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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Financial Institution : Capital One Credit Card : VISA XXXX ( deactivated ) On XX/XX/XXXX, XXXX fraud charges labeled XXXX XXXXXXXX ( {$200.00} each, totaling {$410.00} ) on the account referenced above were detected by Capital One Fraud Team and confirmed by me as the card holder. Capital One deactivated the card, and immediately refunded the charges to my account. 

However, on XX/XX/XXXX, Capital One notified me by letter that their investigation led to no indication of fraud, without providing any specific reason. My account was again charged {$200.00}, twice. 

On XX/XX/XXXX, I called Capital One hotline to protest their reversal, and re-emphasized the transactions were not authorized by me. Agent of Capital One informed me that an error was made and that my account will be credited {$410.00}. This was also followed by a letter of confirmation from Capital One. However, as of today, no such credit has appeared in my account. 

On XX/XX/XXXX, I called the Capital One hotline again to follow up and was told that I need to resolve the issue with XXXX. So, I inquired with XXXX and told the XXXX agent that I did not authorize such transactions. XXXX informed me they found the transactions, but they are not linked to my XXXX account. This also confirmed the transaction is unauthorized by me. 

My XX/XX/XXXX call to Capital One was yet another frustration, after an agent told me she would transfer me to her supervisor, but instead the line was disconnected. 

On XX/XX/XXXX I sent a letter to Capital One Fraud Protection Department to reiterate that the transaction merchant is not recognizable to me, and the purchases were not authorized by me. No goods were delivered to me and no service was provided. I am the sole user of the credit card, and I have never given anyone else permission to use it. Nor did I authorize XXXX to charge this VISA account ; the transactions do not even show up in my XXXX account. The letter was received on XX/XX/XXXX according to USPS record. However, I haven't heard from Capital One in any format of communication ( phone call, email, or letter ) since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX   XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX  XXXX XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Amount : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in removing a late closed and charge-off status on my financial records. 

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. 

Here is a summary of the steps I have taken to address these issues : I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Checking or savings account

On XX/XX/2022, I received a scam email from XXXX in which I responded and sent {$1000.00} as instructed from my banking institution. Upon realizing this was most likely a scam, I immediately called my financial institution to stop payment. The bank told me there was nothing they could do and informed me to contact XXXX, who is also stating there is nothing they can do to regain my money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

My partner and I had difficulty opening a joint account at the Wells Fargo Bank. The Banker reported false information on our application, and stated the system shut down before he could add my partner as a signer. He collected sensitive information, including my partners SSN and phone number. Yet, neither were reported on the application that he printed out for us. We reached out to Wells Fargo, and they have not been helpful thus far.
Product: Credit card or prepaid card

Quite a while back I was offered an " Ultamate Rewards Mastercard '' credit card issued by XXXX XXXX  while shopping at XXXX XXXX XXXX. I applied for the card to get the special discount they were offering that day. I paid off the card and didn't use it so it sat with XXXX balance for some time. 

In XXXX, I received a mailer on the account offering a no fee balance transfer up to my card balance of {$15000.00} for 0 % interest through the fall of XXXX. I then went online and submitted balance transfer requests through this offer to pay two other XXXX XXXX  accounts. One was for {$11000.00} to be paid to my XXXX XXXX  line of credit and another for {$4000.00} to be paid to my XXXX XXXX  Visa account. 

XXXX XXXX  posted these to my Ultamate Rewards Mastercard on XX/XX/XXXX. However, the payments were never made to either of my XXXX XXXX  accounts. 

The last week of XX/XX/XXXX I received a statement from XXXX XXXX  stating that I had a balance of {$15000.00} with a minimum payment due on XX/XX/XXXX. I called their customer service to find out why I was being charged even though the balance transfers had not been paid to my account. 

I was provided 2 different stories by customer service during a call with a first agent and supervising agent 1 ) The checks were mailed to XXXX XXXX  but bounced back due to an error in the account information ; 2 ) The checks were mailed to XXXX XXXX  and have not gone through but the amounts will automatically be reversed after 30 days ( this did not happen ). 

The following week, after waiting until the 30 days had passed for the " automatic reversal '' that had been promised, I signed into my account online to find that the {$15000.00} balance remained. I then contacted XXXX through their online secure account portal. At this time I was told that they were investigating and would respond within 30 days. 

I then contacted them through XXXX and they indicated that they were investigating but the balance due would be frozen while they investigated. I have received no other indication that the balance due is frozen and continue to receive payment due notices. 

I filed a complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. XXXX responded to the XXXX that they would contact me directly and were investigating. I have received no further correspondence as of today, XX/XX/XXXX. The XXXX  closed the complaint despite my refusal to accept XXXX 's general promise to handle this. 

After reviewing the reputation of XXXX with other consumers online I became concerned that if I did not pay the card that they would report me as delinquent and charge maximum interest/fees while this was being " investigated ''. I therefore set up a minimum payment of {$150.00} to post XX/XX/XXXX - two days before the due date. 

