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

On XXXX XXXX i requested a credit increase with capital one and was denied due to my usage being low. Applied again XXXX XXXX and received the same message after using the card. XX/XX/2021 i made a payment with a new Checking account and used the wrong account number which caused the payment to return, that same day i updated the account number and made the payment. Now that my limit has increased, the reason i am unable to receive and credit limit increase is due to simple mistake! Ive been with caption one for 8 year and i have never missed a Payment or had a return payment before. I called capital one XX/XX/2021 to have my file reviewed and reconsidered, however NO ONE was able to assist me and the first person i spoke with was extremely rude, i request to file a complaint. Filing a complaint with capital one means nothing!! No one is supposed to follow up with the customer to make sure my concerns were heard and there is no confirmation number to confirm the complaint has been submitted.Overall, the system reviews the information and thats that!!!! I am purchasing a home and i need a larger limit to purchase items, i have 2CC and a auto loan that i will gladly close and take my XXXX years of business elsewhere if this is not resolve.
Product: Credit reporting or other personal consumer reports

I would like you to remove all these inaccurate accounts some credit bureaus have entered on my credit report. I never authorized them nor anybody to add these incorrect and misleading items on my credit report. I kept on contacting their department since the month of XXXX  and they never even bother to give me the resolution I needed. I kept disputing these accounts ( see attach letter file ) and still I have never received any progress with my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never given contract. Investigation has taken over 30 days. All accounts must be deleted.
Product: Payday loan, title loan, personal loan, or advance loan

I was offered a loan from XXXX XXXX and I decided to decline the loan do to the fees such as withdrawing the funds. I was later informed the withdrawal fee would be reduced if I agreed to take the loan. I did so and on the first statement after making the initial withdrawal, the draw fee was charged for {$460.00}. After contacting the company the refunded the {$460.00} but they applied it as an interest payment and not back to the principal which would reduce my overall remaining loan. I contacted XXXX again and they refunded {$480.00} and then billed me {$510.00}. After refunding the interest payment they Date Amount Type XX/XX/XXXX {$480.00} One-Time payment ( Refund ) XX/XX/XXXX {$510.00} One-Time payment Prior to this, the loan was paid in full in XXXX as illustrated XXXX I should not have been charged the {$510.00} XX/XX/XXXX {$5000.00} One-Time payment XX/XX/XXXX {$670.00} One-Time payment XX/XX/XXXX {$480.00} Recurring payment This loan was paid off on XX/XX/XXXX and there should have not been another charge of {$510.00} which XXXX deducted from my bank account. I have spoke with Headway in detail about this matter and each time, the representative tells me it will be raised to a manager and the issue is not resolved. In fact I have been charged more than what the draw fee of {$460.00} with the last charge of {$510.00} in XXXX, 2 months after the loan was paid in full.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XXXX balance {$700.00}, XXXX XXXX {$570.00}, XXXX XXXX  XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. No consent is Identity Theft. I sent a dispute letter informing you of inaccurate information on my credit report over 30 days ago ( attached ). As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. XXXX and XXXX have removed these accounts. Enclosed with this complaint is the true bill documenting the violation of the following accounts. Remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account had not been late on payments. The account on my report : [ XXXX ] XXXX XXXXXXXX XXXX Account number XXXX LATE PAYMENT XX/XX/year> Date opened XX/XX/year> [ EXPERIAN ] XXXX XXXX XXXX  LATE PAYMENT XX/XX/year> XXXX Date opened XX/XX/year> [ XXXX ] XXXX XXXX  LATE PAYMENT XX/XX/year> Account number XXXX Date opened XX/XX/year> Is showing the date of late payment as XX/XX/year> I'm now requesting you investigate and provide verifiable proof, with records, showing that I had a late payment. If this information can not be verified, I demand these payments be updated to paid on time immediately. 

Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 : A online wire transfer was initiated in the amount of {$9500.00} from the Bank of America website from our small business XXXX account, to our charity recipient in XXXX. There had been 30 successful online wire transfers to this recipient before from Bank of America. 

XX/XX/2023 : The wire transfer failed this time and the money was returned to our Bank of America account. This appears to have been a glitch in the XXXX banking system that the recipient is a part of. The recipient was made inactive in the Bank of America website due to this. 

*Issue* : We can't reactivate/delete this recipient, to reattempt the wire transfer again. We have contacted Bank of America multiple times since the wire was returned in an effort to reactivate/delete/readd the recipient but no one at Bank of America seems to have a clue on how to fix this. The various Bank of America departments that we are shuttled across every time we call are " Online Banking '', " Business Banking '', " Wire Transfer '' - and despite numerous calls & online chats with Bank of America representatives - they just keep transferring the calls to another department. We have been going in circles for over 6 weeks now, including 2 calls done today, XX/XX/2023. 

Please help in escalating this to the right levels in Bank of America to resolve this issue so we can send another wire to this recipient - otherwise we will have to look for Banking services elsewhere.
Product: Checking or savings account

On XX/XX/XXXX and XXXX I was a victim of identity theft. Someone got a hold of my personal information and started making transactions through the XXXX app. They also used my debit card to make purchases at XXXX. The amount transferred through XXXX was {$4500.00} and the transactions at XXXX totaled to {$1400.00}. On XX/XX/XXXX I noticed my account being debited to negative amounts, I called to file a claim of fraud activity on my account. On XX/XX/XXXX after speaking with a few employees from Citizens Bank explaining my situation I was finally allowed to file a fraud claim to retrieve the money that was taken from me, both from XXXX transfers and the XXXX purchases. On XX/XX/XXXX I received a determination letter from the Citizens Bank fraud department stating that they can not credit the money back into my account because there is evidence that I was the person making the transactions which is not true, I am a victim of identity theft. Upon further examination of the letters I realized that the claim I put in over the phone for the XXXX transactions was not even processed and I only got a determination for the XXXX transfers. Upon receiving the determination, I called to re-open the claim and to see any documentation that led to the decision made. I was told that someone would call me and go over the evidence and see if they could do anything to help right after I re-opened the claim, but nobody called. The employees at Citizens Bank literally left me stranded. Instead of taking responsibility and following their own terms and conditions they made personal judgment and decided not to help me initially as if they were trying to cover something up. I think they initially decided not to file my claim for the XXXX purchases then waited to send me a determination knowing that I have 14 days to file a claim of unauthorized activity. The date on the letter says the XXXX of XXXX but I received the letter on the XXXX of XXXX it does not take 7 days for a one-page letter to go through the mail. This conclusion has brought me to CFPB to settle my dispute.
Product: Credit card or prepaid card

On XX/XX/2019 I logged onto my XXXX XXXX XXXX credit card account online to see if there was a bill due to be paid. My account stated that the amount of {$260.00} was due on XX/XX/XXXX so I went ahead and paid that amount. No where on there did it state that I was making an early payment if I paid on the day the bill was posted. I did notice when I was checking to see if my payment posted that a new balance of {$250.00} was due but I had clearly made the payment that was on the statement of {$260.00} which showed paid. So today which is XX/XX/XXXX I was charged a late fee of {$27.00}. I called and explained my situation and was told unfortunately because I made a proactive payment there was nothing they could do. I ended up having to dispute it. I spoke with someone named XXXX, who said it could take weeks to resolve and in the meantime I had to pay the {$250.00} or It would look as if I didnt pay my bill. I dont understand how they are legally aloud to post an amount due and a due date and when a customer pays they can say its a proactive payment!
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act Northwest Savings Bank ; Account XXXX XXXX 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting into XXXX XXXX and Transunion inaccurate information that was removed from my XXXX report due to Identity Theft in XXXX XXXX XXXX XXXX XXXX. I was denied housing on XXXX XXXX XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
Product: Credit reporting or other personal consumer reports

After speaking with EQUIFAX regarding an extended credit lock verification placed on my credit profile which prevented XXXX XXXX  from processing a card conversion and costing me {$95.00} dollars in annual fees, I was informed that for them to remove such lock/alert on my profile I would need to submit documentation for them to review and process. 

I was given their XXXX, Georgia XXXX XXXX XXXX and was told it would take 5-7 business days after receiving a copy of my driver 's licence and social security card for them to complete my verification. Such letter and documentation was sent to them on XX/XX/XXXX through the USPS. On XX/XX/XXXX I tried to get my credit card issue sorted out with XXXXXXXX XXXX, and I was told that they could still not access my credit profile. I was then transferred to speak with an agent at Equifax. 

I asked if they had received my documentation, and after a few brief moments I was told that they did not get anything and that I would need to send it again. On this same date, I re-printed my previous documents and the letter was picked up by USPS on XX/XX/XXXX. It's since been 9 full business days and I called EQUIFAX again regarding my documentation, only to be told once more by their agent and then a supervisor that they did not receive anything and I would need to send everything again for a 3rd time.

I pleaded with them for alternative methods of processes such as a secure fax or online portal where I could upload my documents, and EQUIFAX seems to be stuck in the XXXX, and I truly question their business practices that seem to be run by the most incompetent people in this modern age. Everytime I sent my personal information and social security copies through the mail, I am being exposed to even more changes of becoming a victim of identity theft, something EQUIFAX clearly does not care about, given all their data breaches.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing frustration and disappointment with the persistent issue of late open accounts associated with my account, despite my prior attempts to address and rectify this matter. 

I previously communicated my concerns, outlining the numerous attempts I had made to resolve the late open account issue. Regrettably, the matter has not been adequately addressed, and the problem persists, causing considerable inconvenience. 

I would like to recap the previous attempts made to rectify the situation : Initiated contact with your customer service department to inquire about and address the late open account. 

Follow-up communication with customer service after the initial inquiry did not yield a satisfactory resolution. 

Submitted written documentation and supporting evidence to demonstrate the discrepancy in the open account. 

Escalated the matter to a supervisor or XXXX within your organization, seeking a more authoritative intervention. 

Despite these efforts, the late open account issue continues to persist, and it is disheartening to note that my concerns have not been adequately addressed. This situation has not only impacted my trust in your company but has also affected my financial stability and overall satisfaction as a customer. 

I understand that issues XXXX arise, but the lack of resolution and communication regarding this matter is unacceptable. I kindly request your immediate attention to this ongoing problem, with a commitment to resolving the late open account issue promptly. 

I expect a thorough investigation into the root cause of this problem and a comprehensive response outlining the steps your company will take to rectify the situation. Additionally, I request transparent communication regarding the timeframe within which I can expect a resolution. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues to seek redress. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00}.
Product: Money transfer, virtual currency, or money service

I think Paypal is an unfriendly application. My Paypal has been permanently restricted, but Paypal never gave me the reason for the restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documents for removal on report for  XXXX   XXXX . After filing complaint with the CfPB, they were supposed to be deleted.  XXXX  and  XXXX  have complied with deletion. Experian refuses to delete   XXXX    XXXX  ASAP.
Product: Credit reporting or other personal consumer reports

II have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This mean that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. such as fifth third bank, XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX XXXX Account XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish an account without my written instruction
Product: Mortgage

My mortgage was in forbearance due to covid 19 and this company reported late payments from XX/XX/2022 thru XX/XX/2022 i treid to talk to them multiple times that we were in forbearance and no luck with them, they claim from XXXX it was not in forbearance i attached 2 statements that shows that it was in forbearance
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$280.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$200.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unauthorized
Product: Debt collection

I had 2 health service debts for collection on my credit account amounting to {$40.00} and {$30.00} from XXXX XXXX issued on XX/XX/XXXX. I tried contacting the hospital but they had no record of it in their system. So I contacted the debt collection agency ( Simon 's Agency Inc. ) and paid the full debt owed and cleared my account on XX/XX/XXXX with verbal verification from them that the collections will be cleared from my account in 30 days or less, but it never did and the negative impact from the collection is still on my account.
Product: Credit card

I have the balance on my card for a year and the amount owed has not come down at all. I think this is robbery and illegal. I am making a formal complaint because this is fraud. To charge a customer to use an account and have them pay you back is bad customer service.
Product: Student loan

I have the same qualifying PSLF employer since XXXX and have submitted Employer Certification Forms Thru XXXX. My student loans are all consolidated with a unified disbursement date of XXXX. Never in default or nonpayment- either payment with a wrong qualifying payment ( as advised by my loan servicer ) or in extended ( +36 cumulative forbearance as advised by my loan servicer ). I have only been credited for 2 PSFL payments. This gross delay ( almost a year ) in publishing ACCURATE payment counts is causing undue mental stress and harm. Can not something be done to receive an accurate count? I firmly believe I am at the 120+ payments on my XXXX student loans.
Product: Credit reporting or other personal consumer reports

Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX XXXX  several times already . I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from XXXX  XXXX  to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is currently closed. While I was impacted but COVID I was on a forbearance qnd they still reported missed payments. Was told these late payments would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that the info was wrong on my credit report on XX/XX/2021 and I have yet to receive a response. I been trying to work with the bureaus to check on my report about the inaccurate and unverifiable accounts. But now I feel ignored and upset about the lack of response. I regret that I am being forced to take such action, but I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been submitting multiple disputes to these companies since XX/XX/2022, and they have not addressed the accounts that do not belong to me that are continually reporting on my credit report. 

They have continuously " updated '' the accounts. Their website results are the same and their online system doesn't allow me to submit any more disputes regarding these fraudulent accounts that don't belong to me. 

I have called the credit bureaus regarding the accounts that are not mine and their response is the same, " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have requested a copy of what these companies have provided to them that certifies these accounts belong to me, but they won't release such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt RElief has taken over {$4000.00} from me - charged me over {$2000.00} in fees. They also kept changing my withdrawal dates without telling me causing NSF fees to post to my account and make me go negative. They were not clear on what I was getting into. I had to fight to get them to cancel my program ( asked for months ) and only then did I see the outrageous fees.