23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Discover Credit Card to Cancel and Close My Late Husband Discover Credit Card # XXXX XXXX XXXX XXXX and instead of Discover sending a letter to Estate of XXXX XXXX Discover Credit Card Delete my Late Husband Name on Discover Credit Card Statement and Just put my name on it. I was told by Discover Credit Card representative that is now my responsibility to pay the Credit Card bill. I was Never a Co signer on the Credit card and Only Authorize User and I have intention of Paying the Balance. Discover Credit card Company Did Illegal approach my just Deleting my Late Husband Name.The Legal way to Approach is By Sending a Letter and Address to Estate of XXXX XXXX not by just continuing the interest rate and put on Name and Also Discover report it on my Credit Report. on a Legal way Discover shouldn't Continuosly Charge the Discover Account since i reported the Death of my Late Husband.Letter to Estate of XXXX XXXX should us me how would i like to settle the Balance.
Product: Student loan

Hi there! I initially submitted a refund request in the amount of {$8600.00} on XX/XX/2022 through Aidvantage. I was told that it would take 6-8 weeks to process. It has been over 10 weeks and I have not received any updates from Aidvantage, nor has the amount of the refund been reflected within my total loan balance. I've tried to get in contact with Aidvantage, but the representatives are unable to give me any updates as to what the status of my refund request is. I'm disappointed in not only the significant delay in receiving the refund, but also the lack of transparency in the refund process timeline. 

Thanks very much for your time and help, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( Write to each relevant credit reporting agency, one at a time : ) Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

Please block this information from my credit report, under section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Checking or savings account

I received a case debit card in the mail on the week of XX/XX/. 
Stating that I had a account and needed to activate my card so I called the number to see what was goin on they kept asking for my SS number and I wouldnt give it to them so they eventually keep me on hold for two hrs so I hung up and this week on XXXX I went in to a local chase bank branch and gave them my info they pulled up the account that has been opened with out my consent it has a XXXX Indiana phone number attached to it but my name SS number and address the only thing that didnt match was the phone numbers and they refused to close the account for me. Or give me any info on the person that opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a glitch all my inquiries were deleted but TransUnion added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I called TransUnion to advise I was aware of the  2 sep arate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. I spoke to  XXXX  in  XXXX  who refused to transfer me to a  US  special handling agent then advise me the inquiries would not be removed and forcefully ended the call.
Product: Money transfer, virtual currency, or money service

Person offering services website was hacked and person posed as them to get money sent directly to them on XXXX, on XX/XX/22, in the amount of {$200.00}. Was told by Wells Fargo on XX/XX/22 that because it was through XXXX it is impossible to be able to reverse any fraud charges even though my account reflects that the charge is still pending.
Product: Credit reporting or other personal consumer reports

I disputed the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX And nothing happens. No deletions no responses nothing Then I submitted a complaint with you guys requesting items be deleted within four days or proof investigation showed they were mine which I know it couldnt have because they are not I submitted police report number identity theft report number etc and nothing happened accept XXXX got deleted off XXXX and trans union and XXXX  got deleted off trans union
Product: Checking or savings account

I was locked out of my account due to their faulty online system. It doesnt offer a way to reset a password without calling and I am unable to make phone calls due to a medical condition. They dont offer email, text or chat contact options so I had to file a complaint with the XXXX  just to get a response. For weeks they kept sending me protected emails with no way to open and read them. 

XXXX finally emailed me directly and told me to go to a branch in person, send a written letter with the account number on it or write a check to bring the balance to XXXX. The closest branch to me is XXXX miles away. Since I cant access my account I cant get the account number, balance or order checks.

I simply want my account closed and they are refusing to honor this request or give me a means to do so that I can accommodate.
Product: Credit card or prepaid card

I opened a credit card with Capital One in XX/XX/XXXX. From the start, the card was set up so that the full outstanding balance at each month was automatically taken from my Savings account with Capital One 360. 
This happened every month until XX/XX/XXXX, when Capital One failed to make the monthly transfer and then charged me a past due fee of {$25.00} and interest of {$100.00}. A further interest charge of {$4.00} was taken by Capital One on XXXX XX/XX/XXXX, relating to the same Capital error. 
I wrote to Capital One of XXXX XX/XX/XXXX requesting that these fees were reimbursed. There was no response. I wrote again on XXXX XXXX and received an email asking me to phone them because they did not have all the information! 
I phoned them on XXXX XXXX and they agreed to refund the past due fee but refused to refund the interest charges. They accept they made an error but refuse to compensate me for all the charges from their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

I am a victim of identity theft and the credit agencies are not following the FCRA. I have sent in all the correct paperwork and they are not attaching them to my disputes and removing the accounts per the FCRA. 

I am not getting copies of the verification process per the FCRA. Im just getting the results of the investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has used my identity to establish an account with out my authorization, this account is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr XXXX department, if this account is not removed immediately i wll send XXXX letter of intent to sue, please delete and block this account ftom credit report is it fraud XXXX for XXXX is a fraudulent account i do not recognize this account, this account was ipen with out my knowledge i want this account removed from my credit report as it is a fraudulent account, comcast open this account in my name and committed fraud XXXX also a XXXX  of the XXXX XXXX my information is being used illegally to open accounts in my name, I feel Im being taking advantage of, all my information has been leaked on the dark web I ask that these accounts be removed immediately from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX  several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, I had to replace my XXXX due to hardware issues. I did not think to disable my two-factor authentication. So I was locked out of Coinbase as well  as many other accounts. All the other accounts I do business with were able to help me regain access within a couple of days. While the reason for my account lockout is not the fault of Coinbase, it is unreasonable that 30-days later I have not been able to regain access to my account. As of today, XXXX/XXXX/XXXX, I still do not have access to Coinbase likely due to a lack of staff to respond to consumer issues. 

Coinbase case number XXXX. Coinbase " escalated '' case number XXXX. 

XXXX/XXXX/XXXX, I attempted Coinbase online process to recover account using my photo ID. The recovery attempt failed. 
I emailed Coinbase and received 2 auto reply  messages including instructions on how to disable two factor authentication, which did not work. 
XXXX/XXXX/XXXX, I received another two auto reply emails. 
XXXX/XXXX/XXXX, I used their online process to send request to disable two factor authentication per their online instructions because they are not responding to emails due to volume. 
XXXX/XXXX/XXXX, I attempted their online process to regain access to my account, but the photo ID process failed again. 
XXXX/XXXX/XXXX, I attempted to call their call center and after waiting 57 minutes, I had to disconnect. 
XXXX/XXXX/XXXX, I attempted to call their call center and finally got through. They were unable to assist me, but they " escalated '' my case. The total length of time on hold and speaking with rep was 1 hr 7 minutes, with the majority of time on hold. 
XXXX/XXXX/XXXX, I received an automated email with the same procedure that does not work. 
XXXX/XXXX/XXXX, I received two additional automated messages ( which I 'd received previously ) offering  instructions, that have not worked. 
XXXX/XXXX/XXXX, I received yet another repeat automated email. 
XXXX/XXXX/XXXX, I called their call center and this time asked to speak with a supervisor. They were not able to assist me, but assure me that my case had been escalated and would be worked in the order in which it was received. Total time on the call both on hold and speaking was 1 hr 27 minutes, with majority of time on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage to buy my first home this week. While applying I noticed a " delinquent account '' from XXXX on my credit report totaling {$280.00}. It significantly reduced my credit score and therefore puts my ability to buy a home at risk I briefly had a prepaid account with XXXX in XXXX for one month. I paid upfront and then canceled the account within the month with my payments in good standing. I also have a XXXX account in good standing. I do not recognize the {$280.00} charge, was never notified about it, and believe I never incurred it. 

I spoke at length with multiple XXXX customer service agents across XXXX teams about this charge. None was able to find it in XXXX 's systems or provide any documentation whatsoever about it. I also spoke with the debt collection agency Diversify Adjustment. They also failed to provide any documentation explaining the charge. Despite that, XXXX has refused to revoke its claim or even file a dispute despite multiple requests from me. 

I believe I am the victim of predatory and erroneous billing, with multiple large corporations holding my ability to buy a home hostage with no path to resolution other than paying them a bogus charge that I never incurred and that they can not provide detailed documentation to support. I am requesting urgent CFPB support forcing these corporations to correct their unfair and unethical practices, given their unfair and uncooperative behavior is standing between me and my ability to buy a home. 

