23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted XXXX on XX/XX/2023 after receiving an email saying that there was a problem with one of the documents I uploaded to verify my identity. On that call I asked the agent why didnt my mortgage statement suffice that I not only owned my home but lived there and she decided to get unprofessional and I asked to speak to a supervisor. However while the call was being transferred I was hung up on. I called again on XX/XX/2023 about being sent another document upload link to upload a copy of another bill. On that call I once again dealt with someone unprofessional who began to over-talk me. She did tell me that on my call that I made on XX/XX/2023, I stated the application was fraudulent. I said I never said anything about the application being fraudulent only that I didnt want to keep sending in all of my information because I dont know if any of them do fraud and will steal my information. I then asked to be transferred to supervisor and thats when I spoke with XXXX. She like all the other agents tried to over talk me and the proceeds to tell me that I did say the application was fraudulent. I said well then the call needs to be listened to and she responded theres nothing we can do and then refused to give me her employee ID when I said I was filing a complaint. Ill NEVER SHOP AT TARGET again because all of this felt like retaliation because I told the rep on XX/XX/2023 to talk to my respectfully and when she chose not to I asked to speak to a supervisor in which she hung up on me instead. Im also getting a lawyer involved since Target  XXXX likes to use retaliation tactics to dismiss potential customers
Product: Credit reporting or other personal consumer reports

I noticed XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SD, XXXX, doing business as XXXX XXXX placed a hard inquiry on my credit report without my knowledge or consent on XX/XX/2022. 

I immediately contacted all parties and requested copies of a signed authorization or recording showing I requested a line of credit increase or gave any authorization to obtain copies of my credit reports or score. 

XXXX XXXX may have offered a line of credit increase but never disclosed to consumers an inquiry would be placed that may impact their credit scores or rating in direct violation of the Fair Credit Reporting Act. 

I requested XXXX XXXX immediately reach out to the three credit bureaus and remove the hard inquiry. To date, all parties have refused and placed the consumer on a 30 - 40-minute hold to get through to a representative.
Product: Checking or savings account

I have had {$100.00} in a TD Bank checking account for multiple years now. The bank will not allow me to close the account nor withdraw my money. I opened the account in XXXX, but currently reside in XXXX   state. The bank insists that I come into a branch personally to close my account, but there are not branches in XXXX state. 

Presently my account has been marked as " inactive '' due to inactivity, preventing me from accessing the funds via debit card or check. I have called both the branch I opened the account with and the national customer service line multiple times without resolution. 

I just want to close the account and have them send me a final check for the balance. 

Thanks for looking into the issue.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information.

Account Name : XXXX  XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please Delete this Account!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report shows that Chase has the comment " Reaffirmation of debt '' under XXXX of my Chase mortgage accounts. This comment is indicative that I had a bankruptcy, which I did XXXX  years ago. This is negative information on my credit report and should be removed since bankruptcy information should not be included on my credit report after XXXX  years. This can impact my ability to apply for new credit. I would appreciate it if you would remove this comment on my credit report.
Product: Debt collection

Good Morning, I received a call from Reliant Capital Solutions. I do not know who this company is, Ive never done business with them, and they have no right to collect a debt I do not owe to them. Subsequently, I sent them a letter to validate not verify the debt. I have not received a reply. Letter is attached to this submission.
Product: Credit card

As of XXXX or as far back as XXXX XXXX, Discover card has been returning my phone payments to my banking institution [ XXXX bank ] that I 've made in a timely manner. Not only is Discover charging me with late fees, they are including returned [ electronic ] check fees. XXXX informed me that the problem is not with them. Altogether, the fees are totaling upwards of {$290.00} with a current payment made today XXXX/XXXX/XXXX. I also called Discover today to obtain my account number which they refused to do. I informed Discover that I needed the acct. number to pay my bill online through XXXX. I 'm thwarted at making payments to Discover as far back as possibly XXXX through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2020 regarding inaccurate information ( XXXX XXXX XXXX ) on my Experian credit report. Experian responded by saying that they conducted an investigation into the account in question only to notify me that it had been " Verfied as accurate ''.

