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

I am attempting to login to my Experian. The website keeps telling me they can not confirm my identity and to call the speak to a representative. When I call to do so, the auto attendant says they can only transfer me to a representative for limited reasons, but I don't qualify given my answers to the auto attendant. I called three times to try to get someone who can help me get into my account to look at freeze options. Each time the auto attendant tells me I can either go to the website to figure this out on my own, or receive a text with instructions, but I can not talk to a representative. The website and text instructions can not get me into the website. I've tried it all afternoon. The website literally says I need to talk to a representative but when I call the attendant won't let me. Are credit bureaus allowed to block me from attaining the help I need from a representative to get into their site, when their site itself tells me I need to speak to a rep?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PAYMENT HISTORY SHOWING ON THIS ACCONT IS ABSOLUTELY INCORRECT. I NEVER WENT TO COLLEGE, I NEVER HAVE HAD A STUDENT LOAN AND I HAVE DISPUTED THIS SEVERAL TIMES OVER SEVERAL YEARS.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft I've been XXXX  for 15 years .I was XXXX  in 2021 I tired to start my life and I can because someone used credit, I can't start my life
Product: Credit card or prepaid card

NOTE : ADDENDUM TO CASE # XXXX Re : Addressing the mishandling and suspected unfair, coercive, and deceptive practices of Bank of America in violation of consumer protection.

In addition to my original complaint explanation, the following is to be included. 
A final response from Bank of America occurred in late XXXX which to date CFPB was unaware of when I contacted them. The Bank representative stated that she was calling to inform me ( 4 months later ) that my late fee would not be refunded because your statement was mailed to your address and she repeated my address to me to validate her claim! This was the 5th Bank employee that read the scripted response AND each one telling me that the way to prevent this from happening was to receive online statements. I know I never received the statement and I told each person I didnt and that I dont want online statements. This was the common theme from Bank of America ... .online statements. 
I restate that I have never been late with a payment. My credit history speaks for itself. I paid the balance immediately over the phone. I never received a statement. And it is obviously a red flag that a one time courtesy was not offered! Since my original filing with CFPB, Bank of America has sent out an email to its clients warningin essence that the US mail system could greatly affect banking transactions. The defensive approach by the bank is personally apparent regarding my complaint and smacks loudly of coercion. 
Now : I offer below photos of deliveries and mail I received at my address in the past four weeks that were delivered to the wrong address. Four pieces of mail there were not mine, a sympathy vase of flowers for some grieving family, a meal order that was someone elses dinner, and to top off all the mail/package delivery errors ... a packed-in-ice case of my husbands XXXX  that was delivered two streets away! 
For Bank of America to stand haughtily in the way of what is fair and right claiming because they mailed the statement and i therefore received it, is something that needs further investigation to determine whether there is a pattern of enticing consumers to enroll in online statements.
Product: Credit reporting or other personal consumer reports

Comenity Bank/Victoria Secret is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that Comenity Bank/Victoria Secret deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account # XXXX updated with a delinquent status of " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ''. or " 30-59 Days Past due '' This update took place after 7 months since the account was paid to XXXX and closed. The account was paid to zero with a payoff check which was issued and dated and processed by XXXX. 

XXXX received the payoff check prior to the months due date at the initial week of XX/XX/2021 which was confirmed by the dealer. 

i spoke with XXXX twice between the ending of XXXX, well into mid XXXX and confirmed the dealership in which the check came from. These calls were recorded and I still retain a photocopy of the check issued to XXXX XXXX which also has the issue date and mailing date attached. 

However, to my dismay XXXX took over a month to process the payoff check and now 7 months later falsely changed the status. This account was never paid late. Furthermore, this account was paid in full by XXXX of 2021 and is falsely reflecting a 30 days late and the closing date as XX/XX/2021. 

The account was closed in XXXX of 2021 and paid in full and NEVER late.
Product: Money transfer, virtual currency, or money service

A hacker has been impersonating me, sending emails from my business email account and requesting that my clients and vendors send payments directly to their Chase Bank and XXXX accounts. 
I have been in contact with Chase Bank multiple times and they are not doing anything to help. 
Hacker is acting as my business and asking that clients and vendors make payments to the XXXX bellow accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Account Number : XXXX Routing Number : XXXX Name on the account : XXXX XXXX ( not sure of spelling ) Phone number listed by hacker : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Kindly review the attached documents. I urge the bureau to investigate these accounts, falsely reporting me as late despite my impeccable payment history.
Product: Credit card

I am writing to file a formal complaint against Capital One regarding the recent closure of two credit card accounts, which was the result of a returned payment. I am seeking assistance in resolving this issue, as I believe that the account closures were unfairly initiated due to an honest mistake on my part and do not reflect my usual pattern of responsible account management.

Issue Description : I made an early payment on my first Capital One credit card account that exceeded the minimum required payment. However, I neglected to cancel the auto-pay feature on my second account. As a result, when the auto-pay attempted to process a second payment later in the month, I did not have sufficient funds in my account, which caused the payment to be returned.

Although I understand that returned payments may result in fees and other consequences, I was surprised to learn that Capital One chose to close both of my accounts due to this one returned payment, despite my history of making timely payments. I have been a customer in good standing with Capital One for 1 year and have made payments every month.

Background Information : I have a history of making payments every month to Capital One and have maintained both accounts responsibly until this issue arose.

