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

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

We participated in a group tour in XX/XX/2020 that included travel to XXXX. Due to the spread of the coronavirus pandemic, we decided to leave the tour early and made flight reservations on XX/XX/XXXX to leave XXXX for XXXX on XX/XX/XXXX, using a website operated by the merchant, XXXX. We paid with our Capital One credit card. On XX/XX/XXXX, the government of XXXX announced closure of all international travel in and out of XXXX. We were in XXXX with our tour group at this time. Our tour group agents personally visited the XXXX airport on the afternoon of XX/XX/XXXX and morning of XX/XX/XXXX, and advised us that no flights were authorized to leave the airport, and that we should not go to the airport. We contacted the Merchant on XX/XX/XXXX concerning this matter and did not receive a response. We contacted the United States Embassy in XXXX and were told that all flights were suspended effective XX/XX/XXXX and that we should not go to the airport. We promptly cancelled the flight reservations on XX/XX/XXXX and were able to visit with a Merchant representative, who indicated that she was not in the country and was unaware of the airport closure. We have submitted copies of all relevant information we have on this matter yet Capital One appears to ignore the realities of the situation, even apparently agreeing with the Merchants claim that the tickets purchased by the customer were not affected by the Covid-19 travel Ban. So, we were expected to ignore the executive order of a government where we were traveling, our own governments embassys instructions as well as our legal agreement with our travel company? We did make a timely appeal of Capital Ones initial rejection of our dispute, which involves {$680.00}. In its final rejection letter to us, Capital One falsely claims that we did not dispute this charge within 60 days of receiving the statement that shows the disputed charge. This is not true-we sent them a letter dated XX/XX/2020 that disputes the charge-less than one week after we received the statement. We also contacted Capital One by telephone on XX/XX/2020 concerning the matter because we had received no response from them at that time.
Product: Credit card or prepaid card

my husband and I was visiting in XXXX in XXXX, we where stopped by some sales people about taking a free helicopter ride and a free steak dinner if we attend a seminar, we did upon this meeting they asked for our ID '' s and some other information. We did. and after the seminar we go to a back room with all these salesmen again to get you to apply for a vacation package.for XXXX I told my husband no and we left .the next thing I found out money was coming out my account in XXXX. I tried and tried to reach out to them and nothing/at first they couldn't even find me.i finally after 2 month 's have got a phone number to call them about a credit card they say i purchase for a XXXX and never received are used.they are still taking money out my account
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of TransUnion inquiry glitch, Contacted TransUnion for help, but did not receive any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Credit karma promised me that I would get a credit card and then I was 90 % to 99 % qualify to get it and they promised I would have a credit card and I filled out all the information and they denied me and they did this to me on many occasions where they would send me an advertisement and tell me I qualify for credit card and I didnt qualify and affected my credit and Ive been doing this to me since 2016.
Product: Bank account or service

My name is XXXX XXXX and I am the XXXX. On or after XXXX XXXX, I opened up XXXX business checking account ( s ) with SunTrust XXXX I was in the branch for several hours working directly with the branch manager, a personal banker and a merchant account representative. I specifically, requested that my accounts be linked to prevent overdrafts, along with other request. I left that meeting with the direct impression that all of my needs had been met. 

On or after XXXX XXXX, I filed a dispute inside of the branch regarding XXXX debit card charges that were wrongly assessed to my account. To date I have not received any credits for those charges. On or after XXXX XXXX, my account was assessed over draft fees which totaled roughly {$180.00}, for debit card charges and a check transaction ; although I had more than enough money in my account ( s ) to cover them. 

I spoke with the branch manager " XXXX '' who rudely argued with me and informed me that my accounts were not linked and that I had never requested that service. All of which is not the truth. We bantered back and forth about it and he reluctantly gave me a credit for those charges. I told him that I would come in and refill out the required documents to have my account ( s ) linked. 

On XXXX XXXX, XXXX and the XXXX I tried unsuccessfully to transfer money from my merchant account to my operating account via my mobile app and my desktop computer. It kept giving me an error code. On XXXX XXXX my account went into the negative, a check for {$1000.00} had been returned and numerous fees had been assessed. I went to the branch and spoke with " XXXX '' about my account. Once again I had the money in my account ( s ) but due to a bank system error, it would not allow me to transfer funds. XXXX stated that sometimes the system will block you, if you are attempting too many transfers in a day. He told me that he would not credit me back for the fees, even though it was not my fault. I told him that I was going to file a complaint. 

On XXXX XXXX, I attempted to place a stop payment on the returned check but the SunTrust system, would not allow it, so I went to a branch ATM and withdrew out {$1000.00} to cover the check in cash that had been erroneously returned. On XXXX XXXX, the same check was re-presented for a second time and my accounts were assessed multiple fees and has remained in an overdraft status for two days. It 's egregious that I have had numerous problems with my account ( s ) in addition to having enough funds to cover every transaction that I have made. Lastly, I have had to deal with an argumentative and overzealous branch manager that has a clear problem with listening, understanding complex situations and the need to prove himself right in the face of overwhelming truth that he is not right. I am requesting the following : 1. All overdraft and return check fees be refunded to my accounts. 