My request is if XXXX can not immediately provide detailed documentation justifying why this charge exists despite the fact that I canceled this account with no balance and in good standing, to cancel this " delinquent account '' so that my credit score accurately reflects my credit history instead of XXXX 's predatory billing practices. 

I can be reached any time at XXXX. Thank you for your help.
Product: Credit reporting or other personal consumer reports

RE : XXXX Reported XXXX Condition Open Balance {$8.00} High Balance {$3000.00} Payment {$8.00} Status Current Late Payments XXXX Amount Past Due {$0.00} Account Type revolving PLEASE ENSURE THAT THIS ACCOUNT INFORMATION IS SHARED ACROSS BUREAUS. RIGHT NOW, IT IS ONLY DISPLAYED FOR XXXX AND NOT XXXX AND XXXX. 

PLEASE HANDLE EXPEDITIOUSLY OR BE SUED IN CIVIL COURT FOR DEFAMATION OF CHARACTER, MISSED CAREER OPPORTUNITIES, AND CREDIT OPPORTUNITIES. PURSUANT FAIR CREDIT REPORT ACT 1970 requires consumer reporting agencies ( CRAs ) to report consumer credit information accurately, fairly, and in a timely manner.
Product: Mortgage

On today, XX/XX/2020, I received yet another harassing, exploitive and threatening letter from Select Portfolio Servicing, the most unjust mortgage servicing entity in XXXX XXXX. It was surprising that my initial mortgage servicer had switched my account to SPS. In any event, CFPB assisted me before on this same issue of SPS penalizing me because it said that my payment did not arrive on the first of XX/XX/2020. Prior to this complaint by SPS, it said I had until the XXXX of each month to have my payment in. Then later, SPS said that I had to increase my monthly payment to cover escrow, and I did. I am seeking a new loan servicing entity because SPS harasses me with impunity constantly. I have attached the very letter sent me by SPS penalizing me because it did not receive payment on the first of XXXX. I do not receive income until the 3-5 day of each month, and have always told SPS such. Now suddenly this issue resurfaces.
Product: Credit reporting

XXXX student loans are showing on my credit report and they are all over 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX  account number XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC
Product: Debt collection

Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of National Credit Systems, which is a violation under law
Product: Credit card or prepaid card

I attempted to make a purchase at XXXX XXXX online and I mistakenly entered the wrong CVV numbers, which resulted in my card being declined. However, it still out the funds in pending status on my account, making it impossible for me to spend {$170.00}. But I had a different unexpected expense this week that I had to cover with my debit card and my credit card is the only thing I have to get me through this week. 
So I called XXXX XXXXXXXX and they called Capital One, and XXXX XXXX confirmed to them that there arent any pending orders and they wont be collecting those funds. Capital One said too bad, they arent releasing them. I dont understand how its legal for them to hold onto my money when its been confirmed by the merchant that no one will be collecting those funds. I will starve this week and probably be fired because I cant put the gas I need in my car to get to work. This cant be legal.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have failed to correct inaccuracies on my credit report despite multiple dispute attempts. I requested a re-investigation after their initial dispute closure, but the inaccuracies remain unresolved.

This violates the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 1681i : The agencies failed to conduct a proper re-investigation of the disputed information.

2. FCRA Section 1681e ( b ) : The bureaus did not ensure the information reported is accurate or complete, violating their responsibility to report with maximum possible accuracy.

3. FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without meaningful action or proper follow-up, breaching their legal obligation to address disputes adequately.

I demand immediate action to correct the inaccuracies on my credit report and ensure compliance with the FCRA.
Product: Credit reporting

Equifax is showing a federal tax lien on my credit report. The IRS has withdrawn this tax lien, and properly filed the withdrawal with the XXXX Clerk of Courts. 
I mailed a dispute to Equifax on XXXX/XXXX/2016 with an original certified copy of the Withdrawal of Filed Notice of Federal Tax Lien and that dispute was completely ignored. Then on XXXX/XXXX/2016 I submitted another dispute online and Equifax responded on XXXX/XXXX/2016 that " this public record item is reporting correctly, '' which is not accurate. 

A withdrawn lien means it is as the lien never happened ( similar to a vacated judgment or dismissal ). Equifax should have deleted the lien from my credit report. XXXX, XXXX, and XXXX have all properly investigated this tax lien, and deleted it from my reports. Equifax is the only consumer reporting agency that has failed to properly investigate and delete this inaccurate tax lien.