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

I am disputing two accounts related to XXXX XXXX XXXX  that are inaccurately being reported on my credit file by Experian and XXXX. The details of the accounts are : Account # XXXX : This account was paid in full and closed as of XX/XX/XXXX, with a high balance of {$1100.00}. 
Account # XXXX : This account was paid in full and closed as of XX/XX/XXXX, showing no balance and marked as " paid and closed. '' These accounts have been fully resolved for years and no longer represent current obligations. Despite this, they continue to appear on my credit report and negatively impact my credit profile. Their reporting does not reflect relevance or timeliness, which violates the Fair Credit Reporting Act ( FCRA ). 

I have formally disputed these accounts with Experian and XXXX but have not received any resolution. Both accounts are beyond their practical relevance for my creditworthiness, and I am requesting their immediate removal.
Product: Checking or savings account

I opened this account a few months ago and have been using the account perfectly fine. Its a new year and I decided to try to manage my money better and opened XXXX XXXX  accounts. XXXX for my daughter and XXXX for myself. As well as I opened a checking account to transfer money for bills. A day or XXXX later I tried to access my online account and it said my account was locked due to suspicious activity and I called to unlock it. I was told that chase restricted all of my accounts and that they decided to discontinue the relationship with me as a client. I am still trying to figure out what suspicious activity there was that my account was locked. This is the second time this is being done to me and I am being left without a bank account and no access to my funds. I have a XXXX XXXX  XXXX  child and now I have no funds to support her until My next pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with XXXX and Transunion about the unverified account XXXX/Account number XXXX and XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX was remove from XXXX because it was deemed unverified, but XXXX and Transunion have yet not removed it from their reports yet and I have asked for their methods of validation several times. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting or other personal consumer reports

I received an email from the company with a link that said " XXXX XXXX XXXX XXXX  ''. I thought my credit file was already locked so I clicked the link to make sure. When I clicked the link and locked my credit file, this action signed me up for a paid subscription with Experian, which I did not want. Furthermore, they had my credit card information, which I never entered into their system or provided to them. I called the company and requested a refund, which they initially denied. They eventually issued a refund after I escalated the issue. 

I researched to see if this happened to other folks, and on the website XXXX, there are many others who have faced this exact same fraud. I will be speaking with legal authorities.
Product: Credit card or prepaid card

I placed a complaint here on XXXX XXXX, XXXX about US bank closed my checking account and my two savings accounts on XXXX XXXX, XXXX, today XXXX XXXX I have n't received the checks from my two savings accounts. 
complaint ID XXXX. 
Today 's complaint is that with no reason US bank credit card mailed me two letters on XXXX XXXX advising me that they will also close my two credit cards that I have with them 12 years ago and 3 years ago. I have called and let messages to the account 's manager and number on my letters but not answer any of my calls. 
On XXXX XXXX US bank credit card sent me an email with an offer because my good standing on my credit cards and they increased my line of credit in XXXX dollars more for a total of XXXX in on credit card and XXXX in my second card. 
Today as every Friday since XXXX XXXX I went back to XXXX XXXX to ask about my money from my savings and they told me that my two credit cards are closed now since yesterday. 
This closure have to be related to my previous complaint and it is impacting me tremendous because I care a lot for my credit score, my two credit cards were in good standing and with a 100 % on time payments, As we can see US bank has personnel doing a really bad job and are destroying Loyalty customer like I am, I was really happy with US bank because the fixed my credit when I needed and they also gave me my car title before I even paid it because for my good credit they offered me an unsecure loan and I gain may car. 
Today I am frustrated, no answer in the branch and it will cost me time to fix my credit score again. 
I did and give my information when the bank needed the probe are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still in preparations in purchasing a home, I have been monitoring my credit report thru XXXX  and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXXXXXX XXXX  | XX/XX/2019, XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.
Product: Credit card

On XXXX XXXX I tried to log into my Capital One Credit Card Online Banking, I could n't because the system told me it was blocked. 
When I called the customer service department, one representative told me : My account has been closed because was market as fraud from the XXXX credit bureau, upon a dispute that I 've filled up for a late payment that still was showing up in my credit report since XXXX 2015, after a year ago when I was making all my payments on time. 
They told me I have to call them ( XXXX ) so they can send them ( Capital one ) a letter so they can open my account once again. 
I called XXXX and they told me I have to call Capital One once again because they have nothing to do with that. I have to get in contact with XXXX operators and XXXX managers at Capital One, XXXX operators and XXXX managers at XXXX, plus the uncomfortable waiting time ( Approximated 10 minutes for each person ) And NO ONE, NOBODY could give me a reasonable answer of WHY they 've closed my account? 
From : You have to contact the credit bureau, we ca n't give you an answer, you have to contact them and then we 'll see if we can re-open it, sir I have told you 4 times I CAN NOT GIVE YOU AN ANSWER to the phone hanging up at Capital One twice. 
I had such an awful night, without mention that that night I need it to send some money to my mother in XXXX XXXX and the only way I could do it was with my credit card. In top of everything, without any explanation they shut down my credit score to XXXX, when I was paying my credit card on time since XX/XX/2015 to fix my credit score. 
So, because I could n't have an answer, a letter, a message, or a simple justification from Capital One, nor from XXXX I only can ask to my self something .... Did they closed my account because I was paying on time and they was n't making any money out of me? Did they closed my account because I was paying some collection bills to fix my credit with the same credit card I was as well paying on time, every 15 days? 
I wish someone could give me an answer, because at the end of the day, the results of building and fixing my credit score, turns into a nightmare for me and I totally get the opposite results, because now I do n't have credit and I have to start all over again thanks to Capital One and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX age of account XXXX XXXX. $ XXXX-in Collections. 
IN accordance with the Fair Reporting Act 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 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions..
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries, and they seem to be unauthorized. I urge you to take immediate action to rectify this issue. The attached documents provide further details.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card or prepaid card

