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

I was in a forbearance plan on my mortgage with XXXX in 2020. Per the Cares Act the mortgage was not to be reported late. I have no reported lates for 2020 on XXXX or transunion. The Experian report shows no lates until XX/XX/2020. The month I paid off the mortgage. I have called XXXX and get no response after putting in a complaint. I have disputed with Experian several times and each time a new error pops up. I have been denied a mortgage due to this error. Im told my report shows my payment is $ XXXX per month. Experian refuses to fix any errors and neither does XXXX. Im being harmed financially waiting another year to buy will put homes out of reach for me.
Product: Credit reporting or other personal consumer reports

Everytime I try to apply for Credit they say my XXXX  score is XXXX Im like I dont even have a credit score let alone credit I never use credit my credit report has no open credit or accounts everything is XXXX in my credit report
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX XXXX XXXX XXXX had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from Transunion, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

a. invalidated debt, debt has been invalidated b. contract has been cancelled XXXX the length the collection has been on the credit report has been exceeded XXXX and Experian have added a collections account from XXXX XXXX XXXX to my consumer reports. This account does not belong to me and is causing adverse action while also defaming my character. Once again the consumer reporting agencies did not do their due diligence in exercising their grave responsibility in verifying anything before placing it on my reports. They were partial and unfair. They assumed a role which no one gave them permission. 
see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Financial has it listed in my credit report as a home improvement loan, this is not the case. i m not the homeowner and need this removed from my credit file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This particular account is undoubtedly placed as a charged-off account, why is there a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it with XXXX or eliminate the account certainly. 

XXXX XXXX Balance {$580.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Around XX/XX/XXXX or XX/XX/XXXX I paid off my Barclay Card for almost {$3000.00}. I called the company to request that they close my account. The agent that I spoke with stated that they would not close the account unless I provide information that I had no access to. I never got a billing statement again from the company. In XX/XX/XXXX I received a phone call from the company stating that I owe {$3300.00} ( appx ) and that I need to make payment. I told the company that the cards were destroyed and that I requested to have the account closed prior and that I was not responsible for the charges. I told them that there must be fraud on the card and was transferred to a fraud agent. The agent told me that he would accept fraud and close the account, and credit everything on my bill. About a hour later the same agent called me back and stated that he was refusing to accept fraud because some of the charges that occurred after I destroyed the cards were at the same merchants that I shopped at prior to requesting the account be closed. I also have accrued about XXXX in late payment and interest charges but was told prior to closing my account that i would never accrue for any reason any late fees or interest charges until XXXX 2016. 
I reviewed a billing statement that I had to have a co worker get online ( because the company is refusing to provide me with requested documents ). Upon reviewing them I noticed not only were there several charges that were at merchants that I did not go to, but there were several duplicate charges on the bill. I have printed out the statements and hand wrote notes on them and will include a scanned copy of the statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XX/XX/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

Today I received in the XXXX a letter from " Experian '' credit bureau dated " XXXX XXXX, 2015. '' In it " Experian '' has under the " Personal Information '' section, myself as named " XXXX XXXX XXXX, name identification number XXXX. '' This is n't me. My name is " XXXX. '' I am the victim of Identity Theft. When I called up " Experian, '' they refused to " Delete '' this " XXXX '' false/Identity Theft name off of my " Experian '' credit report.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continues to report fraudulent information on my credit profile. In light of the XXXX XXXX I reported XXXXXXXX XXXX  XXXX XX/XX/XXXX ( {$620.00} ), XXXX XXXX XXXX XX/XX/XXXX ( {$1000.00} ) as fraudulent accounts being as though I do not recognize, nor did I ever consent to these accounts. No original contract has been provided to me that proves these accounts are mine and therefor must be and REMAIN deleted from my credit profile. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 13 days and XXXX is in violation of this law because I am a victim of identity theft. 

XXXX and Experian also continues to allow XXXX XXXX XXXX to report unknown medical debt to my credit profile. XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX ( {$1100.00} ) It has been over 30 days since I sent a letter to XXXX XXXX XXXX XXXXequesting confidential information proving that this debt is mine as well as proving that I provided consent to access my medical information. This debt is fraudulent and I have filed an FTC report demanding the deletion of this account. XXXX and Experian remains in violation of the law because it is allowing fraudulent or unverified information to report on my credit profile.
Product: Payday loan, title loan, or personal loan

I was trying to get a loan and I got approved for {$5000.00}. The person on the phone said that they had to send me {$2000.00} for a verification so he sent me the {$2000.00} after I gave my banking account then he wanted the {$2000.00} back via XXXX XXXX. The person on the phone try different cash app names and you kept on denying.The cash app didnt work so he wanted gift cards and then cash app, I got the gift cards and sent it to him and then I realize that I was probably getting scammed and I asked to end the it. but I still had {$1000.00} and I dont know how to get back to him. It was under lending tree which I know is a loan company but it seemed iffy and so I stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK so one I do not have any kind of mortgage Im not sure whats going on with that .two I am not on any public assistance and if I am I would like to know what that is because I have not seen any money from it leaving me quite broke on top of that I cant applying for a loan because theres something going on about some consumer XXXX. I just really want to know was going on here so I can apply for a loan so I get live comfortably. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA
Product: Checking or savings account

