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

On XX/XX/year> I was checking my credit report and discovered 2 hard inquiries which I did not recognize and do not authorize and dont have any accounts with them, I contacted equifax to investigate this matter and delete this information. They ignored me and did not investigate Unauthorized inquiries from : XXXX
Product: Credit card

On XXXX XXXX, I made a payment in the amount of {$75.00} And had available credit of {$48.00} and had rewards points {$13.00} that as of XX/XX/year> have disappeared and have made {$1000.00} in payments this month and have been overcharged in interest my {$75.00} not added to my available credit and {$48.00} available credit is gone and rewards. 

Payment was made XX/XX/XXXX bot XX/XX/XXXX and my funds have not been applied before the billing cycle which should have gone toward my available balance.
Product: Student loan

I contacted XXXX XXXX to pay off my entire loan in 2005. However, they refused to give me an exacted pay out and suggested that I make the monthly payments.
Product: Debt collection

Midland Funding LLC hired XXXX, XXXX, XXXX XXXX XXXX to serve me with a Civil Warrant on a credit card debt that is over 8 years old. Now we have a court date set for XX/XX/2017.
Product: Money transfer, virtual currency, or money service

Im attaching all the documents to help you understand that on Saturday XX/XX/XXXX I was drugged and my phone got stolen. All my accounts have been compromised which is why the thieves had access to my accounts and changed the pw. ALL XXXX transactions to XXXX on XX/XX/year> were not made by ME ( including the ones XXXX to XXXX on XX/XX/year> ). I had to do the same thing for XXXX XXXX since these bank accounts were correlated. That is why you see the XXXX  to XXXX on XX/XX/year>. They were trying to wipe out my account completely. 

Look at those times stamps in the documents when I went missing and when all the activity was taking place. Why would I do those transactions myself at those hours in the morning? And everything at once!

I had no way of getting access to my phone since they changed everything. Until I got back in the states and bought a new phone, getting my old phone number back. Thats when I was able to see all the texts the thieves used to verify the transactions. Please help me.
Product: Debt collection

SOMEONE OPEN UP A XXXX XXXX ACCOUNT IN MY NAME, I NEVER HEARD OF THIS COMPANY I FINALLY DID A XXXX SEARCH AND IT APPEARS TO BE A WOMAN STORE, CATALOG. I NEED PROOF TO VERIFY AND SHOW THIS IS NOT MY ACCOUNT. WHOEVER CALLED IT IN HAD TO BE A FEMALE AND THE ADDRESS IT WAS SENT TO .AND ANY FORM OF PAYMENT THAT WAS USE TO MAKE PAYMENTS. I DID NOT OPEN THIS ACCOUNT UP NOR DID I AUTHORIZE ANYONE TO USE MY NAME AND INFORMATION.SOMEONE STOLE MY INFO AND ORDERED IN MY NAME, I AM ASKING FOR MORE INFO OR PROOF TO SHOW THIS IS MY DEBT OR REMOVE FROM MY CREDIT REPORT. I HAVE BEEN XXXX FROM XX/XX/XXXX TO XX/XX/XXXX IN ALABAMA XXXX  XXXX XXXX PLEASE FEEL FREE TO VERIFY. WITH XXXX .PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ] [ XXXX ] [ XXXX XXXX [ XXXX ] [ EXPERIAN ] To whom it may concern, I just recently looked at my credit report and noticed that some accounts have late payments during COVID-19. However I talked to these creditors below and I should not have any missed payments. 

Account Name : XXXX XXXX XXXX  XXXX  Amount : {$1100.00} Reinvestigate and update payment XXXX XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$580.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$1700.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Please cease and desist all calls and contact with me, immediately. 

