23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The first month i received the credit card i made my payment s few days early due to my once a month pay date. I was early two or three times until i checked my balance. I see my amount go up higher than my limit and immediately phoned them. 
After conversing over it close to an hour, they convinced me that we were back on track and the amount i saw would be lowered. 
Two months later, same thing, i called they fixed it. Another two pay periods pass and Im confident that the payments were being deducted from my account.

Nine months into this i made a final call, making sure they knew that the date i got paid was the only date, with a two day window, of which they could withdraw funds to cover my payment. 
Final month before i gave up, i checked online account to see progress and found nothing had changed except no credit privileges and interest accuracies making my original credit line hundreds over the limit. 
I had many things in my life happening through all of this. I trusted them to take my over amount payments from my account on the due date as per all the conversations between them and I. This is what auto pay is intended for, so I thought. I was wrong. 
I had NO intentions of ignoring the payments due on this credit card, i worked hard to even get approved ; this was very disturbing. 
Last comment, not only did i call them several times to verify payment dates, i set up, what they had online, options for people to catch up without destroying their credit with the loss of available credit. So i set three months of large payments to pay it off do that i could save my credit. They never followed through with this and I was just livid. Now they demand payments but The credit is no longer valid.
Product: Checking or savings account

On XX/XX/25, my CD renewed automatically following a grace period. I was unable to get to a branch to renew during the grace period because of a death in the family. I tried the following day, and was told I could not. The bank created a new CD but for a substantially lower interest rate costing me roughly {$350.00} per month in interest. For the record, Wells Fargo allows you to create a CD online but not renew a CD online. I called multiple times, made an appointment at the bank, but the bank has refused to revise the CD to a fair rate. They've also taken weeks to respond.
Product: Credit reporting or other personal consumer reports

I have contacted the Creditor and also contacted TransUnion to perform a thorough investigation into this matter. I have notified this creditor that I dispute this alleged account. The creditor sent me a letter and stated that per my request the account would be ceased but this account is still currently reporting to my TransUnion report. It was deleted and then reinserted again, which is a violation per the letter that was received. Please remove from my consumer report
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Fraudulent XXXX Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent XXXX account that has plagued my credit profile for some time now. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. 

I have reported this XXXX account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen in XXXX without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. What is even more concerning is the fact that XXXX has associated a fraudulent address with this account, claiming it to be mine. 

The address in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, has been falsely linked to me. I want to clarify that this address has never been, nor is it currently, associated with me in any capacity. Upon investigation, it has come to my attention that this address corresponds to a corporate building purportedly affiliated to XXXX. 

During their investigation, XXXX provided erroneous information to Experian, claiming that the aforementioned address is mine. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity fraud associated with this account. 

I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent XXXX account be removed from my credit profile immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into XXXXXXXX XXXX practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was visited at my house by XXXX, which is a home security system. The salesmen showed my the system and told me about the monthly monitoring service. He also showed my the equipment, HOWEVER, he never told me or even suggested that he was going to open up a credit card in my name, and I would've never authorized him to do so. I want the hard inquiry from XXXX and the subsequent account removed from my credit, as I have NO KNOWLEDGE of this account, was never authorized by me, and I was thoroughly deceived by the salesman. Im trying to refinance my house, therefore, I would have even further said no about opening up this new card/ for a security system. It just doesnt make any sense. XXXX  practices is very deceiving and I feel that they took advantage of me because XXXX XXXX XXXX XXXXThe inquiry is XXXX XXXX  XX/XX/year> The credit card is from XXXX and has been subsequently maxed out by XXXX themselves again with no knowledge or approval from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with Experian and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
Product: Student loan

Lender states that I was able to use credits from previous school that went bankrupt, this school : XXXX XXXX  College LLC was not accredited. Which I have a letter from the new school XXXX XXXX XXXX XXXX that attests to that. So I have to start all over and in a completed different field of study, I enrolled in an XXXX program at the 2nd school which is different that ultrasound at the first school. So there was no benefit from having attended the XXXX XXXX College LLC school. They basically committed fraud in accepting students as they were not even accredited and they were going bankrupt. Now even though the loan states I am responsible for the loan, there are exceptions to that when it comes to schools closing before the education is completed and no credits being able to be transferred or accepted.
Product: Debt collection

I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. Please investigate and promptly remove inaccurate, incomplete, or unverifiable accounts :
Product: Prepaid card

During my incarcerration my card was used without my knowledge and charged from the dates of XXXX2023 to XXXX 2023 2023
Product: Consumer Loan

I have disputed a claim through XXXX through XXXX and claim number is XXXX and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a XX/XX/XXXX XXXX XXXX I have let go back but it shows im 120 days last on a payment I have not had the car since XXXX and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right to report on my credit I am 120 days late so I request that flagship credit services be taken off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told these companies and letters that I have wrote them and have not received any response from them that I opting out if I have not received the response from them telling me that it has been confirmed and it's been over 30 days.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00}
Product: Credit card

On XX/XX/year>, I timely paid off in full my Capitol One XXXX credit card account ending in # XXXX. Despite my XXXX balance, this month, Capitol One assessed an additional interest charge of {$8.00}. On XX/XX/year> at approximately XXXX a.m. ( eastern time ), I called Capitol One and an agent said she could remove the charge after she reviewed my account. Then, she placed me on hold for XXXX minutes but never returned. When I disconnected and called back immediately, a different Capitol One agent immediately said she could not remove the charge. She refused to stand by and honor the prior agent 's contrary statements. When I asked why the first agent placed me on hold for XXXX minutes if nothing can be done, the second agent would not give me an explanation for this, and she refused my request to escalate this matter to her supervisor or allow me to speak to a different agent. I believe the second Capitol One agent was wrong and possibly lied to me because her actions and statements are directly contradicted by the first agent. Significantly, Capitol One recorded both phone calls. The second agent confirmed the computer system shows my call with the first agent lasted over XXXX minutes. That is wholly inconsistent with the second agent immediately telling me she can not remove or waive this charge that should not have been placed on my account in the first place. This is dishonest, false and deceptive business practices by Capitol One.
Product: Credit reporting or other personal consumer reports

