXX  Account Status PAYS_AS_AGREED Owner Account Type XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name Months Reviewed XXXX XXXX XXXX  Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$1800.00} XXXX XXXX {$3100.00} High Credit {$2300.00} Available Credit {$1200.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report.

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX  Violations : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion without proper notice Undated late pay Charge off listed as open Collection account with a limit Account Number : XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA , 604 Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, XXXX XXXX XXXX  XXXX Violation XXXX Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

Sincerely, XXXX XXXX
Product: Mortgage

we foreclosed a home with XXXX XXXX XXXX in XXXX we were offered a " rem judgement of foreclosure '' and a " deed in lieu '' to settle and our lawyer accepted the deal. we were told by BAC the accounts ( XXXX & XXXX mortgages ) were closed and wrote off. we have been contacted by a company called Real Time Resolutions and they have claimed we now owe them a balance for the mortgage amounts that BAC have told us were settled and closed. Real Time Resolutions has now reported on our credit report we are past due, and owe them thousands of dollars. we have XXXX XXXX XXXX telling us the accounts are not valid for collections, we have had lawyers tell us not to worry about these claims, but I would like to have Real Time remove the claims from our credit reports. I am now dealing with a new credit repair person that has me filing this complaint against Real Time and their tactics of damaging my credit history.
Product: Credit card or prepaid card

I decided to cancel an XXXX American Express card when I was charged an annual fee for the second year. I called to cancel it early this year, and the representative who helped me confirmed the cancellation and said nothing else. However, I continued to receive statements with a charge for the annual fee. 

When I called about this issue on XX/XX/XXXX, I was told by XXXX ( XXXX ) that there was a 30 day deadline for cancelling the account without an annual fee, and that I had been four days over the deadline. I objected that the representative had not informed me of this, and that if I had known, I would have kept the account open. I asked for the annual fee to be removed, or, if that was not possible, for my account to be reinstated. I was told that neither was possible. When I asked to speak to a manager, my request was refused. This representative did promise for my complaint to be sent to the proper department and that they would contact me about the result of their investigation. 

After not receiving any news for several months, I called again on XX/XX/XXXX, and this time spoke with with a manager ( XXXX ), who repeated that while they had tried to remove the annual fee both in XXXX and now, their software programs were not allowing them to remove it. He also repeated that I could not reinstate my account as it was past a three month deadline for that action. 

In summary, I am being asked to pay an annual fee for an account I can not use ; the company representatives tried to remove it and thus sanctioned the removal, but were unsuccessful.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SELECT PORTFOLIO SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with 1st Franklin Financial. 1 of the accounts is now closed, and they have not reported it closed to the credit bureaus. I disputed that it was closed and 1st Franklin said that its not. Someone at 1st Franklin is confused because I still have a different account that is open. I see both accounts on my 1st Franklin login ; it says 1 is closed and the other is open. I think 1st Franklin should really pay attention to detail and correct their mistake to the credit bureaus.
Product: Student loan

Mohela continues to delay processing of my PSLF.I continue to receive forebearance notices that are post dated XXXX months in the future an last a year. ( XXXX ) .On XXXX/XXXX/2044, I requested that they take my account out of forebearance and set my account up for automatic withdrawal. They have sent correspondence approving the withdrawal and withdrew XXXX payment. 
In phone communication they stated the forebearance is needed to process loan sequences XXXX and XXXX that was submitted on XX/XX/year> to XXXX  XXXX for discharge.However, the forebearance is not alligned with the time period noted on the website.The response is then, " We are experiencing delay '' .My application was submitted in XXXXAgain my application was submitted in XXXXHow much delay am I expected to withstand? 
Additionally, while the delay is due to Mohela.Why must I pay interest that is due to Mohela significant delay in processing. 
I give Mohela permission to discuss all account matters openly with CFPB. A request for signature can be posted to my online portal if this permission is not acceptable. I can also be contacted by the email granted to you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXXXXXX XXXX XX/XX/XXXX Account number XXXX hat appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue Broad I have attached a copy of ftc identity theft criminal complaint number XXXX
Product: Debt collection

I was a truck driver but now im on XXXX due to my XXXX XXXX and Sessoms and Roger are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from 2007. I have papers now that Sessoms and Roger are about to take me to court for. a letter has been send to them stating I am on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my Experian credit report dated XX/XX/19 that also dates back on previous reports indicating I opened a XXXX cable account at an address I've never lived. The address of XXXX XXXX XXXX XXXX Ga is a place I never lived nor do I know anyone that lives or has lived at this address. I've XXXX near begged Experian to remove the address and the account from XXXX the collection agency that is listed as the debt buyer. They refuse to do so. I've asked them to show me how this was verified. Still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my XXXX report and Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXXXXXX  Service Dept. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take six months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), the XXXX XXXX XXXX ( XX/XX/XXXX ) , and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both the XXXX and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.
Product: Debt collection

MY INFORMATION WAS USED UNLAWFULLY AND I FELL VICTIM TO THE XXXX XXXX BREACH AND OTHER DATA BREACHES SEE ATTACH
Product: Checking or savings account

I had a checking account with Fifth Third Bank since XXXX of XXXX. 
Starting XXXX of XXXX, they started charging me a monthly service fee unknowingly and they are trying to justify it using a long disclosure that contains a lot of information. 

Since, I have been a customer for a long time, I was expecting a reminder from them before they start charging me. In my estimation, they took advantage of me not being aware to charge some fees that they can't otherwise justify it.
Product: Credit reporting or other personal consumer reports

I am preparing to apply for a Mortgage XXXX. The ONLY [ NEGATIVE ] item on my XXXX XXXX is a XX/XX/XXXX { XXXX Late payment }, reported by Capital One ( See attached ). It pertains to my OPEN Capital One Credit Card, Account # XXXX. I have NEVER been late paying this credit card account. This Inaccurate and Fraudulent XX/XX/XXXX { XXXX Late payment } had to be caused by the Capital One Data Breach, as follows : CAPITAL ONE DATA BREACH : In XX/XX/XXXX, Capital One announced that it had been the victim of a criminal cyberattack on its systems. The attacker gained unauthorized access to the personal information of approximately XXXX XXXX XXXX consumers. The specific information accessed for each person included some combination of peoples names, addresses, zip codes/postal codes, phone numbers, email addresses, dates of birth, self-reported income, credit scores, credit limits, balances, payment history, contact data, and/or fragments of transaction data from a total of 23 days during XXXX, XXXX and XXXX. In addition, about XXXX Social Security numbers and XXXX linked bank account numbers were accessed. 

It is CLEARLY stated that Capital One 's Customer PAYMENT HISTORY, in XXXX, was compromised!
Product: Credit reporting or other personal consumer reports

IAM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I HAVE NOTICED MANY INCORRECT ADDRESS NAMES AND EMPLOYMENT INFORMATION ON MY CREDIT PROFILE. CORRECT AND UPDATE  THESE ADDRESSES ,NAMES AND EMPLOYMENT NOW .IAM A FEDERALLY PROTECTED CONSUMER  I NEVER PERMITTED THESE ADDRESS.. I ASK FOR MY PROPER ADDRESS TO BE UPGRADED MY ADRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX