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

I activated a new card with capital one I believe in XX/XX/2023. It had some issue later with my social security number linking to me. With this new card. I spent a great deal of time sorting this out in XXXX as I had no access to my account via automated phone or website. 

I was told by Capital One it was fixed but it wasnt. I made a payment that month but still couldnt see the account, due dates etc. this was well after the alleged timeframe it might take to switch over what they did to resolve the account issue. 
In XXXX I Ended up getting a late fee and after calling them and their IT actually fixing it. I spoke to a few reps in customer service and financial and I was denied a credit for the {$29.00}. They refused to answer why a credit wasnt warranted and proceeded to stick to what the first rep said whom acted like she was too bothered to deal with my issue and noted as denied. 

I paid off the new card and am intending on paying off my Menards, Silver, platinum, and closing my checking and savings. Way to go customer service. My monthly fees cost more than {$29.00}. 


Then there is an issue with denied atm transactions. I recently was denied money because of being security flagged while traveling. I stopped at an in network atm and try to take money out of the ATM for a customer i was going to visit. The ATM denied my transaction with no explanation. I tried multiple times to no avail. I left the bank. I try the XXXX also with the same results. I saw that there were out of network banks ahead, and no other network banks close by so I ended up driving about 20 minutes towards another bank and along the way I got a text message, asking me if I had tried to withdraw money at the ATM. Apparently there was a security flag on my account because I was traveling outside of my local area. I guess I was only about an hour away from my home. Because there was no network ATM anywhere close at that point I got a fee for using an off network atm. 

I called capital one and asked them following my transaction which went perfectly at a non-network ATM and I asked them about why I couldnt use my card and they told me it was because it was security flaged because of some unknown reason and this is the multiple times this has happened with their cards a question about getting a credit and they denied me yet so they cant give a credit because of this. 

fees like these add up immensely XXXX sure if you do this to many customers.
Product: Credit reporting or other personal consumer reports

In Accordance with the Federal Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U.S.C s1681 section 602 A.States I have the rights to privacy 15 U.S.C s1681 section 604 A Section 2 .It Also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Equifax at some point stopped updating my existing credit report around XX/XX/year>- they have split my file and it is unable to be pulled from Annual Credit report.com or from Equifax 's website and was unable to be accessed by a lender when unfrozen and unlocked. When I go into Equifax 's system I see only a portion of my accounts and many are missing. However, I did receive a dispute summary that lists accounts that I can't see to dispute so something on their end is still not working regarding my file. Their customer service has been dismissive of this even though it has now been at least almost a month that my file has been inaccessible and previously the only tradelines showing in the backend were not updated since XXXX / XX/XX/year>. I am again requesting they combine any multiple files and ensure accurate reporting and accessiblity to both myself and anyone trying to pull my report
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 

I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair CreditReporting Act and will not be tolerated. In case you would like to settle this matter between youand I, rather than me filing suit against your company, I will once again list the inquiries inquestion so that you may do as you are governed by the FCRA. 

Please investigate the following : 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  I have tried to contact these companies on my own, but I have not been able to get very far. Itried to contact them using the phone numbers that are provided on my credit report. Half of thenumbers are not even correct. The companies that I was able to get in touch with do not evenhave any record of me. How can they have a permissible business purpose to pull my credit, ifthey have N0 record of me?

As I stated, I have already given your company quite enough time to investigate the items inquestion, but I am willing to give you one more chance. If I do not receive results of yourinvestigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting XXXX XXXX XXXX XXXX and the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to three credit bureaus Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? Please help me correct these accounts immediately : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$570.00}.
Product: Mortgage