This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

My identity was stolen and someone stole my wallet with credit card information and personal identification as well I made a police report with my information that was stolen also wrote a letter in my hand written stating these actions that where taken place where not made by me also signing my name multiple times for proof and still was denied my claims
Product: Debt collection

This company reported a debt they claim I owe to the credit bureau. Never mailed me anything to allow me to do my due diligence. They called me by phone a few days ago. I didnt know what they were referring to and asked for proof instead I wake up with it on my credit. They are I. Violation of the fdcpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CHASE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

My Apple Pay was closed and I do not know why. I called customer service and they didnt know why themselves. All they said was it was the company decision and thats what they did.
Product: Credit reporting

Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is 18.95!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX Please make these XXXX, yes all XXXX bureaus, make things right for people who only have their credit to rely on, working their single butts off, paying ungodly amounts for rent, who pay their bills, etc.
Product: Credit card or prepaid card

On XXXX 2017 a card from commenty bank was send to me which I did not received it was used by someone else. On XX/XX/XXXX they send another card and the cards was stolen and used again. I call commenity bank and they stated that they can not credit the statement because every card I get someone stoles. Now they want me to send an old police report that I have saying that someone has pamper with my mailbox. My police reports saids that I have been a victim of fraud.
Product: Mortgage

I purchase a mobile home in XX/XX/XXXX still to this date owe over 40 thousand dollars on it spoke with Ditech on XX/XX/XXXX I was told I have 10 more years on the loan I have paid for this mobile home three times
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

HARDSHIP LETTER On the month of XX/XX/XXXX I received a call from Roundpoint offering me a FORBEARANCE PLAN due to Hurricane Irma which happened on XX/XX/XXXX. Roundpoint said that due to my area was declared on disaster this federal plan allowed me to stop paying the months of XXXX, XXXX and XX/XX/XXXX so I can use that money for the expenses caused by the hurricane and those payments would be put to the end of the mortgage. Roundpoint asked me for many papers during the lapse of those three month which I sent. Every month I kept receiving letters of intent of accelerate the mortgage, and every time I received those I called to Roundpoint to remind them that they put me in Hurricane Irma forbearance plan, my calls were received by a different persons not aware of the plan and, after reviewing my file they every time told me that everything was OK and to disregard those letter that were generated by the system and that I would be receiving those letters up to the end of the process. Every time I called I kept asking for confirmation on the conclusion of the plan, in other words I asked for confirmation on the three months would be put to the end of the mortgage and if this situation would not affect my credit and they always said yes, on times even I got comments of not to be afraid. On the month of XXXX Roundpoint call me asking if I would start paying my regular payments, I told them that as it was our agreement and that I was prepared to start making my regular payment, which I have been doing on time every month. Approximately, the XX/XX/XXXXl I received a call from Roundpoint stating that my modification was not approved by the investor ( XXXX XXXX ) and that I have to pay all the amount of three mortgage payments which is almost {$6000.00}, which at the moment I dont have, and if I dont pay my house would be put on FORECLOSURE and I would lose my home. I asked if there are some kind of appeal and they responded that the denial happened many days ago and I only have 30 days to appeal and the time was expired. I did not received any notification of denial! Now I have been asked to make this application for a regular modification which was never my intention from the beginning. I have been pushed to this situation which will remain in my record and probably in my credit and I dont have any other way to fight for my home. This is unfair considering that I have been paying according to the agreement, so from my side I have honored the agreement, however it didnt happened from the other side of same.
Product: Prepaid card

I was given a gift card as a present, I registered the gift card as they requested, and when I went to use the gift card, it declined. After calling the company, they told me it was locked for fraud, and I had to wait one hour. I waited well over the one hour and attempted to use it again, only to still have it decline. When I called back, they said I now had to wait 24 hours because of suspected fraud, even though, I already cleared out that I was the one using it. I have looked into the issuer of this gift card and this seems like a common problem and people are often not available to use the funds. I am worried they will keep locking the card and I will not be able to use them.
Product: Money transfer, virtual currency, or money service

I am a victim of a crime from the man from XXXX name XXXX XXXX. He contacted me on XXXX to sell me a bag and accessories and I sent him XXXX $ wire. In return he sent me a box of garbage and when I confronted him he blocked me. I trusted him because of his XXXX XXXX he use account name XXXX XXXX. I got his name and address below ; XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX His bank account name : Wells Fargo Account Number : XXXX First payment XXXX $ date transfer XXXX XX/XX/2022 Second payment XXXX $ date transfer XXXX XX/XX/2022 Third payment XXXX $ date transfer XXXX XX/XX/2022 Total Value XXXX XXXX I did not received the goods I paid for. Please help me this is such a big lost for me. Thank you so much.