I am essentially now paying money to XXXX in a credit score hostage situation. They have indicated that they could be investigating for up to 90 days and during that time I will either risk my credit rating or need to pay {$150.00} per month.
Product: Debt collection

XXXX XXXX XXXX XXXX contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this XXXX   XXXX XXXX XXXX  an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.
Product: Payday loan, title loan, or personal loan

I took out an additional loan on an existing line of credit with my bank, Key bank in XX/XX/XXXX. I immediately began making payments on the principal amount on this loan because the interest was higher than on the original fixed rate option. I eventually began making additional principal only payments on this first FRO. I met with bank staff early in this process who advised me how to make sure payments went to the principal. Later when checking the balance on the second FRO it became evident the bank was misapplying my principal only payments, usually to the lower interest FRO when I was trying to pay down the higher amount. I had multiple conversations with the bank manager in XXXX where I made my payments. He forwarded my complaint to the Advocacy department. They provided a partial list of my payments in XXXX, XXXX and have yet to provide a complete payment report after repeated requests. From this initial report it showed misapplication of my principal payments at least half the time, random failure to take out my monthly payments and they have been unable to respond to requests for this information. In recent discussions with the bank manager ( a new one ) he indicated the main office had requested they research my payments and he reported the branch appropriately directed my payments to the 2 FROs as requested. They also showed that the initial amount of {$25000.00} was immediately adjusted to over {$26000.00} with no explanation. I paid off the original lower interest amount in XXXX to try to eliminate the problem from continuing. The bank manager told me the pay odd balance. The statements show it was applied then taken away- the bank could not explain, but amount of {$8700.00} was deducted from my checking account. They continued to pull at least one more monthly payment and said I still owed about {$13.00} after I had tried to pay off the loan. They took this from a principal payment to the other FRO later. Current monthly withdrawals/payments are more than the original amount I was told the payments would be on the second FRO. Because of all of these errors and the difference in interest between the two lines of credit I believe they have overcharged me interest on these accounts. They have been unable to offer accurate information, any explanation for these errors, nor any correction to the problems after over 10 months of trying to work with them. I would like a complete accounting, corrections to their repeated errors and refunds of any excess interest charged in error.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery Associates recently reported a debt of {$680.00} on my consumer report without notifying me and providing the necessary documents which the Fair Debt Collection Practices Act Requires for them to provide before reporting. Ive recently sent a letter certified mail. If they can not provide what Ive requested the account must be deleted immediately. Thanks
Product: Vehicle loan or lease

I currently have an amount due at the end of the loan at payoff of {$1700.00} due to two past extensions within COVID. I am now making more than monthly payment to try to pay this off so I will not have this due at payoff. I have to call to tell them to allocate extra payment to this balance. I was told it is then I was told they couldnt allocate it, I honestly do not know what XXXX XXXX is doing with this account when these additional payments are being made. It was explained to me to download the app and it is a drop down menu that says make additional payment to principal and I have gone on the mobile app and do not see this. I am honestly trying to get this balance paid off so I will not owe it at payoff and I keep getting the run -around. I have recently made a payment of {$650.00}. My car note is {$690.00} a month and I have to call to tell them to allocate the extra {$57.00} toward this principle balance on the end of the loan and it should be a better way XXXX XXXX should have this set up, for situations like this. I want the additional payment allocated to the principal of $ XXXXand every other additional payment made toward it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me 2 overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with Experian due to security reasons. XXXX document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX and XXXX XXXX.
Product: Mortgage

I applied for a loan to buy a condo, start the process around XXXX of 2020 with the bank of America. I have been an account holder for more than 15 years. During the process with the Loan Officer I got the pre-approved letter for XXXX. My credit was check twice, first on XX/XX/2020 and last on XX/XX/2020. Everything was crystal clear, my direct deposits from my work goes to my account at the Bank of America. I spent a lot of time looking for a place, and finally I got the one I want it to buy. The Loan Officer help me to do everything I needed to be satisfied with the bank. The condo 's price was XXXX so I assume was within the price I got the pre-approval. Therefore we went ahead with the process. Already in XX/XX/2020 the XXXX said everything is fine with the loan. The closing was for XX/XX/2020. Additionally I proceed with the Inspection {$150.00}, the Appraisal which was paid to the Bank of America {$580.00} ( XX/XX/2020 ), HOA application {$100.00}, The officer said I need a online class for first time home buyers {$35.00}. After all six months of stressful and expensive process, I got a call from the officer that my loan was DENIED! I feel discriminated and deceptive by the Bank of America. Why they did NOT denied the loan at the beginning? They caused me a big financial and emotional distress.
Product: Debt collection

I never received notice of a bill. I monitor my credit reports very closely since I had my identity stolen through the XXXX  security breach. I was made aware of this bill because a collection was placed on my account. I called the company to explain the bill is not mine and was met with harsh words and a demand to pay immediately.