I've been banking with Current for a few years now. I hadn't really had much of an issue UNTIL this year. I used my Current Credit Card for renting vehicle. The rental company overcharged me. This resulted in my account being overdrafted. I contacted the rental company and the refunded me a total of {$740.00} in 2 different transactions ( {$550.00} and {$190.00} ). The refund was never reflected on my account even thought it was refunded in XXXX. As of XX/XX/XXXX, my account was still overdrafted {$400.00}. If the refunds had been processed on my account there no way I would still have a negative balance. The final transaction from the rental company, I filed a dispute thru Current, which was in regards to being charged {$1500.00}. When the final bill after the rental company fixed there mistake amounted in {$370.00}. So, I recently receive correspondence that I won my dispute and should be issued ( which shows as a deposit ) of {$1100.00}. However. Despite not using my card since XXXX ( waiting for the refund to be credited to my account ) my balance is only {$760.00} with no other transactions since. Where did my money go?! Now my account is locked/restricted and I've been getting the run around about having to wait for some fraud department that only responds via email to contact me. Meanwhile I have no access to my money and everyone is very nonchalant about it. No matter how many times you call or email they give you the same responses. To wait for an email from mysterious department that may or may not eventually respond to you. I've sent numerous follow-up request and been promised responses within 24-48 and have yet to get any info as to why it was locked or what supposed fraud they attempted to block. 

UPDATE : It's been 2 weeks and the agents I co tinie to deal with either have no idea how to address the issue or they pass it off to someone else. Everyone keeps repeating the mantra that the " Fraud Resolution Team '' works back office and that my concern has been escalated and I should receive a response in 2-3 business days.
Product: Credit card or prepaid card

Bait & Switch On XX/XX/20 I applied for credit with Synchrony Bank ( XXXX ). 

During my application process, I was never informed, nor did I consent to creating a video as part of my application process. 

This is a serious.violation of my privacy. 

In addition, I now suffer from a hard inquiry on my credit report which adversely affects my credit rating. 

Had I known that Synchrony Bank would invade my privacy by requiring a video of myself as part of the application process, I never would have applied. 

I hold them responsible for the hard inquiry that is now placed on my credit report.
Product: Debt collection

CEASE AND DESIST YOU ARE VIOLATING MY RIGHTS!! I, the consumer, have noticed that there is abundant evidence that Navy Federal has been using deceptive and unfair debt collection practices in an attempt to collect an alleged debt from me. Pursuant to 15 USC 1692c Navy Federal has been communicating to other persons in connection with the collection of an alleged debt. Pursuant to 15 USC 1692d Navy Federal has been oppressing, harming my creditworthiness and reputation by coercing me to pay an alleged debt that has not been validated. Pursuant to 15 USC 1692c ( c ) I, the consumer is notifying Navy Federal, debt collector, in writing to cease communication with me and anyone in my household including family, friends, financial institutions, credit reporting agencies, third parties or indirectly of any alleged debt you are attempting to collect and only communicate through the cfpb i am invoking and demanding my remedies as the following Report account in good standing Zero out the alleged debt balance All demands are to be made upon receipt
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are enrolled in Bank of America Mortgage " XXXX '' automatic monthly payment deduction service. On day 1, of each month, they were to take one monthly mortgage payment from our checking account. XX/XX/2020, they ( BOA ) took two ( 2 ) payments from our checking account. We went immediately to the local bank branches to try to get the double payment stopped, and were told nothing could be done. BOA applied the double payment to month of XXXX We had to borrow money to pay the rest of our bills for XXXX and first part of XXXX. 
On XX/XX/2020, BOA again took two payments from our checking account. We called BOA 's Electronic payment dept. and asked that the double payment be cancelled or returned to our checking account, and were told the problem would be " looked into ''.

XX/XX/XXXX., we called again, explaining we needed the money to pay other bills and living expenses, and were assigned a Problem Case # SR XXXX. 
XX/XX/XXXX., we called again, and were asked to submit-via email- proof document that BOA had taken two payments. We submitted a copy of our bank statement, that showed BOA had taken two payments on XX/XX/XXXX

XX/XX/XXXX, we called and our case # was recognized and were told money would be refunded. We borrowed money to pay the rest of our bills for XXXX and first part of XXXX. 
XX/XX/XXXX., we called and a Rep said he would have a " manager '' issue a refund. 
XX/XX/XXXX., we called and a Rep told us our money had been refunded as of XXXX XXXX  on XX/XX/XXXX. 
Today is Mon. XX/XX/2020, and the double payment has NOT been returned to our checking account.
Product: Credit card

