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

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, transunion and experian to no avail. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX. Is not my account! 

XXXX  XXXX {$1000.00} Is not my account! 

BXXXX XXXX  Is not my account! 

XXXX XXXX  Acnt # XXXX {$9200.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX  Acnt # XXXX {$820.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$1700.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX  XXXX Acnt # XXXX {$3800.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX  Acnt # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$2900.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX  Acnt # XXXX {$570.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt # XXXX. {$360.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$770.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX  XXXX Acnt # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX  the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : last payment :
Product: Checking or savings account

I am writing to formally complain about a series of unauthorized charges on my Bank of America account, totaling {$350.00}, which have caused significant financial strain for me and my family. 

Since becoming a member in XXXX, I have had no issues until now. Recently, I was charged {$89.00} for a XXXX subscription that I did not authorize. After contacting XXXX, they advised me to reach out to my bank for resolution. Although I received a temporary credit on XX/XX/XXXX, my claim was denied on XX/XX/XXXX, with the reason stated as a recurring charge. This is false, as I had never authorized any such recurring payment. 

Additionally, I was charged {$15.00} monthly for an XXXX XXXX membership that I had already canceled. After discovering that the account was linked to my XXXX daughter 's email, I assumed it was resolved. However, I continued to see these charges on my account. Despite my efforts to rectify this directly with XXXX, they confirmed that I had no ongoing membership. 

Throughout this process, I have repeatedly contacted both XXXX and Bank of America for assistance. I was initially provided a credit of {$250.00}, which was later denied based on the claim being considered delayed. I was informed that my claim was denied because the transactions were deemed authorized by me or someone I allowed to use my card. 

I find it deeply disappointing that Bank of America would allow such significant funds to be removed from my account without proper verification or support, especially when I have clearly stated that these transactions were not authorized. As a single parent with XXXX children, this has put me in a difficult financial situation, leaving me with no funds until my next pay period. 

I request that you investigate these charges and reconsider the denial of my claims. It is imperative that I receive a fair resolution in this matter. 

Thank you for your attention to this urgent issue
Product: Debt collection

I have sent several letters to the company listed. Letting them know that this account is the result in unauthorized access of my personal information. As a results this account was created without my authorization. The account has also, been sold to another company without my consent or prior knowledge. I have no knowledge of this company. They dont have anything with my signature and the address listed on the contract is also incorrect. 

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$940.00} Date Updated XX/XX/XXXX High Balance {$940.00} Original Creditor XXXX XXXX XXXX Past Due {$940.00} Pay Status >Collection<
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi im asking for a One time courtesy for one late that hit my account as stated on the letter that i got pregnant the same month i was hit with late on my account and i was never late with any of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I am disputing the following items : 1. XXXX pulls XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate because they are duplicative. I only authorized 1 pull on my credit report. 

2. 2 XXXX late payment marks are duplicative- they represent the same payment/lender agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with The Fair Credit Reporting XXXX  Account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the got to privacy 15 U.S.C 1681 section 604 A. states section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Barclay stating " when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' During the month of XXXX I placed 3 orders on XXXX XXXX dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called about one month later and the customer representative told me statement credit will be applied when my next statement is posted. Now it has been more than 4 months and I still haven't received the {$20.00} statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Product: Debt collection

This certified letter to notify you that I believe I have been a victim of identity theft. Please rate the following accounts as " unrated '' until this matter has been resolved.

I am formally requesting the following : 1 ) Please place a fraud alert note on my credit immediately.

2 ) Please notify all companies that have inquired in the past 12 months that identity theft has occurred.

3 ) Please do not authorize credit in my name without calling me first at ( XXXX ) XXXX XXXX for verification. 

4 ) Please send me a complete copy of my credit report as soon as possible so I can check it again for accuracy.

5 ) Please do not release my credit information to any credit issuer in the future without my permission.