2. A block be placed on check number XXXX, in the amount of {$1000.00}, because it has already been redeemed in cash. 

3. That my XXXX debit card disputes, be credited back to my account. 

My account ( s ) numbers are : XXXX XXXX XXXX
Product: Student loan

Nearly every time I submit paperwork for forebearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am deliquent. I have to re-submit all of my paper work yet again, paying the postage, and taking the hour or two for all of the steps. This occurs every 6 months. I spent hours on the phone on hold, arguing with representatives to have the late fees waived and to finally have my forebearance request considered. This is infuriating. Please help.
Product: Credit card or prepaid card

i received a discover credit card that replaces my old one.

I'm not sure if this is a problem, the new one doesn't have the hologram on the back of the card. My old one does. This is a red flag for me because all of my credit cards have holograms on the back. And all of my moms and friends cards have holograms. I called discover and even used the chat function on discover website and I wasn't given a definitive answer. Stuff like some cards don't have the hologram on the back. I'm not sure why they would get rid of a feature like this that helps consumers identify fake cards. I am not sure what to do. Looks like my old card except for the hologram and new security code. There is no information on the discover website that helps me with pictures of a card, or information on holograms. I'm not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit card company charged a XXXX dollar membership fee on a lost credit card. The Chase then filed a 30 day late with the credit bureau against this card, that was no longer in use. They stated they sent new cards on XX/XX/XXXX that were never received. When i reviewed the address, it was incorrect. Credit history shows card open since 2006, with no late payments and a credit line of XXXX with a XXXX balance. Chase has agreed to refund the late fee, but states there is nothing they can do about the 30 day late reported to the credit bureau.
Product: Mortgage

I sold the home in XXXX but struggled with Wells Fargo for XXXX years. I was fortunate to find a buyer before Wells Fargo foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian and sent certified Letters and file with FTC explaining to them XXXX XXXX Bill is a fraudulent account. This account dont belong to me at all. XXXX XXXX {$7400.00} balance XXXX XXXX
Product: Bank account or service

XX/XX/2016 I closed my First Tennessee checking account as no matter what amount I had in the account they found a reason to still charge me for the checking account. Then XX/XX/2016 a direct deposit was sent to this account. Instead of rejecting it, they put it in my closed checking account and then, started charging the closed account, my home equity yearly fee, checking account fees plus a bundling charge. I did not know this until 2 days ago they sent me a email regarding my home equity acct. otherwise I would not have know this had happened.
Product: Debt collection

XXXX XXXX  XXXX Department acted prematurely and wrongfully processed a notification like it was a court-ordered levy garnishment from XXXX XXXX XXXX XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX County Government Clerk of Superior Court stated that the court has not issued a levy garnishment to XXXX  on behalf of Calvary SPV I LLC to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My complaint is that Calvry and Levy Law Firm XXXX acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of debt debt-collecting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. XXXX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL XXXX CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON XXXX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.
Product: Checking or savings account

I was contacted by XXXX fraud department about an account opened in my name that I did not opened. They are refusing to close the account until their investigation is completed. This has been ongoing since XXXX/XXXX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to have Experian, XXXX, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XX/XX/XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX , Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 

2. What services I am being charged for. 

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXX, MCA Management, XXXX XXXX, XXXX XXXX, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Credit card

When I opened the carecredit card several years ago I put {$2000.00} on there and without my knowledge if you put another charge on that card, the payments are split and not applied to the first charge. This was not explained to me clearly they told me that the monies would be paid to the first charge first, although this did not happen, Therefore the first charge did not get paid off and with less than {$300.00} left on the balance, they charged me balloon interest at 30 % And I got an XXXX dollar interest charge on a {$2000.00} charge. It was not clear to me either that these special financing deals included balloon interest, shady XXXX XXXX XXXX XXXXXXXX! Such unethical practices for people who are trying to pay medical bills and then they go and put {$1100.00} interest on {$2000.00} thats outrageous and egregious and morally wrong. Im furious, broken & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted XXXX several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with XXXX repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted XXXX so many times to address the situation and it has n't been address.. I was advised by a XXXX US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX- ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX )XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact MarkOne as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.
Product: Credit card

I am filing this complaint regarding an inaccurate late payment mark that was placed on my credit report by First Progress. The payment was not truly late, and I was never notified that the company intended to report it as such, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

**Background : ** 1. **Inaccurate Late Payment : ** I dispute the late payment reported by First Progress on my credit report. The payment in question was not late, and I have records to demonstrate that I made the payment within the agreed-upon time frame. 

2. **Lack of Proper Notification : ** According to the FCRA XXXX companies are required to notify consumers if they intend to report negative information, such as a late payment, to credit bureaus. I never received any such notification from First Progress. This failure to notify me is a clear violation of the FCRA and has resulted in unjust damage to my credit report.
Product: Checking or savings account

I had to close my bank account with Wells Fargo due to many charges I didnt know of and fees I was never explained were being charged.