My bank account information was removed from my Capitol One accounts in the process of making a payment. I was informed that my bank had security measures in place, since I had updated my new legal name with my bank, but hadn't done so with Capital One. The bank removed the hold, but Capital One won't allow my checking account to be re-added without a letter from the bank, which the bank says they can't provide. I then tried to add my savings account to pay my Capital One cards, but this time I confirmed with XXXX XXXX XXXX that Capital One initiated rejection of my account information, even though I mailed in the documents they requested in order to update the name on my account. They even said they'd added the new name to my Capital One account. The only other method they've mentioned for payment is to mail a check or do a transfer via an ATM... both of which would come from one of the same accounts. I've now accrued interest charges and have a late payment because they will no longer allow payment from my financial institution.
Product: Checking or savings account

I was not able to all of a sudden access my online banking account then called and was told my account was locked due to a fraudulent check that was deposited thru mobile for XXXX XXXX XXXXXXXX went into branch sat down with a banker and asked them to call see what they would tell them if there was anything I could do to save my account and was told the same that due to check going into mobile for {$130.00} my account would be closed in XXXX XXXX but I couldnt get into my account meanwhile it closed
Product: Checking or savings account

On XX/XX/27 there were three unknown pending transaction on my account : 1XXXX XXXX XXXX  for {$4000.00} from XXXX CA XXXX 2- XXXX XXXX XXXX XXXX  for {$710.00} 3- XXXX XXXX XXXX XXXX for {$710.00} The transaction were reported to the bank while they were in pending status, we told them the transaction weren't made by us or anyone we know. 
They open a claim, we were told it could take up to 10 business days to resolve. 
On the 10th business day of the claim we got a letter email that said that the findings on our claims show no error on our account and that the claim was close and it can not be reopened. 
We call the bank right away and ask about the investigation and we were told that information cant be shared, that it needs to be requested to a different department. 
We finally were able to get to the right person and requested proof of the investigation but were told it can take up to 30 days to get it. 
Its been 18 days since our money was taken from our accounts a total {$5400.00} that were missing, the bank never call us back.
Product: Credit card

Chase decided to blatantly break the XXXX law XXXX and illegally prey on XXXX citizens above the age of XXXX, potentially also violating federal age discrimination laws. They are falsely and thus illegally advertising that they are giving medical alert services for free when they really are n't. XXXX citizens who may be suffering from XXXX due to age are especially vulnerable to Chase 's sick and illegal behavior.
Product: Credit card

On XX/XX/2016, I applied for a credit card on the Wyndham Rewards website. The credit card, with a {$69.00} Annual Fee, was a " Limited Time Promotion '' offering XXXX bonus points ( Barclay Card US services the card ). This promotion was available on the Wyndham Rewards website beginning about XXXX XXXX and ending in XX/XX/2016. 
My complaint is Barclay Card US has credited my account with only XXXX points, claiming the XXXX point offer does n't exist. On XX/XX/2016, I contacted Wyndham Rewards for help, as the offer was on the XXXX website, they directed me to Barclay Card US customer service. On my request, Barclay Card US opened investigation CASE XXXX on XX/XX/2016. 
When I contacted Barclay Card US, on XX/XX/2016 to request CASE status, they said the investigation showed the XXXX point offer did not exist, and I was not due the additional XXXX points. 
On XX/XX/2016 @ XXXX, I contacted Wyndham Rewards customer service, they agreed that I was due XXXX points since it was an active promotion on their website. The limited time offer was on Wyndham 's Webpage for XXXX and XX/XX/2016 only. The Wyndham customer service manager ( XXXX ), with me conferenced, called Barclay Card US customer service and spoke with a manager ( XXXX ). The Wyndham manager had the Barclay manager access the credit card offer via the Wyndham Rewards webpage. The Barclay manager did verify that the XXXX bonus point offer did exist and I was due an additional XXXX bonus points. XXXX, the Barclay Card manager offered to immediately credit my account with XXXX points, the maximum that her position was allowed. I refused her offer, and stated that I would wait for the full XXXX points to be credited. The Barclay manager on XX/XX/2016 opened CASE XXXX to have my points account credited. 
On XX/XX/2016, I contacted Barclay Card US about CASE status, and was told the investigation again showed that the XXXX bonus point offer did not exist. I was told nothing further would be done by Barclay Card US customer service. 
When calling Barclay 's customer service, an announcement states, " ALL CALLS ARE RECORDED '', meaning that a recording of our XX/XX/2016 conversation exists, with the Barclay manager ( XXXX ) confirming that the XXXX point promotion exists. 
Note, on the XXXX webpage, when I clicked on the " LEARN MORE '' label of the " Limited Time Offer '', a new webpage displayed that originated from the Barclay Card US website/webservers. The below is the URL that is displayed on that webpage. Paste the below URL into a web browser, and the actual XXXX point promotion will display for you. It is still live on the Barclay Card US website. 
XXXX On this new page you can view/download the Barclay Card Terms & Conditions showing the XXXX Bonus Point offer that I applied for . THIS WEBPAGE IS ACTUALLY BEING DISPLAYED BY THE BARCLAY CARD US WEBSITE/WEBSERVERS. For Barclay Card US to state that the offer does not exist is a blatant lie. This is Bait & Switch by Barclay Card US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.