I will inform you in writing when the matter has been resolved to remove the fraud alert. Enclosed is a copy of the FTC ( if you have one ).
Product: Checking or savings account

After banking with Huntington for several years, in total 18 years on and off, they froze all my accounts on Tuesday XX/XX/XXXX. They claimed the issue was due to my XXXX Deposits first, because they came in my username not my real name, which is common with online selling venues. I leave to get the documents they request and while in the parking lot I am called to bring in further documents, this time about a check I deposit on behalf of my mother for survivors benefits of workers comp she receives from my uncle she cared for after his XXXX for two decades. My mother is now XXXX, she is a XXXX   XXXX XXXX, and the bank forced me to bring her out in freezing temperatures - despite her having a recent XXXX XXXX, to sign documents about my account - despite the fact I had provided POA documents before. After this SIX HOUR escapade - they unlock the account after XXXX that night and release my money. All the while, I am now behind on orders for work and was unable to buy postage and product due to my money being held all day - pushing me into 2/3 day delays. The account is fine on XXXX. On XXXX - after getting two large deposits from sales - once again my account is held. This time they wanted me to force my mother to open a bank account or they wouldn't unlock my account. They waited until after XXXX to lock the account so I was unable to get any sort of resolution that day and my money was held until the following day - and with another deposit coming in. Now I'm down three days I haven't been able to work during my busiest time of year. Friday, after I filed a complaint with the OCC - they release my account funds in part. It's now too late to buy product so I'm now 7 days behind on some orders. They force me to come back the following day to get the other half of my money. On Tuesday, XX/XX/10, the accounts are completely closed. I had to update my shops to new banks - which results in a 5 day hold - so now I'm at 9 days of loss of business and forced to refund many people. Two employees, namely XXXX XXXX and XXXX XXXX, were combative and unhelpful. XXXX XXXX degraded my mother for being XXXX and said he would not handle her XXXX and wouldn't help if she didn't stop being upset. He embarrassed and harassed her for three hours in the XXXX XXXX branch location.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I applied for a mortgage loan with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX informed me that my application was denied. One of the reasons given was " Excess Obligations in Relation to Income ''. A DISCOVER account was considered as an " obligation. '' DISCOVER confirmed to me by letter dated XX/XX/1996, that my name was removed from the account. They lied. The account continues to " impact '' my credit worthiness.
Product: Debt collection

Disputed account is still showing on my account after company said they will delete it. Its showing up as {$32.00} written off and I never owed this money. This account needs to be deleted from my credit report, below are the proof of dispute
Product: Credit card or prepaid card

XXXX. Starting working with a licensed plumbing company, made me pay upfront for services. It was {$300.00} and I paid on my chase sapphire reserve card which is not canceled due to this issue. 
XXXX. Did not deliver service requested and was sending threats against me and my house XXXX. Disputed with Chase and included all evidence XXXX. Chase did not resolve the claim despite lack of delivery of service and threats. 
XXXX. Tried to work with chase but they have a process where when you call in you get someone who can not help you and your call goes nowhere. They bounce you from customer service agent to customer service agent all of who claim they are the wrong department and then they put you on hold for 40 minutes or longer. 
XXXX. They had sent something to my other house that I would need to physically mail a response to by a due date and I missed it as I did not have access. They have an online portal but would not let me use it. 

Really disappointed with chase. They are always doing something shady.
Product: Student loan

The US dept of education have garnished two months of my SSI ( XXXX ) without my knowledge, I am a XXXX XXXX person, I have tried to reach out and the Dept sent me to a collection agency and for obvious reason I got nowhere with them, I tried to explain that this is for my XXXX meds and my car payment and they did not seen to give a XXXX XXXX XXXX XXXX I even looked on my ss website and it 's not showing up as a garnishment, like I mentioned no contacted me to even make payment arrangement, and according to the rules if you 're XXXX XXXX you 're forgiven for the loan and I 've been XXXX since 2008. Please help because I need these meds and I need a car to get to my doctors. Thank you kindle. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I SUBMITTED A CFPB REPORT THE OTHER DAY AND WAS TOLD IT WAS INVALID, SO I AM SUBMITTING. I AM DEMANDING THAT THIS BE TAKEN SERIOUSLY, THERE IS INFORMATION ON MY CREDIT REPORT THAT HAS NOTHING TO DO WITH ME AND AM DISSAPOINTED THAT EACH CREDIT BUREAU ISNT HELPING ME AT ALL ... .. 