I find it hard to believe that they conducted the same investigation that XXXX  did. When I disputed the same information with XXXX, the investigation results ended in the account being deleted from my credit report. Please have Experian remove this account immediately as it is preventing me from qualifying for an important loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and found that Transunion is reporting a negative collection account I have no knowledge of, did business with, or gave permission to furnish any information on my credit file. This isn't the first time Transunion has violated my rights as a consumer and placed false information on my credit report. I was not provided any written validation or verification from either Transunion or XXXX, XXXX providing proof of any of these claims. So why is this on my credit file? The alleged debt collection that's reporting is from XXXX, XXXX for {$120.00}. I do not consent to this information being placed on my credit file and I do not owe a debt to ANYONE. I mailed Transunion a detailed letter via certified mail demanding they provide me complete proof of verification and the steps they took by law to verify this debt is mine. I have not received a response as of yet.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

Santander consumer usa have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with santander consumer usa in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by XXXX XXXX on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that santander consumer usa told them that pay history was wrong. I also send a copy of XXXX XXXX XXXX credit report showing this account is still open open on credit report.,
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I made a XXXX payment on my XXXX XXXX credit card. This left my balance as {$110.00}. As of XX/XX/2024 XXXX XXXX Bank reported to the credit bureau that I owe {$1500.00} {$10.00} on this account and that it is closed which is incorrect. The account has never been closed since the day that I opened it. I contacted XXXX XXXX Bank XX/XX/2024 about updating and correcting my account status. The representative said they don't report until the XXXX of XX/XX/2024, but nothing has changed they still reported false information on my credit report.
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Debt collection

I have disputed this debt several times with this company and the credit bureaus. I have no knowledge of this debt and have asked and written requesting proof of debt. They have yet to provide the debt. They continue to report this debt on my credit report. 

This account was sold by XXXX XXXX and no longer have claims to it.
Product: Debt collection

Very old account been close seen XX/XX/XXXXXX/XX/XXXX Old charger off account I disputed in XX/XX/XXXX. 
The account amount went up and the open day change to 1, year 11months. When it should be 4-5years old collection account. Price keep going higher. Stop trying scam people out of money on very old charge off account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, XX/XX/2021 XXXX : {$1400.00} This item was disputed multiple times also agent called credit on 3 way and we still couldnt get any validation or documentation send in mail. Consumer creditor completely would allow documentation to be sent out to me for proof of this debt and this is not my debt. 

Also I have NEVER received any information on this account by mail. 

Also I filed a complaint with the CFPB about the creditor. 

Consumer creditor call company while I was on the phone the original creditor is no longer in business. No information can be found by the original creditor.
Product: Debt collection

XXXX ALLY FINANCIAL ) at ( XXXX XXXX XXXX # XXXX XXXX, MI XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

I pulled my credit report with Transunion and noticed several incorrect things on it. I callled them on XX/XX/year> at XXXX & XXXX XXXX and someone answered and hung up. Phone numbers on my credit report are to be removed/innaccurate ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX should be removed. Also I noticed Promotional Inquiries that should not be on there as I have no dealings with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX # ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX RI XXXX Phone # ( XXXX ) XXXX. Also there were Account Review Inquires that I did not give these persons authority to review/access my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX several times XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX # ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( several dates listed from XXXX on this one ) Consumer Info XXXX XXXX XXXX XXXX XXXX CA XXXX several dates listed on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN ( XXXX ) XXXX Please remove these from my credit report. Remove the inaccurate phone numbers as well as I have already called twice last year stating correct phone numbers. 