Regular Inquiries and Account Review Inquiries. I have no idea who ran my credit and have no idea where all these inquiries came from. Im a victim of fraud and did not do all these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2022 I am reporting a fraudulent inquiry found in my credit report
Product: Credit card or prepaid card

These people are monsters! Blocked me from being able to email them documentation and their requested information via their secure links so that I can not state my case for my disputes, which means I automatically lose! Called Capital One three times and spent 2 and a half hours in total over this and got NOWHERE!!! Just 2 and a half hours of my life I'll never get back and a boatload of aggravation!! Two agents shifting the blame on me stating I need to try using a different device or browser.. Third agent after the third time I called, admitted they actually put a block on my account which prevents me from being able to submit documentation via their links!!! These people are nothing but a bunch of shady characters who treat their customers like garbage and the Federal Reserve should shut them down! If they're not going to take the block off then they need to automatically award my disputes in my favor!! If I mail in my documentation, based on what they did with my account, they're just going to lie and say they never received anything! With emailing it, you get a confirmation it was received along with a reference number. Mailing it gives you nothing. I would have to send it via certified mail, and I'm not going to A -- be inconvenienced by having to drive out of my way to the post office, and B -- pay to send out mail all because Capital One wanted to play these wretched and despicable games!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time filing a complaint with Pro Collection, they promised to send me all original documents that I supposedly, signed with my original signature, and my consent to release my personal private information that was shared to Pro Collection then they shared it with XXXX different people, I never signed anything to give them the right to share my information, that is also a violation of THE HIPAA LAW. My next Complaint will be to the Attorney General. I have not yet received any of these Documents. All information is incorrect and they shared it anyway.
Product: Debt collection

account was paid off by XXXX XXXX .When the home was sold..XXXX XXXX XXXX XXXX XXXX Florida paid ..Started receiving collection notices right away.So i contacted title company they me proof of the cancelled check.I sent Aqua Finance a copy of the cancelled check ... They refused to accept the cancelled check as proof and kept referring to an account which was in collection from XXXX.It is true that I did not pay the account from 2016 because the water system and security systems that was sold to me failed to work properly..When I tried to contact the company who installed the items, Their contact information was no longer valid ... .SO BEING THAT I COULD NOT CONTACT THE COMPANY TO REPAIR THE ITEMS THAT WERE INSTALLED ... AND I HAD NO WAY to contact them.I stop making payments on the faulty items ... .I told the company come and repair the broken items .I would gladly pay .....
Product: Checking or savings account

On XX/XX/XXXX Chime banking app closed my account. I am not able to verify the amount left in my account because i am shut out of the appon my phone. I believe the amount in the account is in the neighborhood of XXXX dollars. I have tried reaching customer service but am unable to speak to a live representative. I was told in an email that a check would be sent to me. I am still waiting. I do not want to wait for results forever because i am moving in a few weeks and can really use the money. Thank you.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX  credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; 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 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 recently filed a dispute with equifax regarding unauthorized inquiries on my report. Equifax did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Wells Fargo saying that they detected some unusual activity and fraud on my Wells Fargo card. I reviewed my account and seen that unknown spent {$1200.00} on my card from an unknown merchant. I called Wells Fargo to dispute claims because I did not make those transactions, everything went well. On XX/XX/XXXX, I checked the claim and one was declined. I called and spoke with them they said it was declined because they didnt see any fraudulent activity, XXXX of the transactions they detected fraud like in the email was from XXXX XXXX XXXX I have over XXXX transactions from XXXX totaling over {$800.00}, I disputed each transaction. So now theyre saying that the same XXXX they reported unusual activity about early on is now not fraudulent???? Ok, another reason they said it was declined because they asked me Did you have your card during the time of this transaction and my response was Yes. I recall them asking me were I using my card at the time of these transactions, and I was. I dont have that card physically, I do have it digitally in my mobile wallet. I asked them If they could refile the claim, they said I could but itll probably be declined again. They did try to refile and the system automatically declined. However my second claim is still pending, they said that it should be approved. Both claims have some of the same transactions, so how come XXXX is getting approved and not the other. And most of the transactions says XXXX XXXX, how is that not fraudulent like?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I was caught up in the Equfax XXXX data breach. 
Because of this, I froze all my credit reports. 
Recently I was setting up an account with a cellular service provider. They ran a credit check. I was aware they would be advised there was a freeze on my information and I had advised the cell company this would occur. I also explained to them I would receive an alert and I would be able, thru the alert, to lift the freeze. 

They told me when they ran the check Equifax requested a PIN to unfreeze the report. I provided the PIN given to me in XXXX by Equifax. 
The PIN was not accepted. 
I then went on line to the Equifax web site and attempted to sign in and lift the freeze. My email address and password were not recognized. 
I then tried the I lost my password button, entered the requested information and was advised there was no such information in their system. 
The next day I called their customer assistance. to put it simply, I spent 30 minutes talking with a representative that was terribly undertrained. End result still not able to receive assistance.
Product: Credit reporting or other personal consumer reports

Credit Reporting agencies reporting medical debt on credit report. I have filed a dispute and they all deny it. According to the new law as of XX/XX/year>, medical debt can not be reported on credit reports. I have contacted them and they keep telling me to file a dispute, I have and always denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I was told in the past that these accounts would be deleted from my credit report over a month ago but they still appear and are causing me to stress out.