FNB purchased our mortgage from XXXX XXXX when XXXX XXXX sold. FNB did not pay our property taxes and possibly insurance for one and half years. When I found out and contacted the bank, I was told there was an email from the former bank that said not to pay our taxes. We were never informed and this is incorrect. Our mortgage agreement has not been modified. Taxes and insurance are part of our escrow. The new bank charged us {$100.00} extra to compensate for having to pay our taxes. We disputed this but ended up not fighting it and paid the extra {$100.00}. Now, the bank is raising our mortgage payment $ XXXX/month for the same reason. Due to the negative escrow. We have tried to get an explanation from the bank as to 1. Why did they stop paying our taxes and 2. What happened to our payments for the 1 1/2? Where was the money applied that did n't go towards escrow? The collection department representative, XXXX, has been helpful enough, in the sense that he allows me to ask questions etc ... but I 'm not getting any real answers. How can a bank just stop paying escrow without notifying us? How is that okay?
Product: Credit card or prepaid card

I applied for an American Express Hilton Honors Surpass card about XXXX months ago with the welcome offer of getting XXXX points after spending XXXX dollars within the first three months. But I realized that I still do not have the welcome offer points after I spent more than XXXX dollars within the first three months so I chatted with their customer services on XX/XX/2021, through AE mobile app. They declared that my welcome offer was denied due to a previous relationship with XXXX and asked me to call XXXX to review my profile. But I have never applied for a XXXX XXXX credit card and I did not understand it. And I called customer services on the same day, they promised to open an investigation for me regarding the welcome offer and email me the result within 10 days. Unfortunately, I did not get an email after more than 10 days. So I called them and they did not give me any specific reason why I was rejected since I do not have any XXXX XXXX card, the reason they claimed why I was rejected the first time. They just kept saying AE has the right to reject the welcome offer without notifying me. I would consider this as a false welcome offer promotion for our customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report :
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE DELETE FROM MY CREDIT REPORT. I HAVE ATTACHED A COPY OF A ID THEFT AFFADAVIT PACKET & POLICE REPORT. I HAVE ALREADY SENT THESE ITEMS TO THE CREDITORS OVER 35 DAYS AGO. TRANSUNION IS THE ONLY BUREAU TO NOT HAVE DELETED THESE ACCOUNTS YET.
Product: Debt collection

whom it may concern, I am writing to address a matter of concern regarding inaccurate information that has been filed on my credit profile. In XXXX of XXXX, I opened an account with XXXX XXXX XXXX Unfortunately, due to a financial hardship, I was unable to fulfill my obligation and this resulted in consistent delinquency reports being sent to all XXXX credit bureaus for a period of seven years. Eventually, the account was charged off as bad credit and closed. 
However, to my surprise, after the seventh year, my collection debt was sold to LVNV Funding LLC, an agency that reopened my account as if I had reapplied. They began reporting a new delinquency date of XX/XX/XXXX on one of my credit reports. This is a clear case of fraud and I urgently request that this information be removed from my credit profile without delay. 
It is important to note that when a collection agency is unable to recover money from an individual, they have the option to resell the debt to another collection agency. However, the original date of delinquency should remain unchanged. Therefore, it is not permissible for the collection agency to report old debt as new debt. 
I kindly request that you thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my credit profile. It is crucial for my financial well-being that my credit history reflects accurate and fair information. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Yours sincerely, XXXX XXXX XXXX
Product: Debt collection

I have no clue what this is but someone used my identity for something. Now Im being harassed for it. XXXX  is no help
Product: Checking or savings account

On XX/XX/XXXX, I recieved an email offer ( as shown in the attachment ) which offers me {$400.00} after required activities. On XX/XX/XXXX, I went to a Regions bank branch opening a new checking account. During application I showed branch rep the email offer I had. I completed {$1000.00} deposit within 30 days. On XX/XX/XXXX, I haven't received the bonus so contacted the Regions customer service and ticket # XXXX was created to research on the issue. They promised to give a resolution within 5 business days. On XX/XX/XXXX, the XXXX timeline has passed but I haven't received any reponses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per last complaint, XXXXXXXX XXXX agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow XXXX to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and XXXX have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX Both of these are medical debts under {$500.00}. They refuse to remove them from my credit report as required by law. I have been dealing with the insurance company and medical bills directly. 

