23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive satisfied the original amount due on account post charge off. Company continues to report balance for interest that has accrued since account was closed.
Product: Debt collection

The debt reported from HARVARD COLLECTION SER in the amount of {$450.00} is not mine. This is inhibiting me from attaining credit in order to purchase a new home or qualify for higher lines of credit. It isnt fair that fraudulent charges can make such an impact on someones life and their ability to make larger purchases.
Product: Checking or savings account

I have a Capital One 360 Saving account since 2008. Today I noticed the interest rate is low to 0.3 % instead of normal APY on the market. So, I contacted with Capital One about this issue and was told that 360 Saving account is discontinued and I needed to open a new 360 Performance Saving to get an higher interest rate. 

The problem is Capital One has never ever contacted with me about this 360 saving account would be discontinous and the interest rate would be getting down in written notice until I, myself, found this issue. Now they treat my normal adult saving account as kids saving account by offering APY 0.3 %, which is 11 times lower than their new 360 Performance Saving account 3.4 %. 

I don't understand why Capital One won't send a letter to their customs about this product will be closed. It is a very easy and friendly way to keep our customers ' attention. 

XXXX.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX, XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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

I am writing to request the investigation and removal of a repossession that appears on my credit report. The account was opened in 2016 by XXXX XXXX. I co-signed the vehicle for a relative and I was unaware that the relative I co-signed the vehicle for fell into financial hardship. I was not informed by neither the lessee or lender until the negative inquiry was placed on to my credit report.
Product: Credit card or prepaid card

I purchase an aircraft part on XX/XX/2023, from a now proven fraudulent website that has since closed down using my Visa credit card. Because the merchant only accepted payment via XXXX for the merchandise, with a Link they provided, I used my credit card to make that payment of {$2000.00} for the aviation parts through the merchants XXXX link he provided. I have a detailed receipt/invoice from this merchant for the goods I purchased. The Seller 's website was closed down due to being fraudulent and my credit card company will not dispute the charge. They claim because XXXX was used by the merchant, they can not dispute that charge. However, on the XXXX website, it says if you have a dispute feel free to contact your credit card company and do a chargeback. 

So now neither XXXX or my credit card company will dispute the charge of {$2000.00}. I was also charged a transaction fee of {$60.00}. 

XXXX does show my transaction as a purchase of goods. 

I just reported this merchant to the police and the FBI. The police report will be available in a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, 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 The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.
Product: Debt collection

XXXX XXXX medical Center has issued financial aid regarding past due accounts. XXXX accounts have been cleared for removal of debt, regarding the original company accounts. Letters have been distributed to agency for removal of debts.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Debt collection

When I began working on my credit in XXXX I notice a loan on my XXXX   report from Western Shamrock Corp staring in the amount of {$250.00}. It stated that the account was CLOSED as ofXX/XX/XXXX. When I attempted to receive information regarding the debt the company still has not validate any information. The company is reporting a address of XXXX XXXX XXXX XXXX SC XXXX. This address was removed from my XXXX report because it was not correct and I never resided at this located. As of today XXXX I still have not received validation on this loan. On today however I received notification from XXXX that Wedtern Shamrock reported a closed account to my report in the amount of {$1100.00}!!!!! After looking over the information it is reporting the same closed date of XX/XX/XXXX. My frustration is coming from two places, this debt is not mines and even if it was Im sure its against the law to be wrong different information to different credit bureaus. To confirm any changes I recheck my XXXX account t and it was updated on today as well XX/XX/XXXXstill reporting {$250.00} however today this company has just started reporting to XXXX  as with the amount of {$1100.00}. I would like for this information to be removed ASAP because this company can not validated this debt or confirm it belong to me as well as reporting different information to different credit bureaus. For this company to report to both credit bureaus that this account was closed sinceXX/XX/XXXX no extra fees should be added after that closed date. Please ensure that this information is deleted and reported to all three credit bureaus as inaccurate and removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting an accurate credit score. They are illegally suppressing and intentionally not using updated payment information that is used to feed the algorithm to show accurate score.
Product: Credit card or prepaid card

American Express allowed a unidentified individual to open a credit card account up in my name Im just now seeing the results from this because I recently reviewed my credit score and it appeared out of nowhere and its very unfair to me as a young consumer and American whos making his ends meet the legal way I wont this account removed from my credit ASAP and the account was opened XX/XX/XXXX and closed XX/XX/XXXX the amount is XXXX from a account I never opened and never applied for my identity was compromised
Product: Credit reporting or other personal consumer reports

I am writing to reiterate my final demand for the immediate removal of inaccurate and unauthorized negative accounts that remain on my credit report despite prior disputes and efforts to resolve these issues.
Product: Mortgage

