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

Hello, I was making a large purchase at Home Depot to remodel my home the Home Depot representative suggested I open a Project Loan Card to pay for all the materials up front to avoid issues with inventory material availability. I informed the store representative that I was not interested in being charged heavy interest charges and was informed that I would only be charged a fixed low flat rate for the entire balance and period of use. I agreed and filled out the application. This took a few hours and the store was closing once complete I was being checked out with my purchase items and was informed I did not have enough credit limit to cover all the cost. This is when the store representative told me they could also open another account ( Home Depot Store Card ) to cover the rest of the balance again I informed the representative that I did not want to be charged unnecessary interest charges and was quickly interrupted by the store representative that I would not have to pay any interest for the first 24 months because I was a new customer opening an account. Believing this was a good deal and not being informed of any other stipulations ; I agreed and my account was opened and I was provided no other documentation on the account details. Without my knowledge I was charged retroactive interest for the original purchase balance. When I discovered this I requested these fraudulent charges be reversed and was informed that this was not possible due to the amount of time passing even though the charge was fraudulent. The customer service representative did not submit my request for fraudulent activity and no investigation by the Home Depot Fraud department was executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I an entry on my XXXX  Credit Report about a {$250.00} debt to HSBC ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I had my cell phone and wallet stolen from a park. The following day, my Wells Fargo debit account was riddled with fraudulent transactions, including a check deposited to my account, and the funds from the check being withdrawn via atm and XXXX XXXX. I was also locked out of my online banking account, making it impossible to see what was going on. I reached out to Wells Fargo to submit a claim. I told them my situation and that whoever had my card also had my cell phone so they had access to my online banking, phone number, and XXXX XXXX. The fraud department removed many of the invalid transactions, but denied my claim on the check and subsequent withdrawals. This has left my debit account with a negative balance of around {$5700.00}. They expect me to deposit the negative balance, even though Im not responsible for the missing funds. I have requested an appeal on the denied claim but am not hopeful in it resulting in my account being credited.
Product: Debt collection

This complaint is following an attempt by Uplift in collaboration with XXXX XXXX to defraud a customer for services they did not provide. I had filed a complaint against uplift in 2022 for a full refund of the money I paid to them for service that was never received after a representative of XXXX XXXX misplaced the birth certificate of our daughter jeopardizing our planned vacation trip. To add salt to the wound, Uplift did not only refuse refunding the money we had paid to them, they are attempting to ruin my credit by sending the balance to collection. This is nothing short of a mean and heartless set of individuals out to rob united states citizens of their hard earned money and credibility. Uplift, through a collection agency known as XXXX XXXX XXXX, reported a balance of {$780.00} after withholding over {$1200.00} that should be refunded. This credit reporting has caused damage to my credit score and it is affecting me negatively which goes to buttress the reason for filing this complaint as this is a mean-spirited move by uplift and all involved to further ruin my credit.
Product: Credit reporting

I NEED EXPERIAN TO REMOVE ALL DISPUTES AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND I CAN NOT GET IT UNTIL ALL DISPUTES AND DISPUTE COMMENTS ARE COMPLETELY REMOVED.
Product: Mortgage

I sold my house in XXXX  and paid off the mortgage with Mr. Cooper in XX/XX/XXXX. I moved to XXXX, where I am trying to buy a house. Mr. Cooper has never reported the mortgage history on any credit bureau. I need that history reported to complete my new mortgage. 
I contacted Mr. Cooper on XX/XX/XXXX, and asked them to report it. Unsatisfied with the answer, I spoke with a person identified as a supervisor. He told me because we had experienced a bankruptcy in XXXX, that we should have reaffirmed the mortgage and did not. We were unaware of an action called reaffirmation. He said Mr. Cooper could not report anything to a credit bureau due to the non-reaffirmation. 
I told him I would be contacting the CFPB ( on the advice of our new lender ), and he said " go right ahead '', implying he was not going to do anything to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.
Product: Debt collection

The company reported a collection account on my credit file that I do not recognize or believe to be inaccurate.

I requested validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) to ensure the debt is legitimate.

The company failed to provide proper validation ( e.g., original creditor details, signed agreement, or proof of debt ownership ).

They refuse to remove the inaccurate item, despite their legal obligation to only report verified and accurate information.

Their failure to comply with 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681s-2 ( FCRA ) is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an FTC Report regarding the fraudulent/unauthorized inquiries on my credit report. I have attempted to fix this issue with Equifax multiple times.
Product: Checking or savings account

My husband ( now ex-husband ) opened up a CD, IRA in my name in XXXX of 1990 at the XXXX XXXX  in XXXX NJ. It was in the amount of {$620.00} with an 8.20 % interest rate that would mature when I am XXXX years old. I am currently XXXX years old. 
I have been holding onto this paperwork since my divorce 18 years ago. I have contacted the bank PNC which bought out XXXX XXXX in the late 1990 's. They report having no records of the above CD. I have been given the run around and can not find any support. 
I have the paperwork in my possession. 
Please let me know what my options are. Thank you kindly for attending to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In year XXXX I had lost my job and couldn't make any payments I contacted XXXX XXXX  about my situation now in XX/XX/XXXX my kid Dad had took my car to the store and supposed to come back that day so a week in a half went by been calling XXXX XXXX XXXX to bring my car to my resident he never brought my car back so I contacted the police they told me to wait ten days if he doesn't bring it back than call to report it stolen so I called my kid Dad and told him to bring it back he still hasn't so the next day I called the police again to find the location of the car it was towed away by XXXX XXXX in XXXX Texas I called XXXX XXXX and let them know that my car was not at my residence and that it was towed away at my kid dad resident so in XX/XX/XXXX XXXX XXXX tow had sold the car to someone in California all and all I just couldn't afford the car and my kid dad never help me to get my car back and now I'm stuck with {$14000.00} balance on my credit it just been really hard on me these past few years I have no job no car and XXXX XXXX XXXX XXXX XXXX XXXX kids So just gotten a collection letter from Northstar Location Services , LLC is a debt collector on XX/XX/XXXX for XXXX XXXX
Product: Student loan

In XXXX XXXX I obtained a student loan of {$15000.00} for my child to attend college. 
Over the years I have fallen behind a few time because I have XXXX daughters to raise. I was repeatedly offered to put my past due balance to the rears of my loan to bring it current. Basically the collections department does not offer any help other than to increase the amount owed by refinancing every time you get past due. On XXXX XXXX, XXXX I will have been paying on this loan for 10 years and I still owe {$10000.00}. Navient debits my account each month. The collection department also has called my family members and let them know about my past due account. To date I have paid {$19000.00}. My child went XXXX XXXX XXXX XXXX, Tn.
Product: Checking or savings account

TD bank has been sending me paper statements since I opened my checking account. I have NOT and did NOT request these statements. Initially, these statements were {$1.00} then a few months ago they increased to {$3.00}. I called in to inform them that I did NOT request these monthly statements and requested my {$3.00} refund. I was given the {$3.00} refund and was informed that I had to download their application ( APP ) and sign in my account to stop getting charged the {$3.00}. I dont wish to download TD bank app or receive their paper statements. Is it legal for me to be charged {$3.00} if I refuse to do both? I have since been charged again on XX/XX/23. Thanks for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant XXXX whenever I can not get approved for new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has, for many years, misreported my credit to status to lenders. Either old or resolved debt still shows on my credit report. Just recently now, on XXXX/XXXX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX to assist my son in purchasing his first vehicle. My name is XXXX XXXX XXXX and my son is XXXX XXXX XXXX. After he ( XXXX XXXX ) submitted his information to have his credit ran, all information regarding my own credit was listed under his name. To add insult to injury, I tried to co-sign for him and my credit score came back as his credit score! The car dealer said there was no mistake in the social security numbers we provided them and that Experian has our names/accounts listed with the same information. I have documentation to support this. 

Out of all 3 major credit bureaus, I have only had issues with Experian and their reporting tactics. It is extremely unfortunate for me as I live on the east coast and almost all lenders/credit cards rely on Experian. This has been happening for years to me and I have tried to resolve this unsuccessfully through law firms and Experian as well. XXXX/XXXX all have my credit in the XXXX range but I have been turned down credit so many times because of Experian 's false reporting. It is unfair that they do this to so many others. Please help them report my credit correctly!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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.XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I became a victim of identity theft in 2010 and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or XXXX XXXX XXXXXXXX, XXXX XXXX, and Chase. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number.
Product: Student loan

FedLoan sent me a letter stating that they have evaluated *all* of my employment history for the federal student loan forgiveness program. This is not possible, as I sent in 12 years worth of history / forms, and they have only looked at and counted five years worth of my forms. This type of communication is inaccurate, and causes anxiety. They are impossible ( IMPOSSIBLE ) to get a clear answer out of. When I try to call, I am often on hold for 4+ hours, and sometimes am hung up on by the customer service rep who answers. I expect more expedient and complete counts of my qualifying payments toward my student loan forgiveness.
Product: Credit card or prepaid card

Capital One Bank is reopening a charge off account and adding late payments to the credit report! This account was originally in a chapter XXXX plan, however, i had the bankruptcy dismissed for personal reasons. In XX/XX/XXXX i reached out to them to try to settle the account in full. My only requirement was to have the account completely removed from my credit reports as a sign of good faith.This is a tactic that alot of creditors are doing in order to get the accounts resolved. In my opinion, people would pay their debts if they were willing to do this. Noone wants to pay and still have it remain on their reports for 7 full years! They refused! They said they cant change the way it is reporting accurately! After i reached out to them, they changed my credit report and added alot of delinquency late payments even though it has been closed for a while! I reached out to them to settle it, and they do this! They are not allowed to reopen a charge off account and start reporting late payments in a way to get me to pay. I offer to pay it, but they wouldn't take my offer! This is unlawful!!! They are continuing to report negative late payments to my credit reports!!! You can see in XXXX there was no reports of negative information. That did not start until i reached out to them to settle! They reoped the account and started reporting late payments again! They are using it against me!
Product: Checking or savings account

PNC bank blocking XXXX to XXXX mobile banking service
Product: Credit card

Submitted dispute XX/XX/XXXX about 2/3 days after unauth trans. Avant credit card failed to investigate in timely manner and sent a letter XX/XX/XXXX saying its past the investigating time so they cant look into my dispute 5 months later. Avant has all files that I did everything correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately. 
5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a lease agreement with Santander by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the Santander class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a 3rd party collections agency that Santander sold the account to called XXXX XXXX. The charge off for Santander is not set to be removed until XX/XX/XXXX and the account with XXXX XXXX, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both Santander and XXXX XXXX numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTY THEFT AND THIS IS FOR CHEX SYSTEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion smartmove is reporting an eviction I was never evicted from XXXX XXXX and called TransUnion on XX/XX/XXXX and was told it will be removed and today I am being left homes less with children because of this matter its Im correct and want it deleted or I will contact my attorney
Product: Mortgage

Wells Fargo sent me a notice on XX/XX/2018 requiring additional flood insurance on my home and stated if they placed it the cost would be {$9.00} annually. They then charged me XXXX which is an increase of 700 %. When I called to question the amount I was told they can do anything they want.
Product: Credit reporting or other personal consumer reports

Kindly remove this account as it doesn't belong to me, and I'm distressed to find it on my credit report. I'm disappointed with the company for putting me through this, and I urgently request the removal of this entry from my credit report. It's definitely not my account!
Product: Credit card

Disputing unknown Open accounts Requesting More information from company did not get anything
Product: Credit card

I contacted Synchrony Bank on XXXX XXXX XXXX due to the " Important Changes to Your Account Terms '' notice. It stated that as of XX/XX/year> there w/b changes to the Promotional Fee and the Returned Pymt Fee could increase to {$41.00}. I noticed in reading further that additional changes related to receiving a paper statement would be charged in the amount of {$1.00}. I had never heard of such a charge and thought that it was unconscionable... forcing customers to receive email statements who might not have email, the elderly and those without computer access. Customers who signed an agreement prior to this change should be grandfathered in, receiving the paper statements without charge. Doesn't seem reasonable for a charge to be announced midstream. I have tried to receive statements via email from other providers and went back to paper because of the ease of loss within a mountain of emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX pictures that are highlighted showing that every single bureau is reporting something different, per the FCRA anything reporting to the credit bureaus should be 100 % accurate and it is not.