When asking for validation from XXXX XXXX and EXPERIAN they denot that the changes are updated and has been verified when in fact XXXX XXXX XXXX XXXX and others has fraudulent reportings such as claiming to be the original creditor when I have no sign documents/agreements and therefore I owe {$0.00} to this company and have been asking for 3 years for this wrong/inaccurate information to be DELETED/REMOVE PERMANENTLY ASAP according to 15 U.S. Code 1692g and 1692e of the Fair Debt Collection Practices Act ( FDCPA ) prohibit debt XXXX from making false or misleading statements about debts or their role in collecting them. This includes falsely claiming to be the original creditor.
Product: Credit reporting or other personal consumer reports

As of the latest information available, this collection account with XXXX XXXX XXXX has been successfully removed by both XXXX and XXXX, and it is imperative that my credit report remains accurate and consistent across all three major credit bureaus. 

I have the right to ensure that the information on my credit report is factual and up-to-date. The discrepancies between the credit reports from Equifax and the other two major credit bureaus are causing undue harm to my credit standing and financial reputation. I request that Equifax takes immediate action to delete this collection account from my credit report, as it has already been confirmed as inaccurate and has been removed by the other credit reporting agencies. 

In addition, this is a formal cease and desist letter barring Equifax from continuing to publish this incorrect information on my credit report. This also means that this account has to be deleted because a credit report serves a communication medium as well as stated in XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Twice in the last week, Wells Fargo has made me change my online username and password ( which accesses two checking accounts, a credit card, and a student loan ), without explanation for why. I spent 30 minutes on the phone today, including with a supervisor, who said it could be anything from a pattern they see in my username, to " outside information '', or to someone actually accessing my account. She refused to disclose which category my issue has fallen into ( but would acknowledge I have a " case '' open in the investigations department ), which is neither helpful nor appropriate : if someone is somehow accessing my account, I need to know, so that I can discover how and properly protect my devices and other accounts. <P/>It is my account, I have the absolute right to know what is being done to it and why. The fact that I use a VPN ( with IP addresses within the United States ) and a password manager for my enormous and complex password should not restrict access to my account, yet I somehow feel this may be the case. <P/>This is simply the latest in a pattern of behavior from Wells Fargo under the umbrella of " fraud detection. '' They froze my cards just two months ago because I was three hours away from home -- within the same state -- and they determined this to be " fraudulent '', even though there was a trail of spending from home to my previous location to the location at the time the cards were  frozen. <P/>I do n't want Wells Fargo making unintelligent decisions on my behalf, I do n't want them determining what are and are not valid transactions, and I do n't want them pretending they know better without explaining why/how.
Product: Bank account or service

A previous complaint was filed. CFPB Complaint ID : XXXX. Capital One Case Number XXXX. XXXX XXXX asked to reach out to her. We did through the local bank. The local bank officer called her while we were there and left a message. No responce from XXXX XXXX. Because there was XXXX of dollars transfered without authorization from our mother 's account the local police and sheriff have subpoened the bank statements. They know who transfered the money and have copies of the statements the bank provided us last year. It took the bank one day to print them last year. XXXX XXXX [ XXXX ] is who handles subpoena request for Capital One. The police and sheriff need the statements from the bank to pursue the individuals who took the money.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX Balance : {$490.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX Balance : {$490.00}
Product: Debt collection

I had ONE outstanding medical bill from a XXXX which as sent to Online Information Services. However, instead of reporting ONE account outstanding, they divided the accounts into several balances based upon the service dates and report 5 separate accounts to the credit bureaus. This should not be legal, this is tantamount to a credit card company putting a collection for every point of sale you used the card!!

