23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Immediate Removal of Fraudulent Accounts and Inquiries : The credit reporting agencies ( TransUnion, XXXX, and XXXX ) should promptly remove all fraudulent accounts and inquiries from your credit report that were a result of identity theft. This should be done within the 4 business days required by law. Provision of an Updated Credit Report : After removing the fraudulent information, the agencies should provide you with an updated copy of your credit report, free of charge, to verify that the unauthorized accounts and inquiries have been removed.
Product: Checking or savings account

I recently had a dispute with with Capital one bank because of a merchant named XXXX XXXX. My Capital one account information was compromised and there were XXXX unauthorized transactions for {$5000.00} and {$4700.00}. I then received my funds and got an email that stated the investigation was over and competed and my dispute have been resolved. Capital one bank then restricted my checking and savings account a few days later saying they will close out my account while it is under review, and they will send me a check in the mail after closure. I asked when will the review be done and close my account so I can get my funds, but they would not give me a date of closure or explanation of whats going on, and when I can receive my check. I have all my hard earned money in there. Also they would not let me go in to a physical branch to get funds either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX of 2019, XXXX converted its Mastercard accounts from servicing by XXXX to servicing by Capital One. 
This conversion was plagued with poor support and communications. The online management websites were NOT transferred or converted directly. Unknown to us, the autopay we previously relied on to make the payments was discontinued. Capital One required that we create an entirely new website login. Since our method of statement delivery was online, we were basically blacked out of any communication for over 60 days. That is, the new emails describing the switchover were going into our junk folder. During this time of first notification and conversion, we were not receiving these important emails from Capital One. Finally, after we were over 30 days late with a payment, we received a phone call from a phone number we didn't recognize, so we skipped it. No message was left. 
Eventually, we did answer that phone call, and made numerous attempts to create the new website login and autopay. The system kept asking us to create a new login, but after entering our information, it blocked us from continuing, saying we already had a login. 
The result of their inept conversion of accounts was that we were over 30 days late with payments several times. We were making payments, but the timing was off from our previous XXXX account. We were punished each time with late fees - and after the third time, our interest rate was raised to the maximum penalty amount. They also cancelled our account, resulting in a poor credit rating. 
NONE of this would have happened if the conversion XXXX did from XXXX to Capital One had not occurred. We were ALWAYS on time with payments prior to the conversion, AND we paid several promotional purchases off ahead of their due dates. 
We contacted XXXX, XXXX, and Capital One several times regarding these issues with no result. Now we find the interest rate has increased even further, making it impossible to EVER pay this account off. Most of the late fees were not refunded. 

Since finally fixing the issues, we've made payments through autopay on time every month just as we did with XXXX. 
Thank you.
Product: Bank account or service

MY BANK RECORDS FROM ASTORIA BANK WERE RELEASED TO AN ATTORNEY WITHOUT ANY SUBPEONA OR LETTER SEND TO ME REGUARDING RELAESE AND THEY HAVE NO RECORD OF ANY
Product: Credit reporting or other personal consumer reports

There is items on my credit that do not belong to me. it is a lease that is XXXX it is another one that is XXXX there is another one that is XXXX i contacted the credit bureaus to get them to investigate the items they refused and told me to do my own investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX  Account # XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account : # XXXX Amount : {$2200.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, There is information that is 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 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. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 four accounts for Radius Global Solutions appeared on my XXXX  credit profile that appears to be duplicated with no account numbers. The amounts in question are for {$1500.00}, {$1500.00}, {$110.00}, and {$110.00} l have no knowledge of these debts and want them removed from my credit profile by this company immediately.
Product: Credit reporting or other personal consumer reports

I demand that all charge offs be removed from my credit report because according to 15 USC 1681 ( 2a ) ( I ) all charge offs are considered a transaction and income on all Corporation or Banking institutions Ledgers. They filed 1099c on all these charge offs and failed to report them to me according to the IRS. So, they must be removed. I also did not give permissible purpose to let ANY organization report ANYTHING on my credit. If I did, I am now revoking all authorization for doing so. I'm also demanding that all inquiries be removed because my Information has been compromised on XXXX different occasions by these companies XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX and i can't remember the XXXX one but it was some medical information that got compromised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 