MY NAME IS XXXX XXXX XXXX ... .AND I AM DEMANDING THAT PURSUANT TO SECTION 605B OF THE FCRA THAT THE INFORMATION ON THE DISPUTE LETTERS AND FTC REPORT BE BLOCKED ASAP!
Product: Prepaid card

Hi Im trying to get service with chime and they wont let me open a chime account for some reason is there a issue why they wont for me
Product: Debt collection

A XXXX account was open in my name without my knowledge. I do not have XXXX I have dish and the address that's on the account does not match my physical address where I actually live. They wouldn't tell me what the address was that was on the account even though they said it did not match. They kept asking me to tell them what was the address that was on the account and I told them I don't know because I did not open that account how could I know what address that was on the account if I did not open and also they kept transferring me to different departments and no one would help me.
Product: Mortgage

I was behind in my payments, I called and got the amount due. Made the full payment in XX/XX/XXXX and brought it up to date, so I thought. I called in XX/XX/XXXX to see if I had a payment due. I was told no payment was due. In XXXX, I made two payments for XXXX and XXXX and was then told I had a late fee from XXXX, This company charged me XXXX for the appraisal fee for two months when the account was up to date. This company charges a XXXX appraisal fee when you're late with your payment, but for that month I was not late. When I asked, I was told that they dot pick the time that the company goes out and do the appraisal. I was told that they did one in XXXX but I paid up in XXXX. The work said I paid at the end of XXXX and the company had already went out. The fee was for XXXX and XXXX, which again makes no sense. Now that I went in a forbearance for the hardship that I experience for the Corvid 19. I again asked that that fee be removed. I also trying to get the missed payment added to the end of my loan, but they are saying that for Va loans that not an option. I don't believe that our government will not help their veterans. I
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

XXXX : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX
Product: Checking or savings account

They were charging me fees to keep my account open, demanding to keep a higher amount each month to be able to have it fee free as before they denied reimbursement of the fees collected so I closed my account and ended my relationship with the bank.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Re Credit card # XXXX XX/XX/XXXX I went online to request change my payment date from the XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX- as system allowed up to 7 days later from due date. Payment due the XX/XX/XXXX payment, changed to XX/XX/XXXX. However Cap One made the statement appear that I cancelled payment on the due date -XX/XX/XXXX! ( Keep in mind my monthly payment is due the XX/XX/XXXX. ) They charged me a XXXX late fee and reported to credit bureau late. I have had an account with Cap One over 5 years and NEVER made any late payments and they chose to disrespect me, treat me unfairly, refuse to review and listen and correct. When customers are near their limit they disrespect their customers and and try to double up on late fees and lie about paymnt history. I called Cap one on XX/XX/XXXX and spoke with a male as he admitted I made a payment date change and he placed my payments back to the XX/XX/XXXX for the mon of XX/XX/XXXX-they have no right! So they can make even more $ off of me and reported late and now Im 2 months behind as its incorrect-EVen when I made my payment of XXXX in XX/XX/XXXX-they did no credit act for the month of XX/XX/XXXX- now showing 2 payments due ( XX/XX/XXXX & XX/XX/XXXX ). As u can see I cancelled XX/XX/XXXX payment that they show due XX/XX/XXXX when it was changed to the XX/XX/XXXX! Not fair! The male I spoke with ignored all issues and changed pmt back fraudulently and shows 2 pmts due illegally when they received XX/XX/XXXX payment on top of reported my act past due. If Im 2 payments behind why have I NOT received any calls payments are PAST DUE????????
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account ( XXXX  XXXX ), account number ( XXXX ), has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly. 

Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to restore the accuracy of my credit profile, as is my right under the FCRA. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>