I reached out to OLIS ( XXXX ) to request they combine these items to one balance as it was at the original creditor. She refused this request. Having 5 delinquent accounts is adversely affecting my credit score and I have been denied credit due to this.
Product: Debt collection

Military Star Card contacted my military command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. XXXX XXXX, a Customer Response Technician responded by saying " Hello XXXX XXXX, Thank you for contacting the Exchange Credit Program. To address your concerns, on XX/XX/2023 you were mailed a letter referencing the past due status of your MILITARY STAR account. Please review the attached document. If your account is past due 3 or more payments, this reflects a delinquent status. Therefore, a system generated letter will automatically be sent to your Unit Commander ''. This is a clear violation of 15 U.S. Code 1692c ( a ) ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Bank account or service

I was studying abroad in XXXX. During my time I was at a club XXXX night and my debit card was stolen out of my wallet and was charged about {$1500.00} XXXX dollars. I filed a claim to Chase right when this happened. They initially refunded me the money that was stolen from me and XXXX weeks later they claimed the transaction was correct. I have tried multiple times to work with them. I followed all requirement s to submit the claim and they continue to tell me it was correct. They state I had signed for it and I had them mail me the receipts of my signature and the signature is not mine. I even went into Chase and provided them with my signature, my passport signature and license signature to show them the signature does not match. They continue to tell me the charge is correct when it was not. I called numerous times and sent them numerous letters to handle this and they continue to tell me the charge was authorized by me when it was n't. I have provided photos of emails I sent them, the police report I filed and the letter I wrote to Chase.
Product: Credit reporting or other personal consumer reports

I urge you to review this complaint carefully, as it was submitted with full intent. My credit report contains mixed and inaccurate information, and I have repeatedly noticed an unknown account, transactions, and items that I do not recognize or have any affiliation with. This ongoing issue is deeply concerning and has caused me significant stress and frustration, I should not have to deal with the consequences of inaccurate reporting and mix ups.
Product: Mortgage

Mortgage refinance application submitted to lender. 
Letter from lender dated XX/XX/2020 'Notice of Action Taken Counteroffer ' states " unable to offer you credit on the terms or in the amount you requested ''. Included in this letter was a statement that my credit score was XXXX, created on XX/XX/2020. " Scores range from a low of 390 to a high of 839 ''. 
This letter referenced a counteroffer which was verbally discussed with bank management. The terms of the counteroffer were refused. 
A letter was sent dated XX/XX/2020 requesting Statement of Specific Reasons ; no response received. My telephone records indicate that bank management contacted me in early XX/XX/2020 to discuss this letter at which time I reminded them that a response was due by XX/XX/2020. 
Various documents are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}.
Product: Checking or savings account

On XX/XX/2022, I wrote a letter to the Office of the President, Capital One Bank. Two forms of picture identification and additional documents to verify my identity. 
I submitted check verification letters for all five deposited checks to The Office of the President, Capital One Bank. 
On XX/XX/2022. Executive Complaint Case Number : XXXX. Letter from XXXX XXXX, Office of the President, Capital One 360 Bank. 
The letter tells me that no matter how many identity documents I submit, Capital One Bank will never accept any identity documents I offer. They will never believe I am who I say I am. 
The five letters of check verification I submitted were all forgeries, and all five checks that I deposited were in my name are fraudentelt, and I never owned them. 
Capital One 360 Bank will permanently restrict the funds in my account, and the banking relationship between myself and Capital One 360 Bank has been terminated.
Product: Credit reporting or other personal consumer reports

Credit karma partner with XXXX if you open a account with credit karma you will have a greater chance to apply for a refund advance I did the account was closed without my acknowledgement my credit karma card was stolen and used without my consent and credit karma did not help try to get my funds back they kept saying I never had a account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX on XX/XX/2020. I was approved for a credit card through, XXXX XXXX. A letter was sent to my house several days later explaining my credit score and how the line of credit was established. On the letter, my credit score from Experian Credit Bureau was recorded as XXXX on XX/XX/2020, the date of the application. 

This information is incorrect. I tried several time on XX/XX/2020 and XX/XX/2020 to resolve this issue. Each time I asked to speak with a manager, the phone call ended. My credit score is near XXXX, I checked this information on XX/XX/2020. I am puzzled, why the credit bureau would fabricate in accurate information, jeopardizing my credit report. 

