23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I received a notification from my Capital One app that a transaction at XXXX for {$55.00} was approved. When I checked my app, I noticed an additional card on my account with a credit limit of {$300.00}. The transaction for XXXX was listed under this account. I immediately called Capital One to have this resolved. After speaking with Capital One, I checked the account information on my app and noticed that someone had edited my information. Email address for the fraudulent user was XXXX. Residential and mailing address were changed by the fraudulent user to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have since also called XXXX and added additional security measures to my credit report. As well as changing passwords for all financial accounts.
Product: Mortgage

My complaint is a old one that is still effecting me today. @ 2008 I was making my mortgage to Chase but each time I needed something they would tell me they need to check with XXXX XXXX.I went to XXXX and they got forbearance for me and added the delayed payments to the end of my loan.Then Chase started to give forgiveness for deferred payments.When I made a request to Chase they said XXXX XXXX was refusing to give forgiveness.Now that the government is giving out help I-have attempted to get the deferred payments forgiven but I am told there is nothing I can do. 
If XXXX XXXX was allowing Chase to be the heavy header back in the day why would they not allow their clients to secure the benefits being offered., nowadays senior citizen I cant get a reverse mortgage because when they add the deferred amount I owe too much to qualify Now what do I do
Product: Credit card

In XX/XX/XXXX I received a message from synchrony bank that my card is on is way, made my first purchase XX/XX/XXXX. They sent an email to the XX/XX/XXXX for a payment du date of XXXX , I paid 3 time the amount of XXXXXXXX XXXX the date of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. They my first payment didnt go through because I paid with a credit card okay, I paid again. I received a message the date of XX/XX/XXXX that says my payment has processed and I double check the account that use to pay if they took the money out of it they said yes they took it and saw that too. 
I received a letter saying that they have closed my account due to the number of dishonored payments on my account the XX/XX/XXXX. 
I call they hang up on me, and they are making me paying for something that didnt do, and make my credit report badly and poor.
Product: Credit card or prepaid card

someone applied for a credit card via Bank of America, using my name, address and social security number, but not my email address I did not apply for this card I was notified about this by XXXX through XXXX XXXX which monitors my credit reports I spoke to XXXX, they reported it as fraudulent and I spoke to Bank of America, they cancelled the application and marked it as fraudulent as well It was advised that I report this through FTC.gov and got directed from there to CFPB
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX  Balance {$8100.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX {$770.00} Open Date XX/XX/XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$140.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX 2024
Product: Debt collection

The original creditor is XXXX XXXX XXXX. This account is in collection for all three credit  bureaus. The account was bought out by enhanced recovery group. I explained to them that i would seek resolve through XXXX XXXX XXXX but i never get anywhere. I tried last month in XX/XX/XXXX and also XX/XX/XXXX to pay them for what was owed on my account. The problem is they are charging me for equipment plus past due service balance which is {$900.00}. I would like to pay the balance but not the equipment charge because i returned the equipment. Everytime i call them they give me the run around, i have to wait on hold for hours and then i get switched from one representative to another, just for them to tell me i have to wait two billing cycles for them to investigate. I did that and called back after a month and they tell me the same thing. They claim they do n't have a record of me returning the equipment. They asked did i have a receipt of this. I 'm upset because this happened back in XX/XX/XXXX. No i do n't have the receipt, but i did return the equipment. I just want to settle this debt and be done with them. They continue to hurt my credit. According to my bank statement, I paid enhanced recovery back in XX/XX/XXXX for a debt showing on my bank statement. I will be calling tomorrow to see if it was for XXXX XXXX XXXX.XXXX They are charging me for equipment that i returned to them and i do n't think it is fair. They told me i need to have my receipt. I disagree. All of their equipment has serial numbers on them. They will know if i returned the equipment because the equipment serial numbers will be used by another customer if so. I just feel they are being rude giving me the run around and i want this resolved so this can be removed off my credit. I am trying to get a house and this does not look good on my credit. It hurts because they know i have tried calling to straighten this thing out. Supervisors/managers claim they would call back and never did. However, they continue to insist that i call enhance recovery instead. I am in desperate need of help..
Product: Credit card