We refinanced our home with a new mortgage on XX/XX/2020. As part of that process we paid off our existing mortgage with Nationstar Mortgage LLC dba Mr. Cooper ( Mr. Cooper ). Mr. Cooper charged a {$30.00} " Quote Fee '' and a {$20.00} " Expedited Delivery Fee. '' I called Mr. Cooper to complain about these fees because the {$50.00} in fees is for simply pressing a few buttons on Mr. Cooper 's computer system and sending an email with a .pdf of the pay off report to the title company. To the best of my knowledge, we never signed a document agreeing to paying Mr. Cooper these two fees.
Product: Credit reporting or other personal consumer reports

I requested to remove an address from my report because the address is not valid i disputed it they comes back as valid and the location doesnt exist I do understand how they verify an location that is not real there are 2 different address
Product: Credit reporting or other personal consumer reports

Its been frustrating dealing with the consequences of unauthorized inquiries from your company on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXXXXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX CO XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX  Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX  ( Original creditor : XXXXXXXX XXXX ) XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

We created a square account for our business a few months ago. We accepted our first payment using the square account on XX/XX/XXXX. Once we accepted the payment we received emails from square saying that we need to verify our business. We followed all the steps and were told we would have to wait until they reviewed our information before we are able to access the funds. A few hours later we received an email from square saying that they are deactivated our account because they are not able to support our business needs and that we will have to wait until XXXX XXXX XXXX  to get our money that is in our square account back. I tried to contact square because their reasoning for deactivating our account was very vague. I had to call from a different number that was on our account because they refused to answer when they recognized the number. I used a different number and the rep told me that she's unable to provide me any details because its against their policy to tell me the actual reason they deactivated my account and there's nothing they can do about getting me my money earlier. I tried asking her another question and she hung up on me and sent me an email basically saying that my account is deactivated. Her name was XXXX XXXX XXXX went to the XXXX website after and saw thousands of of complaints from other businesses that have went through the same thing as me and they're saying that square is refusing to help them. Square should have asked me to verify my business when I initially created my account, that way if they felt like they couldn't support my business needs ( for whatever their reason is ) then they could have deactivated our account then! But they waited until they had our money in their account and then they deactivated our account. I have seen many complaints from other businesses that say even after they waited the 90 days, they were still unable to get their money back from square. Some say they have waited 180 days and have still yet to receive their money. We are a XXXX owned small business and we are being treated unfairly by this company called square. This seems like a ploy to keep our money on their books to fund their own companies needs. We are a XXXX  owned small business, we can not afford for our funds to be held by a major corporation for no reason!! We have a business to run and without those funds we are at risk of losing our customers and our business. I don't care to do business with square anymore, i am not asking for my account to be reactivated, all I am asking for is to have my money that is being held by square to be released to me immediately! In the email they said that once our information was verified we would be able to transfer our money out, that was a lie. our information was verified then they deactivated our account and is holding our money our money hostage.
Product: Credit card or prepaid card

Regardless of the multiple written requests, JPMCB CARD accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB XXXX XXXX, JPMCB CARD XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation of the accounts with inaccurate information being reported on my Credit report and after checking the Credit Bureaus ' response I recognized that some accounts are still incorrect, with a confirmed status. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. Please correct the following accounts : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Product: Student loan

I am being charged late fees every month, and i am never late. My loan has been set up to automatically withdraw from my bank account since the beginning. It is impossible to mange this with the lender, because there is a third party that is managing the loan.
Product: Money transfer, virtual currency, or money service

Paypal banned my account. I comply with there legal agreements but they shutdown my account instantly my account have no problem. Please help me to restore my account thank you.
Product: Credit card

Please file this new information with a previously filed ongoing complaint. I have received a new email from the merchant in which he describes in greater specificity what he requires in order to be satisfied. The merchants email reads : XXXX, I have again attached all the paperwork related to this claim. It clearly shows the money was removed XX/XX/XXXX. This was done three days after you and I had concluded our talks. As of today, that money was never put back. The bank can show, say anything they like but until that money is returned to me this matter remains open. When your bank shows you, they returned {$630.00} to me any time after XX/XX/XXXX then I will be satisfied. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I booked a rental car through Chase XXXX  Rewards. I used my points to pay for the 1 week rental from XXXX for a value of {$410.00}. A few days later I looked at my recent transactions and there was an additional charge of {$600.00} from XXXX ( the rental card company ). I called Chase and the XXXX Rewards team told me that there were other fees attached to the rental that they could not cover ( upgrade to a better model, which the salesperson on site told us was a " free '' upgrade, an airport surcharge fee even though the rental car is not kept on site at XXXX, and another fee that the customer service person had trouble explaining ). As part of the Chase Sapphire XXXX card, customer service is supposed to work on your behalf to assist in travel matters, like incorrect billing. After waiting for 40 minutes, the customer service represented told me I needed to call XXXX directly. In addition to that, they said they were under no obligation to pay for additional fees. I understand they are not obligated to pay for those fees but the total price of the rental car was more than double what I used my points for and none of this was represented transparently when I checked out. Had I known that {$410.00} in points wasn't even going to get me half way to the total cost of the rental, I would have approached it differently. I believe Chase is misrepresenting the value of their rewards points programs and not explaining clearly to consumers the true cost when purchases are made. Additionally, they are not providing the travel concierge services ( which is $ XXXXyear ) that they are advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is incorrect.XXXX XXXX account XXXX was past due several times in XXXX
Product: Credit reporting or other personal consumer reports

Checked my credit report on XX/XX/2024 and to my surprise there were several INQUIRIES that do not belong to me and I would like them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2016 Equifax apparently has some incorrect information about my identity in their files. They refuse to supply me with my free credit report, so I can not even begin to look for problems myself. They have failed to make a good faith effort to correct their error. 
I first encountered the problem when trying to create a My Social Security acct. online. I was blocked when the system could not identify me. Social Security told me that XXXX of the credit reporting companies was used to identify me and may contain incorrect information about me, and recommended that I get my credit reports. When I tried to do that, Equifax blocked my request saying that they were not able to " match your records ''. I have spent hours on the phone and online trying to get Equifax to fix whatever the problem is. They first told me to file a dispute online, but when I tried to do so their system blocked me again. On the phone they tried to tell me that the problem was my middle initial. They filed a dispute and I have received a letter XXXX Equifax conf. # XXXX XXXX saying that they have fixed my name by adding my middle initial. Not surprisingly, this did not fix the problem. Back on the phone, they gave me the run around, telling me that my information was correct, did I want to file a dispute again, etc. They refused to transfer me to anyone who could help ( the Customer Representative is a phone bank in the XXXX and they do not have adequate access to my records. It is abundantly evident that their job is to make me go away. 
In the past I have had my identity stolen twice, my address changed online without my knowledge, my credit card used fraudulently, etc., so this is a very urgent problem. Amazingly, this is causing Social Security to block me. I am nearing the age when I will file for XXXX and Social Security benefits, so this is no trivial matter. 
Please help. My request to you is : 1 ) XXXX Equifax to fix this problem 2 ) XXXX Equifax to provide me with a full and complete explanation of the error, the origin of the error, and what they have done to fix it. 
3 ) Force Equifax to completely investigate my credit information and determine what damage to my credit has been done. 
4 ) Force Equifax to contact Social Security XXXX to correct all errors regarding my identity and place an explanation of this event in my Social Security file. 
5 ) Force Equifax to give me the required free credit report. 
6 ) Force Equifax to extend the XXXX alert on my credit files ( I currently have another year or XXXX on a XXXX alert caused by the events noted above. ) Thank you sincerely, XXXX ( aka. XXXX to Equifax XXXX
Product: Debt collection

XXXX XXXX XXXX INSTRUCTED PENDRICK CAPITAL TO CLOSE ANY AND ALL DEBTS ASSOCIATED WITH MY SOCIAL SECURITY NUMBER AS THEY WERE NOT MY BILLS BUT A TYPO BY AN ADMISSIONS CLERK WHEN ADMITTING A PATIENT. MY SOCIAL AND THE PATIENT 'S ARE DIFFERENT BY ONE NUMBER. THE HOSPITAL HAS A COPY OF HER ID WITH HER SOCIAL ON FILE HOWEVER THE TYPO 'D SOCIAL ( MINE ) IS THE NUMBER ASSOCIATED WITH THE DEBT. PENDRICK CAPITAL HAS PURCHASED XXXX OF HER BILLS AND PASSED THEM ON TO OTHER COLLECTION AGENCIES. THEY ARE NOW REFUSING TO DISCUSS THE ACCOUNTS WITH ME EVEN THOUGH IT IS MY SOCIAL SECURITY NUMBER AND AFFECTING MY CREDIT. THEY HAVE BEEN INSTRUCTED TO CLOSE ALL DEBTS WITH MY SOCIAL SECURITY NUMBER. THEY HAVE ONLY CLOSED XXXX OF THE XXXX AND ARE NOW REQUIRING ME TO HAVE THE HOSPITAL CONTACT THEM AGAIN!!! THEY ALSO WILL NOT TELL ME THE NAMES OF THE AGENCIES THEY HAVE PASSED THE DEBTS ON TO SO THAT I CAN CONTACT THEM AND HAVE THE ACCOUNTS CLOSED WITH THEM SO THEY DO NOT REPORT IT TO MY CREDIT.
Product: Debt collection

The debt is erroneously reporting in my credit report. It is past seven years old and needs to be removed.