XXXX XXXX {$2200.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX XXXX CARD Balance {$2500.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX Put a report on my rental record that I have no knowledge of I never lived in or been on there property.
Product: Credit card or prepaid card

This DSNB MACYS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

DSNB MACYS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has 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 a account without my written Consent
Product: Checking or savings account

Certificate with Navy Federal Credit Union was scheduled to review XX/XX/XXXX. I changed the term to 10 months. On XX/XX/XXXX I received renewal notice which reflected ZERO as the interest rate. Called and was told 10 month term was not available at the time of the renewal. They would now put funds in 10 month term however they would not adjust the interest from XX/XX/XXXX. 

I have not received any documentation indicating funds were put in a 10 month Certificate or the interest rate.
Product: Checking or savings account

I should have received a deposit from the IRS of {$6800.00} on  XXXX   XXXX ,    2017 and the money was deposited into the wrong account. I have contacted the IRS and at this point I was given the conclusion that its up to Navy Federal bank an d  XXXX   XXXX   XXXX    XXXX   to return the money since it was deposited to them. I have contacted both banks and the money is in an account with Navy Federal Credit Union.  Navy Federal stated to me there is nothing that can be done and could not provide  any service to me. The money is in an account with Navy Federal Credit Union where I also have an account with. I have been dealing with this situation for the past 3 months and would like to come to a solution.
Product: Credit card

I have been a long time Fidelity Investment customer. I have used their Fidelity credit Card which XXXX rewards. This year they moved platform and issuers. The transition has been a horrible experience. I have never missed a payment have 700+ credit. When the moved issuers to Elan. I have not been able to pay due to an ineffective website. To called to cancel my card twice and also sent a complaint through the investment portal. My card has not been canceled not has Fidelity responded to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX
Product: Credit reporting

This is about Experian. You should ask that right away. 
Someone is used my credit report, because these people at Experian 1 ) HAVE THE WRONG PERSONAL INFORMATION about me. I had to answer questions in order to be able to make a dispute online, and ever question I answered accurately. These idiots have a lot of questions and I am sure, absolutely sure, they have incorrect information, ex : I have not lived with anyone since 1986. Yet, they have roommates listed. 
I also have other issues with these people FURTHERMORE there is NO file number. This information is online. I am trying to make the dispute online, and CA N'T EVEN GET THAT FAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma consistently srates i was preapproved and was always denied. Each time causing my credit score to be checked and causing a decrease in score. Ontop of then receiving non stop offers for loans, credir cards, lower insurance and etc that just are not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE ORREMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card

I ordered some items from XXXX. Had an issue with delivery. XXXX kept telling me to wait for items to arrive. They didnt. I put in dispute for these items amount totaling XXXX. Apple found this in my favor and I received the credit for XXXX. While all of this was happening, I returned the other items to XXXX, totaling XXXX. XXXX. XXXX told me and sent proof that they refunded these items. Apple stated that during a dispute it could not be refunded. So now I am trying to dispute the XXXX. Due to both companies blaming the other. The transaction amount in total is XXXX. XXXX. 
I hold NONE of these items from XXXX and have returned and did not receive items. 
Apple for some reason reversed the amount of the case I originally won and wont reverse it. Without explanation. 
All I know is I am not financially responsible for this and this needs to be fixed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and credit inquiries from my credit report. I am a victim of identity theft, and these entries are not authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c 2 ( a ), I request immediate removal of the following items : Fraudulent Accounts XXXX. XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$650.00} Fraudulent Inquiries XXXX XXXX XXXX  o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

Applied for home loan and discovered on my credit report that this company is reporting collection account that is not mine and I have any knowledge about.
Product: Credit reporting or other personal consumer reports

In accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy.

15 U.S Code 1666b ( a ) 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 due date.

A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I attempted resolve via XXXX XXXX, but company simply verified account ownership, and added a note to original account regarding dispute. 

According to the FCRA, my rights have been violated on these accounts : 15 USC 1681 Sec 602 ( Right to Privacy ) Items listed on the credit report should NOT report a dollar amount 15 USC 1681 Sec 604-A Sec 2 ( Consent ) Items can NOT be reported without my written consent via wet seal of the original purchasing documentation.