Please assist me, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters XX/XX/XXXX and then sent a 30 day demand to comply letter and still havent got anything back. I sent to all 3 credit Bureaus
Product: Credit card

I am starting this complaint so that I can dispute any hit to my business credit score. Out of nowhere, XXXX XXXX decided to cancel my Paypal business card for no real reason. This was at a time when I was going to make a bulk payment for my first trip out of the state. I was going to take only this card and nothing else. How great it is that I happened to see the email or I would have been stranded 3 hours away without gas or the ability to get a hotel ; absolutely nothing. Therefore, I am not going to make a bulk payment. I was going to pay that and then use for whatever other necessary purchases I had. Suddenly, now I am nervous and I am not making any bulk payments on any credit cards anymore. If I can't pay it in full, I'm only paying the minimum. The last thing I need is to pay a credit card off expecting to use it, only to find that the card was cancelled without my knowledge when I am away from home. Every payment was made on time until this happened. I have been trying to log into the links they have sent me for weeks to pay my bill but never have been able to. I have the email chain on hand in the event that they try to hurt my credit score. The only reason the bill has not been paid is that they made it impossible to do so. I don't believe they did this intentionally, but unfortunately, the due date was normally yesterday and I still have not paid it because it says that my account no longer exists. I don't want that interfering with any of the other credit cards and loans on my personal side because I really need access to all of that right now. I have been pre-approved for several things that I may need in the near future and I do not need ANYTHING interfering with that. I recognize that I am rebuilding my credit and trying to rebound, but none of my payments have ever been late. I was in the process of snowballing several but now I think I should be careful even with that too.
Product: Debt collection

Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct banking transactions and is harming my consumer report. Selling my Personal Information without my written which is a violation of my privacy. Debt does not belong to the Consumer XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX of the people whose data " was probably at risk '' according to Equifax. I placed a freeze on my account just because of this. Now I get a letter dated XXXX XXXX, XXXX from Equifax stating that there are now charges for unfreezing and refreezing. This would not be necessary, if they had taken better care of my data. I do not believe I should be paying XXXX per instance when I want to use my credit.
Product: Credit card or prepaid card

My son, XXXX XXXX, has been XXXX for a number of months & was, most recently, moved from NC XXXX hospital to a facility in suburban XXXX in order to be closer to his family. My name is XXXX XXXX. I am XXXX father as well as his attorney. I am also named as his agent under a Durable Power of attorney. We are currently in the process of cleaning up his affairs & making sure his bills are paid up. One of the few items remaining is a Capital One credit card # XXXX XXXX XXXX XXXX. All I want to do is pay off the card. To the best of my knowledge, the card has been cancelled for non payment. I have spent countless hours on the phone, have sent multiple memos including a copy of my POA & have become extremely frustrated. For what it is worth, some of the supervisors, not all, have been very rude. In my latest conversation, I am being told they want information about me that I feel is inappropriate. For example, they want my date of birth, social security number, proof that I am not a non resident alien, drivers license & gross annual income. ALL I WANT TO DO IS PAY HIS BILL. They finally said I could make a payment but could not tell me how much. I find it ironic that my complaint is I ca n't pay off the card. XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is has inquires on my credit file that I did not give any authorization too. I disputed the inquires in a later XX/XX/2018. They did not remove any of the items that I did not authorize.
Product: Debt collection

I am writing to dispute the accounts listed on my credit report under my social security number as fraudulent. I am a victim of identity theft due to multiple data breaches that have occurred since XXXX. Furthermore, I did *not* authorize these accounts, and I believe it was opened using my personal information compromised in these breaches. 

Negative Accounts XXXX XXXXXXXX XXXX Account Number XXXX Closed Date XX/XX/XXXX Open Date XX/XX/XXXX Account closed at consumer 's request XXXX XXXX Last Updated XX/XX/XXXX Worst Delinquency 90 days past due Closed Date XX/XX/XXXX Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Account closed by credit grantor XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Account Number XXXX Account closed at consumer 's request XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX