23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a zero balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX  and Equifax. 

I checked my report on XX/XX/XXXX, on both XXXX and Equifax my credit account still noted closed. At this time I received results from XXXX  stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with Equifax ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting information.
Product: Checking or savings account

My capital one account is restricted because I am out of town for an extended period of time, and I therefore am sometimes using one of my 2 phones, or my computer here or my computer back home in Pennsylvania via a Remote Desktop connection client. This means that my IP address has me in different locations at once. I understand when capital one first restricted my account, but I called them and cleared it upI sent them photos of my Drivers license ( twice ) and provided them with all the information that they had asked of me. Although the restriction was lifted, I was never able to use my account again. No matter what, there was no moving money in or out of my account. The restriction was placed back on my account again, and this time, they have informed me that they will be closing my account, which I think is complete XXXX. Why should I have to wait weeks or longer to see the money in my account again? Because I use a Remote connection client? Really? Something does not seem right about it and I am very tired of the abuse that banks have taken the liberty to inflict on innocent bystanders such as myself, restricting access to everything I have on a whim. It is not ok. Capital one has all of the information that they had asked of me, why is my account still blocked and why is it being closed? I beg to differ.
Product: Credit card or prepaid card

My Edd card account has fallen into disqualification and Im trying to activate my card online, but it doesnt go through so I. Called boa to activate my card after all Im trying to get a username so I can transfer my fund out My name is XXXX
Product: Checking or savings account

My chase checking account I believe has been duplicated using my information to make another checking account with my same credentials by way of phone. My phone has been hacked several times since XXXX and have even been gang stalked. This past week has been a nightmare because my phone has been hacked in to every day this week. When I checked my bank I noticed a lot of unrecognizable transactions. My another phone was hacked into at the beginning of the summer but hadnt checked my bank account thoroughly. Also a lot of repetitive XXXX transactions that I clearly do not recall. Somebody has been XXXX  themselves a few hundred here and there. The gang stalking begins shortly after they find out that I realized Ive been hacked. Also my car was also hacked into to see my where about I would guess. Theyve intercepted XXXX, XXXX, and I believe XXXX calls Ive made. Ive walked into Chase to ask for printouts and try to explain my situation and staff was zero help or concerned. I went to XXXX several times to replace my SIM and eSIM several times as well with no luck because shortly after they would right into it again. XXXX support send me to XXXX XXXX XXXX XXXX and they were able to help so I came home and hooked up to my XXXX XXXX  and rebooted it myself and speechless as how I could and they couldnt. Maybe they track to see where Im going for phone repair and call and act as law enforcement? Pleas help!
Product: Checking or savings account

Pnc has updated and is not letting me utilize the company, XXXX, to deposit and invest funds with.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon making a complaint to CFPD on XX/XX/2021 about TranUnion sending inaccurate to several monitoring companies. TransUnion Deleted All but one account on my credit report. I have enclosed documented proof of from the monitoring companies XXXX, XXXX, XXXX XXXX, XXXX XXXX.However on my current TranUnion credit report i have sevveral open accounts. I spoke to a TransUnion about this violation on XX/XX/2021. The agent state they have technical issue and may take 1 or 2 weeks.This continued violation of the FCRA is causing financial difficulty getting financing.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate address information currently reported on my credit report. Upon reviewing my credit report, I noticed that there is an incorrect address listed which I have never resided at or used in any capacity. 

The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX The correct address should be : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX This erroneous address information is not only inaccurate but could potentially impact my creditworthiness and cause confusion in my credit file. I request that Equifax promptly investigates this matter and corrects or removes the incorrect address from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my correct address. 
A recent utility bill ( or bank statement ) with my correct address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect address has been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the correction. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I applied online for Savor One card, advertised as {$200.00} bonus after spending {$500.00}, no int for 15 mos. Received card, but being charged 29 % int and no bonus. Discovered this after paying bill online. Contacted company, no reason given for advertised rate and bonus not forthcoming.
Product: Debt collection

I have reviewed my credit report and have identified several unauthorized or inaccurate credit inquiries that are negatively impacting my credit score. Duplicate derogatory balances. I have settled this amount and still see it on my credit. 

According to the FCRA you are required to investigate, review and close these duplicate balances if deem accurate within 30 days of this request. 

The reporting company is DEPT OF ED/AIDV.
Product: Credit card or prepaid card

Please reference XXXX that was closed. 

The credit card was closed and the full payment balance was paid and despite this Wells Fargo placed charges on the card that were not made by me and is now charging me late fees and interest on this fraudulent charge that THEY placed on my card that was closed months before.
Product: Credit reporting or other personal consumer reports

on several occasions i have attempted to dispute the validity of the inaccurate and improper inquiries being reported by equifax and they keep sending me standardized reporting that is without merit. no one is looking at my dispute at the company they are instead using computers to investigate the dispute and its frustrating. 
i am a victim of identity theft and of the equifax and XXXX  data breach. someone without my knowledge or permission has attempted to finance a car in my name. i haven't visited a dealership is years and have not applied for or wanted a new car or to finance one. 

Equifax claims these are inquiries from companies to whom you have applied for a loan or credit this statement is a lie, not based in truth or facts and they refuse to cease and desist reporting false and misleading, inaccurate and fraudulently obtained information make them stop! 

its clear as day i never applied for credit because if the companies pull their false copies of information, theyll see applications for credit or a loan with just my first and last name, a clear sign of fraud because in all actual contracts, credit accounts and loans i use my full legal name, and this is how i know its my contract and i applied for said loan or credit, Any inquiries from fraudulent contracts with just my first and last name are fraud and it needs to be deleted and never falsely reported again to Equifax. 

i called XXXX  and they have deleted the w and misleading, fraudulent inquiries. 

i have a credit warning placed on my credit report files as well as a credit freeze, yet Equifax still chooses to report this false and misleading information. they wont even let a human conduct the dispute like asked them to do so in writing. they keep letting the XXXX computer conduct the dispute. it should be illegal to let computer conduct human related disputes, computers have no common sense.
Product: Credit reporting or other personal consumer reports

Chek System has verified I dont have an account with XXXX XXXX it states and in there dispute however they wont remove it
Product: Debt collection

I had a XXXX account with XXXX. In about XXXX of XXXX I had to close the account. XXXX was able to close the account for me. However, they indicated that they were going to charge me the full month of service, but then pro rate it from the day of termination and provide me a refund. So I had the full month charged and paid, but then XXXX owed me a {$160.00} refund. Due to what I have been told several times by XXXX customer service representatives was a " system glitch '' I was not in the system as " being owed '' {$160.00}, but rather I owed them the money. 

I have called XXXX countless times and each time they have apologized and promised to fix it. After a year of this complete incompetence, XXXX finally sent my refund check in the mail in the amount of {$160.00}. I received the check XXXX of XXXX. Yet still to this current day ( XX/XX/XXXX of XXXX ) I am in collections with XXXX. I have been in collections for over a year. My credit score has been destroyed due to this " serious delinquency. '' And XXXX has given me no recourse. I can not even get through to their collections department. There is no email to contact XXXX. It is just endless transfers from department to department. The only way I was able to get through to XXXX after an hour of endless transfers was through an automated chat. And then after the chat was completed there was no option to save the chat for further reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is difficult to get through and speak to someone to have them correct this information. This false info can affect my score
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX I am writing to dispute multiple inaccuracies in my credit report as provided by your company, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are listed below : Account 1 : Account Number ending in 5400 Account 2 : Account Number ending in 3499 Disputed Items and Violations 1. Inaccurate Future Reporting Date Both accounts show a Date Reported of XX/XX/year>. Reporting a future date is inaccurate and violates : 607 ( b ) Requirement to maintain maximum possible accuracy.

2. Missing Date of Last Activity The Date of Last Activity is not reported for either account. This field is critical for determining when the accounts should fall off my credit report. This omission violates : 605 ( a ) ( 4 ) Derogatory accounts can only remain for 7 years from the date of first delinquency.

3. Charge-Off with Incorrect Balance Both accounts are listed as CHARGE-OFF but still report a remaining balance of {$490.00}. If the debts have been transferred, settled, or sold, the balance must be updated accurately per : 623 ( a ) ( 2 ) Furnishers must correct or update incomplete or inaccurate information.

4. Prolonged Reinvestigation Process My credit report states Reinvestigation in Progress for these accounts. If this dispute process has exceeded 30 days, this violates : 611 ( a ) ( 1 ) Credit bureaus must resolve disputes within 30 days.

5. Missing Creditor Information The Original Creditor Name field is blank on these accounts, preventing me from validating or disputing the accuracy of the debt. This violates : 609 ( a ) ( 1 ) Right to access the source of the information.

Requested Action Under my rights outlined in the FCRA, I am requesting the following : 1. Conduct a thorough investigation of these inaccuracies.

2. Correct or delete the disputed information from my credit report if it can not be verified.

3. Provide me with the updated results of your investigation, including the original source of the information. 

If you are unable to verify the accuracy of these accounts, I request the immediate deletion of the accounts in question, as required by the FCRA.
Product: Checking or savings account

My husband and I moved from XXXX  to XXXX  in XX/XX/year>. I waited until anything outstanding cleared and called the branch of Regions Bank where we opened the account to request to close it. They informed us we could only close the account in person. The availability of XXXX should make this transaction a no brainer. We recently purchased a home and several acres in XXXX  without ever stepping foot in that state with no problem at all. It seems silly that a simple checking account can't be closed by phone or by mail with all the proper documentation ( signatures, drivers license etc ) Not to mention, we feel like we're being extorted for the monthly service fee, and if the balance would fall below XXXX, be on XXXX XXXX! Please help us resolve this.
Product: Credit reporting or other personal consumer reports

I've been dealing with this issue since last year 2022. I am a victim of identity theft. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Checking or savings account

To date, XX/XX/2023, after multiple emails and contacting the XXXX " Emergency Support '' and their XXXX Department and giving them the filed police report information, the " provisional credit '' still has NOT BEEN POSTED as available credit to my account. This violates the terms and conditions of the XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX 's " ZERO LIABILITY '' policy. This also violates the Cred.Ai deposit account agreement by not reporting the proper balance into my account. This intentional negligence and multiple agreement violations has caused insurmountable financial losses and infliction of continuous emotional distress and extreme stress ; I have been evicted, lost my car and my credit worthiness has drastically diminished.

WSFS Bank and XXXX XXXX XXXX XXXX  dba XXXX FAILED to protect my account by providing " 2-way fraud text alerts '' and aTeam of Anti-Fraud Specialists to monitor my XXXX credit card and online banking activity for changes to accouont 's regular banking patterns.
Product: Debt collection

I keep receiving debt collections attempts and reported to the credit bureau from a company name XXXX XXXX under the account number XXXX for the amount of $ XXXX Dollars.I had never had any businness with that company, they actually do not provide services within the city/county where I live.I have never been or stay at the area they provide services. My credit report keeps poping up that debt even do it was closed in the past. I submitted a identity theft report and contacted XXXX in the past. I actually sent all proof to an email they gave me XXXX under the subject : XXXX XXXX. I need my credit report to be clean since this is affecting seriously my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Belk Credit Card. My complaint is as follows. 

Aproxamitely 6 months ago I recieved a new Belk Credit Card and the old one was canceled without my knowledge or consent. 

The new credit card kept giving me issues, and even though I'd call and activate the card it would still read as not activated. 

When I tried to use the card, I was locked out of the card and had to do verification with a picture to Synchrony. 

Then I was automatically disenrolled from paper billing to paperless billing. When I did not recieve a bill in the mail I became late on a payment. I immediately called, made a payment and reported the issue to an associate. 

The associate stated that they fixed the problem however I was still not recieving mail. This occurred 3 months ago. 

Without any letters in the mail, email or as much as a phone call. I get a hit on my credit report saying my account is passed due. I call them to find out I am past due 30 days on a {$4.00} payment. I immediately make a {$50.00} payment and when I inquire as to why I was never notified they stated I was still paperless in billing. They said that they would investigate. 

I login to check my account and find out that my credit card is still not activated online or that it's been deactivated. Also I find out that they changed my credit limit to the amount that was due on my card, making it appear as if my card is maxed out on my credit report. They cut the card by half on the credit limit. 

This was very upsetting. I believe that due to being on the service member civil relief act, that this is being maliciously done to me by Belk Credit Services. They have never notified me, emailed me, or as much as given me a phone call. 

I would like to remove this from my credit report and will be closing this account and paying whatever I owe them in full at the end of the month. I have had this line of credit with them for years, this only occurred after I requested my benefits for the 0 % interest rate. I will be taking this up with JAG as well to see if I can pursue any legal action if an investigation actually gets conducted by them. 

Everytime I call to inquire, somehow it's my fault they never reached out to me. I have multiple accounts with many other companies this is the only one I've ever had problems with. Also to add today I called them again and they say they just sent me a letter stating my credit limit was getting cut in half even though they already have cut it and this is being done after the fact. I believe it's to cover up a mistake that was made on their end.
Product: Checking or savings account

Someone just closed my account without me being able to get my money because someone else has access to my account but unsure of how