Every time I call they give me a different answer and time frame for when it will be removed. It is significantly affecting my report score and financial status.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX   account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. Account XXXX XXXX XXXXXXXX15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida XXXX  and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Experian is the only CRA reporting a inaccurate Bankruptcy as XXXX and XXXX are not reporting the inaccurate public record. the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. The FCRA regulates the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Here are some key points from the FCRA related to disputes and credit reporting : Accuracy and Integrity of Information Under 15 U.S. Code 1681e, consumer reporting agencies like Experian are required to maintain accurate information in credit reports. If theres an error, consumers have the right to dispute inaccuracies with the agency.

Disputing Errors According to 15 U.S. Code 1681i, when a consumer disputes information on their credit report, the credit reporting agency must investigate the claim, typically within 30 days. If the bankruptcy entry is incorrect, Experian is required to correct or remove it. 

Investigation and Correction Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), after receiving a dispute, Experian must promptly review the dispute and re-investigate the information. If the bankruptcy is incorrectly reported, it must be corrected or deleted.

under 15 U.S. Code 1681e ( b ), which is part of the Fair Credit Reporting Act ( FCRA ).

This section outlines the requirement for consumer reporting agencies ( CRAs ) to maintain accurate, complete, and up-to-date information. If a negative item ( such as a bankruptcy, late payment, or other derogatory marks ) appears on only one of the credit reports and not the others, and the information is disputed and found to be inaccurate or incomplete, the item should be removed. 

Key points : Accuracy of Information : Under 15 U.S. Code 1681e ( b ), CRAs are required to follow " reasonable procedures '' to ensure the accuracy and fairness of the information they report.

If the negative item is inaccurate or incomplete, it may be deleted from the report.
Product: Checking or savings account

I opened I claim against my Landlord for violating my lease agreement and unlawful put me and my child out of my apartment. I submitted a claim to Wells Fargo to get back my deposit. Wells Fargo failed to process my claim for llock of documents, but at no time Wells Fargo contacted me for Documents to support my claim. I filled this claim on XX/XX/2023 by XX/XX/XXXX according to the Wells Fargo banker they closed my claim without contacting me. I were sending emails saying that the claim was still being processed. I called on XX/XX/2023 around XXXX XXXX on a recorded line, and the banker told I lost the claim for not sending documents, documents that they didn't request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX loan servicer changed, and the resulting transfer ( which was outside of my control ) resulted in a negative adjustment of XXXX for one credit bureau and XXXX for another. My credit should not be penalized for a decision that was made outside of my control.
Product: Debt collection

My complaint is regarding two companies known as Capio Partners LLC AND XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity XXXX alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX, XXXX  and XXXX  credit file. This is not my account and i want it removed from my credit files permanently. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$93.00} {$93.00} Payment Info Original loan amount {$93.00} Balance {$93.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of TransUnion who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from TransUnion furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX sister and legal guardian/Power of Attorney for XXXX XXXX XXXX- the account holder at Bank of America in XXXX XXXX TX. XXXX went into the VA hospital- XXXX XXXX XXXX XXXX XXXX XXXX TX in XX/XX/XXXX. He had XXXX XXXX XXXX  in which he became XXXX. He was transferred to XXXX, WI XX/XX/XXXX. XXXX is still XXXX which necessitated the State of WI appointing me his legal guardian. 
I tried to open a bank account as directed by the Social Security Administration and the Veterans Administration to transact his financial business and take care of his responsibilities. I was told by my financial institution that Bank of America National issued to outstanding reports of {$230.00} and XXXX on XX/XX/XXXX. I contacted Bank of America which is located in another state. I was told I had to come into their branch office with the documentation. I requested their fax process as I am not able to travel to  another state. I was denied. I have been getting the run around from their customer service to their fraud division. I have not been able to get this issue resolved. Bank of America does not have an adequate way of resolving issues for XXXX customers. I have tried to notify them of the fraud on XXXX 's account if the fees resulted after XX/XX/XXXX. I am trying to close the accounts and resolve the issues.