The returned payment was not intentional, and I have already made efforts to correct the oversight by contacting Capital One 's customer service ( reference any communication with them here if applicable ).

I would appreciate Capital Ones reconsideration of the account closures, particularly given my longstanding positive relationship with the company.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of urgency regarding late payments that have been inaccurately reported on my credit account under your bureau. 

Upon reviewing my credit report, I have identified instances of late payments that I believe to be inaccurately reported. I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the integrity of my credit history. 

I kindly request that you investigate and, if necessary, correct or remove the reported late payments from my credit report. I believe that these inaccuracies do not reflect my true financial history and are adversely affecting my creditworthiness. 

XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXXXXXX. customer service representative. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

I am confident that your organization values accuracy and fairness in credit reporting. Therefore, I trust that you will take prompt action to rectify this situation and ensure that my credit report accurately represents my financial responsibility. 

I appreciate your attention to this matter and request a written confirmation of the corrections or removal of late payments from my credit report within 15 business days from the date of receipt of this letter.
Product: Mortgage

I was in the process of completing my home purchase through Newrez LLC I had closing date of XX/XX/2022. On XXXX XXXX Newrez fired their entire XXXX office in the middle of processing. My loan was being processed using down payment assistance programs and Newrez had one person in their XXXX office that processed these loans and he was terminated with the rest of the office. They have no one that is certified to complete this process and I am now going to loose the house I was in the process of purchasing. I have no recourse, they will not return phone calls they are giving me the run around and I will be homeless in 3 weeks. The loan officer XXXX XXXX, has been willing to complete the process but they have no clue what they are doing or who is even doing what. There are 100 's of other clients that are in the same process. They were literally awaiting paperwork to cut a check. Someone needs to complete the process of my home loan and to stop giving myself and everyone else in this process the run around.
Product: Student loan

I made the mistake of attending XXXX with the hopes of obtaining gainful employment. I was lured in with falsified statistics that I would be one of many students who gained employment and could improve my life. Instead, I am saddled with a loan that seems impossible to pay and am now unemployed. Upon learning about XXXX, I was contacted by one of their XXXX XXXX and next thing I know I'm signing documents thinking I'm taking a step towards improving my future. When in reality I set myself so far back financially that I would not be able to make a spare dollar for another 5 years with a market rate job which I am having trouble obtaining. My issue lies with XXXX. I have put in hours upon hours honing my craft and relentlessly applying to jobs, all of which have left me empty handed. The education while informative was an absolute joke. XXXX made false promises in the hopes of luring desperate students to bleed them dry. I saw in the media that XXXX is being forced to forgive XXXX holders due to XXXX 's predatory practices. This is a start, but there are students such as myself who have the same amount if not more in the form of a hefty loan. We are left high and dry. We were in the same predicament as those with the XXXX  and are left with no relief.
Product: Credit card

Kindly review the attached documents. I request the bureau to begin an investigation into these accounts, as I am never late with payments, but they are incorrectly reported as late.
Product: Credit card

OnXX/XX/2022 a charge was made on my Goldman Sachs Apple credit card for {$660.00}. I disputed the charge soon after because I had made no such charge. Some time later they determined that the charge was legitimate so I spent upwards of 5 hours on the phone with Apple Card customer service and Goldman Sachs and Apple customer service to attempt to locate the charge. The charge is listed to have been made with Apple Store but there is no history of any purchases made by me at any Apple Store or online. That was confirmed by Apple customer service who were unable to find any history of the charge existing at all. Since that initial dispute in 2022  Goldman Sachs has determined that the charge was legitimate and I am responsible for it. I have continued to dispute the charge but am unable to change that decision. Goldman Sachs has not given me any information about the dispute decisions.
Product: Vehicle loan or lease

My vehicle was repossessed, I paid the bank {$1700.00} for the lot XXXX  XXXX which was vended out from XXXX XXXX XXXX to return my vehicle, I have not been able to get in touch with these people to get my vehicle back and the bank refuse to give me my money back because supposedly this money is owed on the loan. I've missed five days from work with no pay and counting... I need my vehicle to get to work or my money back with loss of wages I also tried refinancing the vehicle with PNC Bank but was denied due to credit issues... Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, wherein my personal identifying information was used fraudulently without my authorization or consent. This incident occurred on or around and was discovered by me on XXXX of XXXX. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that it be deleted from my credit file immediately. Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$15000.00} Company or Organization : XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$730.00} Company or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Company or Organization : XXXX XXXXXXXX XXXX  Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1200.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXXr XXXX   Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Automotive XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Medical bill disputed with provider was sent to Financial Data Systems. Have made repeated attempts to contact this company in regards to bill. Can not get a response in any form. Have disputed the hit on my credit with XXXX and XXXX and disputes get kicked back as dismissed with no contact from the collection agency or anyone representing them to give me information to resolve the debt. At this point my credit is being negatively affected by a collection company that will not do the basic minimum required to settle the debt beyond continually holding the debt and not communicating. It goes without saying if i can not communicate and establish any type of payment or get a response how is it remotely fair to continue to keep hitting my credit for this debt. After the 4th dispute for lack of communication I assumed someone would have at least emailed, called or sent paper mail in regards to the debt. It is asinine to have to be held over the fire by a company that does not do the bare minimum legal requirements for debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX & XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$8800.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open XXXX in Dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX