23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX an individual gained access to my Chase Banking Accounts including my Chase Freedom Credit Card. 
On XX/XX/XXXX met with a Chase XXXX XXXX XXXX who was able to secure my accounts. On XX/XX/XXXX I spoke with someone in Chase 's XXXX XXXX XXXX who further secured my accounts and ordered a new credit card. 
On XX/XX/XXXX I received my new credit card but noticed XXXX points were missing. After contacting Chase found out the XXXX points had been stolen from my Chase Freedom Credit Card without my knowledge or consent and used to buy digital gift cards. During the next month I had numerous calls with Chase 's XXXX Department with assurances the points would be adjusted back to my account culminating with me writing a detailed letter to the XXXX XXXX on XX/XX/XXXX. 
About a week later I received a call that the points would not be adjusted back to my account. 
I decided to try XXXX more time so on XX/XX/XXXX I called and again was assured the points would be adjusted back on my account within XXXX business days and a ticket # XXXX was made. On XX/XX/XXXX I called and was told it could take another week. Today I called back and again was told another wait another XXXX business days as the account was still being reviewed. I have lost hope in Chase making the adjustment of the XXXX points. 
On XX/XX/XXXX I started the process with the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

I had a credit account with Lane Bryant/Comenity Capital Bank which I closed back in XXXX of XXXX They confirm that the account is closed. Every month since that time I have received a bill for the account assure and they charge me minimum interest. I have paid it each month. I then call customer service to talk them about why I keep getting charged and they tell me that once I pay the bill in full that I won't get charged again. Which then I get another bill. This has been happening for 7 months. I can't see how it's legal for them to keep charging interest on XXXX balance/closed account for 7 months and then reporting a late payment when I missed paying them for interest that they said I wouldn't be charged, I am so angry that I keep having to deal with this and wasting time/money paying them and calling them to get it stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX According XXXX FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX XXXXXXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX   lnquiries : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian regarding their handling of my dispute letter sent on XX/XX/2024, via USPS certified mail tracking # XXXX. In the letter, I requested an investigation into inaccurate items on my credit report, including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and two bankruptcy references : Bankruptcy - XXXX and Bankruptcy - XXXX. Additionally, I disputed incorrect personal information listed on my credit report and provided a copy of my photo ID, social security card, and recent bill with my current address to help Experian verify my identity and address. 

Experian responded on XX/XX/2024, stating that they received a request regarding my credit information but could not verify its authenticity. As a precautionary measure, they mentioned that they had not taken any action on my alleged request. 

This response indicates a failure on Experian 's part to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). It is their responsibility to verify the accuracy of the information in my credit report, and their failure to do so constitutes a violation of my consumer rights. 

Enclosed with this complaint are copies of my dispute letter sent to Experian, USPS certified mail proof of delivery, and Experians response as proof.
Product: Credit card

I withdrew from a retirement account upon switching employers at the end of XX/XX/year>. On XX/XX/year> I committed a payment of $ XXXX to complete a total debt payoff for my Paypal credit card powered by Synchrony bank. It should be known that at this time I simultaneously successfully paid off credit cards from XXXX XXXX, XXXX XXXX, XXXX and other store cards at this time. 

Paypal failed to process my payment timely on XX/XX/XXXX and instead did not attempt to pull the payment until XX/XX/XXXX. This is a full XXXX weeks after my submission. At that time I found out that the bank failed to pull out this amount, charged me a late payment penalty and a bounced check fee for THEIR BLUNDER. 

I once again tried to complete a major payoff for my credit in about {$1400.00} I believe to seriously reduce the amount of my balance. Paypal failed me again by not taking my payment for over 14 days and trying to pull from my account after other monthly bills had been scheduled to come out.

They have since closed my account and refuse to hear my arguments about their failure to accept my timely attempts to pay off my balance. I believe this is a predatory attempt to leverage interest against me by not allowing me to pay off my debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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
Product: Bank account or service

Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account.
Product: Credit reporting

I am a victim of fraud as of XX/XX/XXXX. Needed to contact Transunion to 'freeze ' my credit and went to their website where they asked for my social security number. The page had https canceled out so the site was n't secure. Went back today and the url had https until I refreshed a few times and then it went back to http. Looks like they have a server that is insecure which is jokable since this is a site to report fraud. Once you are on the insecure server you can not get back onto a secure one. 

example : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've attempted multiple times to freeze my credit report online with Equifax. I routinely encounter an error message online. I sent a letter in requesting the freeze. I want to make sure that the freeze has actually gone through since I do not know if the letter request arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  all have violated my rights. 15 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2022 XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, Inquiries ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX  A Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Continuation of complaint XXXX XXXX XXXX  have me a reference number of XXXX XXXX XXXX accepting a XXXX credit in my behalf in XX/XX/XXXX. They werent able to reverse the credit because XXXX  accepted it. 
Reference XXXX I spoke to XXXX  because I also have a blue XXXX. I was told XXXX XXXX did accept the XXXX credit in my behalf. Apparently it was transferred XX/XX/XXXX to Citibank visa XX/XX/XXXX as I was told my customer service XXXX. Citibank has no record of receiving this XXXX. 
Ive spoken to managers at XXXX  and no one is willing to help me obtain the XXXX you accepted in my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and Experian are in direct violation of the FCRA and Gamm Leach Bliliey Act of 1999.
Product: Mortgage

Wells Fargo transferred servicing of my loan to XXXX XXXX XXXX as of XX/XX/XXXX. They claim to have sent an " information packet '' to XXXX on XX/XX/XXXX which would show me as the authorized user ( the loan is in the name of an estate I am the XXXX of ). As of XX/XX/18, XXXX has no record of me and therefore will not discuss the mortgage with me. Despite WF 's claim that the loan would be transferred exactly as it was, XXXX does not show the COVID forbearance in place and therefore has the loan as 6 months past due. XXXX has also issued payment for taxes that were already paid. WF refuses to provide any information as to what was sent to XXXX, thereby shielding themselves from any claim of failure to exercise proper care in executing the transfer. I assume both companies are to blame, but I have no way of getting anywhere, instead simply being batted back and forth between them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed in this report are not mine. I have never done any business with or heard of this company. XXXX XXXX or the medical account listen on my credit report. I have tried to resolve this with the credit bureaus. I demand immediate removal and accounts blocked from both of these accounts from ever reporting in the future or being sold to any other illegal third party. Also, the law states any medical debt reporting is a hippa violation and must be removed. I'm a victim of identity theft my personal information was stolen due to the Equifax and XXXX data breach as well as the XXXX. My information was also found on dark web names listed on my report and address, not mine. Failure to comply and remove these accounts will result in a lawsuit and XXXX per violation. I demand the removal of these accounts immediately as the law states all information must report accurately and truthfully. This is defamation of my character and has caused my score to drop demand removal and blockage. 
remove these accounts immediately. 
I have also attached an FTC report.
Product: Checking or savings account

I had a bank account with first national bank for about 4 years and they fired me telling me that I was a fraud risk. A month later I got my social security XXXX which half of it was fraudulently taken from a XXXX account. I had to open a XXXX account because no bank was accepting me. Somehow FNBO knew something that they did not disclose to me not did they even try to guide me to a. Solution. They kicked me off the property when I asked how they could call me a liability, they said it was because I tried to cash a check for my friend, that was no longer good. It had his name typed on the check so how was I to know the check was no good. They did not even cash it, so why did they fire me, what did they know that they didnt tell me. It set me up for failure and the money is still gone and all my devices hacked.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed Accounts : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} Account Name : XXXX XXXX XXXX BANK - {$12000.00} Account Name : XXXXXXXX XXXX XXXX XXXX  - {$6400.00} Reason for Disputes : Account created due to breach, identity theft, and unauthorized access. 

XXXX XXXX Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : XXXX ( Not Mine Fraud or Identity Theft ) FCRA XXXX ( XXXX U.S.C. XXXX ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts. 
Implementation of a fraud alert and security freeze to prevent further fraudulent activity. 

Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Capital One closed my secured card account because one of my bank accounts closed. Once a payment was reversed from the closed account, I made a payment from my other bank account that I have been making payments from, I am not sure why they would abruptly close my account. 

they provide this : Dear XXXX XXXX XXXX, We're closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. 
Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc. 
You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches zero. 
If you have questions, please call us anytime at XXXXCAPITAL ( XXXX ). 
Sincerely, Capital One EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX, DC XXXX