Please remove these inquiries from my credit report. Remove the inaccurate phone numbers as well as I have already called twice last year stating correct phone numbers. Please remove XXXX XXXX as my employer as well. I am no longer employed with them. My credit continues to be accessed/hacked and I strongly believe these inquires are due to litigation with them.
Product: Debt collection

I resided at XXXX at XXXX in XXXX XXXX, GA and was under lease from XX/XX/XXXX to XX/XX/XXXX. Afterwards I was on a month to month payment with no lease or obligation. I informed the company that I would be leaving the complex on XX/XX/XXXX by or before the date of XX/XX/XXXX. I subsequently left XX/XX/XXXX. I still owed a balance to the company which was {$830.00} after returning my keys. However, a while after leaving I started receiving correspondence from a debt collection company ( Professional Debt Mediation-PDM ) who stated that I was charged for not returning my keys and a partial month for the month of XX/XX/XXXX even though I was no longer living there. I was charged {$1100.00} and they deducted my {$600.00} deposit, which then made the amount owed {$530.00}. I expressed that this information was inaccurate with all three credit bureaus, XXXX at XXXX, and PDM. I also filed multiple disputes, including evidence showing that i was living elsewhere during XX/XX/XXXX. These disputed records were all updated without explanation for how this investigation was verified. The apartment agency stated they would decrease the payment from {$530.00} to {$430.00}. However, this should not be the correct amount owed. I expressed that I did not have an issue paying the past balance from XXXX which was {$830.00} minus the deposit that was withheld of {$600.00}, which would be {$230.00}, they did not agree and said it is my word against theirs as far as whether I returned my key, and the person who I returned it to is no longer with the company. This is currently affecting my credit and ability to be approved for other rentals.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my consumer credit report, it is evident that your agency has committed multiple violations of the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. The law is clear : the consumer must authorize the report, or the transaction must consist of a firm offer of credit or insurance. Additionally, a consumer reporting agency is prohibited from furnishing a record of inquiries for transactions not initiated by the consumer. According to 15 U.S.C. 1681n ( b ) ( 2 ), any entity that obtains a consumer report under pretenses or without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, along with any punitive damages deemed appropriate by the court. I did not initiate these inquiries, and if you assert otherwise, you must provide copies of my written consent. The following items must be removed from my credit report immediately to comply with 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) XXXX XXXX XXXX XXXX  I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX FXXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit card or prepaid card

On XX/XX/XXXX I paid off a 0 % promotional loan from BANK OF AMERICA, paying early, before the 0 % credit card rate would have ended this coming XX/XX/XXXX. I paid them {$2300.00} by check from my personal bank account. Today ( XX/XX/XXXX ) I got an email from B.0.A. that my credit card account has a credit of {$170.00}. When I logged onto my account with them to find out why, I discovered that instead of {$2300.00}, they had given themselves {$2500.00} from my bank checking account, with no explanation. I phoned their customer service to ask why they did this, but none of what they said was applicable to my case, so their agent offered to send an eft refund check for the {$170.00} to my bank account, which he did, saying it will take 2 to 5 days to clear. However, he still had no explanation as to how this over-payment from my account occurred.

While my problem may now be resolved, my complaint remains : B.O.A. gave itself an interest-free loan of {$170.00} from my account, without my permission, not notifying me until today 's email message, which could have caused my checking account to be overdrawn. I am notifying you of this scam in case you have other such reports, if you need to take action against such a practice by this and/or other banks.
Product: Credit card or prepaid card

CAPITAL ONE ONCE AGAIN FAILED TO REVERSE ALL FRAUDULENT DISPUTES AND KEEPS CHARGING LATE FEES AND OVER LIMIT FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, XXXX and Transunion Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account XXXX  account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and XXXX mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n
Product: Credit reporting or other personal consumer reports

I was instructed by XXXX XXXX to file an identity theft report to have a fraudulent student loan removed from my credit report. I complied with their instructions and submitted the necessary documentation. Despite this, the loan remains on my credit report. I feel this violates my rights as a victim of identity theft and is causing harm to my creditworthiness. I kindly request the CFPBs assistance in ensuring XXXX XXXX removes this fraudulent loan from my credit report immediately