15 USC 1692-B ( Acquisition of Location ) This is not the original collection agency of record.
Product: Debt collection

I contacted this company after I was given their name to help pay back my student loan. They gave me a monthly amount of XXXX+ to pay back but I offered XXXX a month. They told me that when the loan was paid, they would report to the credit agency and it would not show as a loan collected through a debt collector. I was also told that this would prevent my tax refund being taken as well. Well my tax refund was kept and they said they did not know why that happened, maybe my name was on a list for them to be held. I said my taxes were n't held the year before so it was something they must have done such as putting my name on a list to hold my tax refund. Even though it went towards my account, I was told that because the loan would be paid off early now, I was not entitled to the benefits of having this be reported to credit agencies as paid off without debt collection. They misrepresented what they were going to do and how they were going to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to contact Equifax. Either I get the general customer service and or they transfer me and I am asked questions but never get to an agent. I have spent an hour trying to get an agent and when they finally picked and I expressed my concern about their automated system they hung up on me. Her name was XXXX ( probably not her real name ). 

Also, I have disputed this information online.
Product: Checking or savings account

I was charged several " international Fees '' by Bank of America without them telling me about any international fees, they also never asked me if i wanted them to go through. They refused to tell me when i was told of these fees and how i was told of these fees. They asked me if i knew about them and i said " no '' to which they said they will see what they can do and they refunded one of them for {$2.00}. The charges i have gotten and was in question of were as follows. XX/XX/XXXX i was charged {$0.00}, {$1.00}, {$2.00}, {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$11.00}. Then on XX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00}. Then i was charged {$0.00} onXX/XX/XXXX I was charged {$0.00}, {$0.00} in fees on XX/XX/XXXX. OnXX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00} in fees. On XX/XX/XXXX I was charged {$0.00}, {$0.00}, {$0.00}, {$2.00} on XX/XX/XXXX and the list goes on and on. These charges were all added by Bank of America without my approval or without notice. They never once informed me that there would be any fees let alone this many and this much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my reinvestigation for the account US DEPT OF ED/XXXX  I noticed the result of the investigation came back as updated. The before information attached to this CFPB report is not true at all because more than half the information is not filled out. For example, on the account info before it was disputed, Experian did not fill out the account type, responsibility, balance, balance updated, recent payment, monthly payment, original balance is all blank and not filled out which is incorrect. This information was originally filled out which means Experian is not even investigating the right information. Experian was being deceiving and filled out the information after the investigation labeled the investigation as updated like that information wasnt already in my consumer report before the investigation. I have not been given a fair investigation from Experian for they are destroying my livelihood. Pursuant to 15usc 1681a ( e ) Experian must provide me the 3rd parties method of verification to this account. They have failed to provide me their method of verification, so I demand Experian to remove this account from my consumer report. Attached to this report is the before and after of the investigation information. The " after '' investigation information file attached has just below the account name states " your information may have changed since XXXX XXXX, 2023 '' for no confusion.
Product: Credit card or prepaid card

My checking account was hacked into on XX/XX/XXXX and there were multiple purchase transactions to my account with m debit card. When there was no money left in the account the hacker pulled {XXXX} from a joint checking account that I have and also did a telephone transfer of {XXXX} from my XXXX card. I contacted my bank immediately on XX/XX/XXXX and filed a fraud report for the transactions in my checking account. The credit card was not included in this complaint as it required to go to another department. When I was told this in XX/XX/XXXX I then contacted the credit card fraud department. At first they refunded the {XXXX} advance and removed all related fees. Then they reversed them back out and said that we were responsible for paying back the credit card as the {XXXX} was in my checking account which is was not the hackers had used that money as well. I appealed the first notice of the claim in XXXX and on XXXX XXXX received another letter that the case had been closed and they found that there had not been any fraud. I called again today and asked to have a copy of the recorded phone transfer and was told I could only get that information by court order. I have filed another appeal and provided great details to the person that I spoke with today. I can provide the transactions that occurred on XX/XX/XXXX and am certain that myself or my wife did not make a telephone transfer of funds from our credit card.