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

I got an email stating that I will receive my security deposit back and my credit limit has been raised from Discover on XX/XX/2021. That I should receive a check within 5-7 buisness days. I call each month and while the staff is friendly and seems helpfully on the surface, I get different answers and responses. My last conversation ended with a supervisor giving me his word that he will follow up on the XXXX of XXXX due to the policies to see if I still haven't received the 3rd check they have told me they have sent out. He will call to expedite the 4th check. Well. It is the XXXX of XXXX and I haven't received a call nor will I expect to receive one. They keep trying the avoid accountability by said the United States Postal Service isn't making due with the delivery. That it possibly got lost in transit. While I under stand that is a possibility, the odds after 3 checks is highly unlikely and a miscommunication on the address is not possible as they ask to confirm my mailing address everytime.
Product: Credit reporting

I have a student loan that says it is over 130 days late with equifax and they refuse to erase it saying it is my loan, the only thing is, I do not currently have any loans open under my name, which I confirmed with the student loan government department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my comenity bank accounts went into LATE payment due to an issue with autopay with the bank and comenity bank. Before I left for XXXX, I made sure AutoPay was on. I'm not sure what happened but my Autopay did not go through. So for two months, My accounts were not paid. I had a friend to call comenity bank to fix the issue once I realize all my accounts were late. I called comenity bank and told them the bank said it was an issue. I had many returned checks because of this. comenity bank said it was the bank fault and not theirs. 

I asked comenity bank to please remove the late fee 's since we see it was an error and I was away on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted XXXX XXXX on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from XXXX XXXX  on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At XXXX XXXX, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but XXXX XXXX continues to inform the credit companies that the XXXX payment was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  XXXX XXXX Balance {$4900.00}.
Product: Debt collection

I notice the charge of XXXX  on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX  so I XXXX  I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he XXXX XXXX will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX security breach data breach and I wonder if I was a part of the XXXX XXXX as well
Product: Credit card

Initial cared expired. 
Replacement never received although after 6+ months.

Called company to demand answers. So answers given and another replacement ordered.

I demanded the rep escalating call for an explanation to why I'm being denied my card, paying an annual fee, paying interest rate, and they are denying to uphold their end of the contract.

I was told it would be anywhere for 4 - 6 weeks another card. That timeframe has passed an still no card. 

I to this date have received nothing from the company.
Product: Vehicle loan or lease

On XX/XX/XXXXI purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Florida. The truck was listed for {$13000.00} which is Over priced for this vehicle especially with XXXX miles. But I liked the truck and I was told I would receive {$4500.00} for my XXXX XXXX XXXX I traded in. Plus The General manager XXXX offered to take an additional {$2500.00} off for me to resurface his countertops. I was told Id be around {$9000.00} after the finance charge. Two days after I left the dealership the bank called me and told me I owed {$24000.00} and my payments were at {$600.00} a month. I immediately called the dealership and told them I didnt know what kind of crooked games they were playing but that I wanted to return this truck and get mine back. They then told me the truck was already sold at auction and that I could just return their truck and be left with nothing. I asked the bank to send me their financial papers and everything is different then the dealerships by thousands of dollars. Even the interest rates arent the same. The down payments, total amount for truck, sales price, monthly payments, nothing is the same. Oh and the total amount they are expecting to receive for this truck to be paid off is {$33000.00} dealer total and {$34000.00} bank total including price for down payment. For a truck with XXXX XXXX XXXX  value of {$8200.00}. This is insane to me and they should lose there license for this! On top of all that within the first week the XXXX went out and I had to pay {$1500.00} to get it fixed just to get the truck to move. They also spoke with my car insurance company and changed my policy without my consent. The insurance company acknowledged that The Dealership requested the change and thought that I knew my insurance doubled. Which ultimately caused me to change insurance companies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address a serious issue with my credit report, where information from another individual is being incorrectly reported as mine. This mix-up is causing significant harm to my credit profile.
Product: Credit reporting or other personal consumer reports

These are all inquiries on my credit report that are inaccurate. 

XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, 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 XXXXXXXX GM FINANCIAL XXXX : XXXX XXXX, XXXX Auto Financing GM FINANCIAL Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card

BMO Harris closed my account without notifying me. I discovered this after a notification from a XXXX party company ( XXXX XXXX ) that my account had been closed. I have never had a single late payment, not on any card. I can not understand why my account was closed and a BMO Harris told me they could close my account at any time for any reason but would not provide the reason why my account was closed.
Product: Debt collection

I have reached out to company sent 3 letters I received no reply, in regards to this account.my dad and I have the exact same name & my grandpa. THIS ACCOUNT COMING TO ME AND ITS NOT MINE, ALSO I WAS ROBBED AT GUNPOINT MY WALLET WAS STOLEN WHICH CONTAINED MY DL, SS CARD, CREDIT CARDS & ETC WAS STOLEN I AM NOT SURE HOW THIS ACCOUNT WAS OPENED BUT I KNOW ITS NOT MINE .THEY NEED TO DELETE THIS RUNNING MY CREDIT, SEND ME THE PAPERWORK FOR THE ACCOUNT I KNOW THE SIGNATURES WILL NOT MATCH BECAUSE THE ACCOUNT WASNT OPENED BY ME
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced : {$5300.00}
Product: Credit card or prepaid card

My phone was stolen on XX/XX/XXXX. XX/XX/XXXX my XXXX account was hacked. I started receiving alerts from XXXX, XXXX XXXX and XXXX all of which I closed down. On Friday XX/XX/XXXX an apple credit card was delivered to my XXXX XXXX address linked to my apple account. I called Goldman Sachs the card issuer immediately. They stated an apple credit card had been opened with a limit of {$8000.00} and already maxed out. The card started being used immediately after opening by digital card- first Attempt XX/XX/27 {$5000.00} at XXXX XXXX declined. 2nd attempt of {$5000.00} successful. XXXX XXXX {$520.00} successful, XXXX {$500.00} successful. XXXX XXXXXXXX XXXX, Im assuming gas, {$75.00} successful ; XXXX  {$53.00} Declined, second attempt successful ; XXXX XXXX {$9.00} successful, followed by 3 declined {$25.00}, XXXX XXXX XXXX.00} successful; XXXX XXXX XXXX {$49.00}. They attempted to make a payment of {$5000.00} from my checking and routing account however it was denied because of insufficient funds. I learned of them attempting this by contacting my bank so I shut down this account and opened a new checking. XXXXXXXX XXXX- {$100.00} XXXX XXXX XXXX XXXX {$290.00} successful ; XXXX XXXX XXXX {$1300.00} successful ; attempted payment from my checking account {$1000.00} declined, XXXX {$76.00} declined, attempted payment from checking of {$5000.00} combined. I froze the card on XX/XX/XXXX when The physical card was delivered making me aware of the activity. When I was able to access my XXXX account on XXXX I was able to see all transactions with physical locations and amounts. I also saw multiple screenshots of my personal information from various different places on my XXXX pictures, files, links from emails. Pictures included copies of Drivers license of my mom and self, tax returns for my parents and myself including social security numbers, temporary car insurance card, moms previous debit card numbers, my XXXX login information, my Texas voting card application, my current and previous lease application, a copy of my social security card, and XXXX XXXXoan tax forms. The cards balance is {$8000.00}. The opening and application of this card and all charges placed are the result of fraud and not done by myself.
Product: Checking or savings account

On XX/XX/22, I attempted to access my account via the mobile app to which I continuously received an error message. I then attempted to access my account via the mobile web and received the same error message. I then proceeded to call CITI directly to figure out if the site was having issues only to discover that my account was restricted and pending closure 30-90 days due to suspected fraud. No heads up, email, text, call or anything. CITI also blocked my debit card revoking access to MY money. The rep on the phone asked has this happened before, I said no this is the first time. I spoke to another rep who related that it was due to a check being deposited that same day was that was apparently returned that same day due to XXXX I have no control over that. That doesnt even sound right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX XXXX XXXX XXXX XXXX  than {$500.00} will no longer be reported on consumer credit reports. but my {$470.00} is still being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX credit cards are paid up to date with balances less than 10 % carry over. This inaccurate information cause my utilization scores to be less than XXXX. My car note is also paid in full as of XX/XX/2023 with XXXX XXXX. The three credit bureaus : Equifax, XXXX XXXX, and XXXX are not reporting accurate information as a neglect.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report with your agency. Despite my consistent efforts to address this issue, the fraudulent entries persist on my credit report, negatively impacting my financial well-being and personal life. 

The fraudulent items in question such as unauthorized accounts, incorrect information which have no association with my financial history or activities. These inaccuracies are damaging my creditworthiness, causing significant distress, and limiting my access to various financial services and opportunities. 

I want to outline the history of my attempts to resolve this issue : I initially noticed the fraudulent items on my credit report and promptly contacted your agency to dispute their accuracy. 
I provided the necessary documentation and evidence to support my claims of fraud and inaccuracy. 
I received a response from your agency stating that an investigation would be conducted and that the matter would be resolved within a reasonable timeframe. 
Despite the passage of several months, the fraudulent items were not removed, and I had not received any updates on the status of my dispute. 
I followed up with your agency, requesting an update on the investigation 's progress. I was informed that the matter was still under review. 
I provided additional information and documentation as requested by your agency. 
After several more months, I received a response stating that the investigation had been completed, and the fraudulent items would be removed from my credit report. 
To my dismay, when I checked my credit report, the fraudulent items were still present and had not been removed. 
This repeated failure to rectify the fraudulent items on my credit report is causing me XXXX XXXX XXXX financial harm. I am now seeking immediate action to resolve this matter and rectify the inaccuracies on my credit report. I kindly request the following : An expedited review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. 
A thorough and accurate investigation into the fraudulent items, including the verification of all provided evidence. 
The complete and permanent removal of the fraudulent items from my credit report once the investigation is complete. 
A written confirmation of the resolution of my dispute and the removal of the fraudulent items from my credit report. 
Failure to address this issue in a timely and effective manner will leave me with no choice but to pursue legal action to protect my rights and financial interests. 

I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MI XXXX; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX. XXXX, XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX.
Product: Debt collection

I went to the XXXX XXXX XXXX 'XXXX XXXX XXXX in XXXX, Idaho in XX/XX/2019 for a XXXX  and walked out with almost {$5000.00} in medical bills several hours later. I felt the medical tests they ran were unnecessary. I spoke numerous times to the medical billing office to see if someone could see reason. I also examined the listed medical prices online and found the prices I was charged were radically inflated. The hospital refused to negotiate or reason and sent me to a collections company. I spoke several times to that collections company and was told they'd send me a copy of the bill ( which I have already. ) That's the last I've heard of them, but both the hospital and the collections company warned me this would affect my credit.

I just refinanced my home, and my once stellar ( XXXX  ) credit score had been so affected, my rate was higher and there was a medical collections on my credit report. I don't know what to do at this point.

{$5000.00} for several hours in a waiting room, and a diagnosis of " rest and drink liquids '' is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit card

I believe the account is invalid. TD BANK N.A. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. TD BANK N.A. XXXX
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card

Last month I received notification that my credit limit was decreased from Synchrony/Lowes. This month received noticed that they closed my account. I have an account in good standing. Payments made, credit limit not maxed out. Credit limit was {$1000.00} before they decreased to {$700.00}. They stated that they closed my account due to not having real estate, high balances on other accounts. I have a XXXX % payment history. I have been working on my credit to purchase a home and now this is going to set me back by my account being closed. I attempted to speak to them and they kept citing the reasons why my account was closed. Not understanding myself why an account could be closed with payments being made and had available credit on account and why they are citing reports from credit bureau as the reason they closed my account. My account is not in default and monthly payments are made. I have had this card for XXXX years and have not been a liability but suddenly I am.
Product: Money transfer, virtual currency, or money service

PayPal does not disclose the amount of transfer fees or time it takes for funds to transfer prior to the customer selecting the transfer option. 
I was charged to send money and it took 7 days for the funds to transfer and was not advised of the fees