I recently opened a credit card with Wells Fargo against my better judgement. ( I have been married for the last 6 years and nothing in regard to my personal identification information had changed, including last name, social security, DOB, etc. ) Naturally, I could not enroll online until I received the card because Wells Fargo requires consumers to provide their social security number, DOB, and card ( or account ) number when enrolling. Once I received the card, I attempted to enroll online, but received an error. I then went through their process to confirm the card ( also online ) and they were able to fully accept the information provided. So now, I have my card in hand and full ability to use it - but no way to see activity or pay balance without calling their [ horrible ] customer service line or mailing a paper check, which I find to be risky, time and resource consuming, and in 2024, absolutely unnecessary. I contacted the customer service line on the back of my card, provided my social, last four of card #, DOB, and CVV code. Ironically, they were able to identify me with the information provided, but ultimately told me I would have to go into a branch to resolve the issue. I asked if they can tell me the nature of discrepancy ( literally the data field that is wrong ). Both XXXX and his Supervisor, XXXX, told me they can not tell me for security purposes. I reiterated that I am not looking for the specific name, number, or whatever is it that they are showing, but to tell me the field name ( last name, DOB, SSN, etc ) so that I can be prepared with the correct information when entering the branch. The supervisor XXXX eventually stated I only need to bring in my Driver 's license, and that they do this to protect my security. I told them they aren't protecting me as the consumer, because they've already activated the card with {$10000.00} credit limit and have given full usability to charge it. I just can't sign on to see activity or make payments and based off the quality and length of this call so far, I doubt their ability to help me further when I need to make payments. I then asked them to close the account, to which I was refused! So now, I have to go into a branch. ( This has already been a weeklong process and the branches are closed until Monday. This means I have to now take time off of work, to go into a branch, for them to tell me what is wrong and potentially not even resolve my issue. ) I would like for Wells Fargo to close my account, remove all inquiries related to this account from my credit file, and never contact me again for promotional offers that they refuse to honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. 

I have sent a letter to TRANSUNION LLC on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed. 

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 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 15 U.S.C 1681 section 602 A . States I have 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 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, credit repair services, or other personal consumer reports

XX/XX/2022 I sent out a letter to the credit bureau Experian asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I received an email that my account status was ready. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Experian cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/2020, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with experian and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit card or prepaid card

I was told from unemployment of NJ that they accept Chime prepaid cards I just have to go on the website and provide them with the other routing number Come to find out from Chime that the routing number XXXX provided belong to one of there partnering banks but not my bank that I use with Chime They have not transferred the money to my account/bank nor did they return 2 deposits sent to them by the NJDOL This has been an ongoing issue since XX/XX/XXXX I have missed 3 car note payments and I have not been able to pay my life insurance for XXXX PLEASE HELP
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, XXXX XXXX XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX  XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

The collection agency added to collections to my credit report on XX/XX/XXXX. I file bankruptcy XX/XX/XXXX and everything was cleared. All items were removed from my credit reports and I have been one monitoring them and this company has never appeared and is now adding as new items
Product: Consumer Loan

I spoke with a customer care specialist at XXXX XXXX Bank within the last XXXX hours regarding the treatment that I was experiencing with Upstart regarding a loan application. 
As I review the horrendous experience that I had this week with an unusually taxing application verification process, it began to dawn on me that my problems with this lending company started after they requested a copy of my drivers licence. 
The verification process became quite arduous subsequently and on multiple occasions I have been misled by Upstart employees with suggestions that loan was approved for much higher amount and with better terms than terms being offered now. 
I was also told on several occasions that my loan would be finalized by Friday, XXXX XXXX, including on Friday by employee named XXXX. However, instead of having loan finalized with the more favorable rate that XXXX congratulated me with just hours earlier in the day, I, as instructed by XXXX, checked email later in evening, and saw nothing finalized. 
Remaining very frustrated by my haunting experience with Upstart this entire week, I called once again to check with XXXX what additional delay might have ensued. 
While I was on hold, I saw an adjustment again on my loan offer, this time cutting the principal in half and raising the rate back up to the highest APR. 
This was just another of many efforts Upstart has made in trying to discourage me from borrowing from them. I sent them ample documents and followed up diligently on all of their request of me, yet they have continued to mislead me and cyber bully me by requiring me to send more and more documents, including documents already sent. They had me send pay stubs 3 times, and XXXX forms multiple times. 
They requested that I send rental lease agreements and tax information regarding rental property that I own, and then later told me that they could not use the rental income in their calculations because they do n't fund commercial loans??? 
Despite that, they later made another request for my rental property lease agreements, that I had previously sent. 
I have been put through the ringer with Upstart. The explanation given for reducing loan amount from {$31000.00} to {$28000.00} was reported to me because they could not consider my rental income. 
I was offered the {$28000.00} with lower APR this afternoon by XXXX, and he actually congratulated me and said only problem was that with this being Friday, he would not be able to send funds to my bank until next Tuesday. I accepted those terms, yet within three hours, I was once again misled and all terms changed, and principal cut in half with highest APR offered, 29.9 %. I was then asked multiple times by managers at Upstart if I still wanted the loan. It was very obvious to me that tactics were being used to discourage me from getting any loan at all. 
I am highly qualified for a loan from Upstart, and can only conclude from this cyber bullying that I have had to experience from multiple Upstart employees that knowledge of my race, upon review of my drivers licence that they requested, resulted in a plot to discourage me from borrowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
Product: Debt collection

I have written to ARStrat on several occasions, as well as Creditor XXXX  XXXX XXXX Account XXXX. ( 1 ) giving proof this is not my debt. ( 2 ) as per divorce decree, daughter 's medical is responsibility of EX husband. ( 3 ) I eventually paid the debt since the company refused all attempts and proof otherwise. Attached is my returned check. Enclosed is my payment. Attached is Court ordered and approved ex husband was to pay medical for daughter.