23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an FTC report and Police report and its been over 4 business days and they are still reporting fraudulent accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX. 

I contacted XXXX and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available. 

I have enclosed a letter to this company. 

This inquiry is negatively impacting my credit score. I have contacted Experian directly and they refused to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.
Product: Checking or savings account

My wife and I were victims of identity theft and fraud. Chase bank is refusing to help us. 
Over {$5000.00} was withdrawn from our account.
Product: Credit card or prepaid card

Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Product: Bank account or service

I contacted PNC Bank NA for a line of credit and they approved me for it. I already have XXXX other lines of credit with the same bank, which I intended to keep for liquidity, but also XXXX of them has a far better rate than the new line of credit. PNC closed the prior lines of credit without any written or verbal disclosure- replacing them with a single one that has a higher APR. I was given no warning of the lines of credit closure and it did not authorize their cancelation.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
The information I am disputing is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested again for the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number starting with # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX CREDIT Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX AUTO Date of Inquiry XX/XX/year> & XXXX FCU Date of Inquiry XX/XX/year>
Product: Checking or savings account

My TD bank was demarketed after a remote deposit was made through the app. It was my fault I did not clearly look at the check. So they decided to end there relationship with me. I have a balance of approximately {$XXXX}. This issue has been going on since XX/XX/XXXX, and we are now nearing the end of XXXX. I was told by customer service that I needed to physically enter the branch. I did so XXXX with spending over XXXX hours there with different stories being told to me, and no resolution. I have spent countless hours on hold with different departments from customer service to fraud. Please help me in closing this account and having the funds returned to me. In addition I did not receive any correspondence regarding my account being demarketed, which should have been mailed to me. I had to find out when I couldnt log into my account online, called customer service, and then told I had to physically go into the branch for more information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly.

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.
Product: Checking or savings account

PNC blocks me from using XXXX. This is unacceptable.
Product: Debt collection

I received a notice letter from the XXXX XXXX XXXX regarding garnishment of my wages by Capital One. I have no idea what this debt is in regards to. The notice says XXXX XXXX XXXX XXXX, but there is no account information listed on the notice. The notice then says " to view the document, click the link below, '' which is impossible to do on a hard copy letter. When you type into a web browser the addresses given, there are two separate documents : a court order dated XXXX XXXX, XXXX and another document that appears to be dated XXXX XXXX, XXXX. Both of these documents have a judgment date listed as of XXXX XXXX, XXXX. Neither of these supplemental documents lists an account number either. 

I have checked my credit report for information regarding this debt and the only thing that shows for XXXX XXXX XXXX is a credit card I opened approximately a year and four months ago with a " Current '' payment status as of XXXX XXXX, XXXX. There is no other mention of a Capital One account. I have not received any other documentation on this garnishment order other than this unofficial-looking, so-called notice. 

Why would Capital One extend a new line of credit to me if they were still pursuing previously owed money from me? In addition, if a judgment was issued for this on XXXX XXXX, XXXX that would mean the debt is at least 8 years and 3 months old. The statute of limitations for the state of Indiana regarding open-ended accounts, which includes credit cards, is 6 years. Any debt collection of a debt that is beyond the statute of limitations is in violation of the Fair Debt Collection Practices Act. Also, why was this filed in the XXXX XXXX court? I do not even live in XXXX XXXX. 

I am being threatened to appear in court and my current employer to appear before the court or answer interrogatories about me in regard to garnishment. This is an aggressive, coercive tactic that is attempting to scare me into making payments on a debt that either does not belong to me at all or is so old it has expired so that it may be reactivated and therefore have collection processes resumed.
Product: Credit card or prepaid card

I closed my XXXXXXXX XXXX card back in XXXX of XXXX, and did mistakenly miss an interest payment ( I believe ) from XXXX of XXXX, therefore interest incurred as well as a late fee. Unfortunately their phone lines had been down all through the end of XXXX but I was able to reach one representative who told me she couldn't help me as my account had been closed. She transferred me to another line that was never answered. 

I then tried to call numerous times, but my calls were always answered by what sounded like an answering machine stating that they apologized for the inconvenience, but we needed to make a payment we could do so by making payments online ... which unfortunately I was unable to do because I no longer had access to the online login function being my account had been closed. During this time the pay by phone function was down as well, so I paid the balance in full by mailing a check on XX/XX/XXXX. My check was cashed on XX/XX/XXXX of {$47.00} and the due date wasn't until XX/XX/XXXX, so I knew this should take care of it. However, I received a statement via email yesterday, XX/XX/XXXX account asking me to sign into my account online and pay a {$2.00} charge - interest from XXXX. I'm concerned that this is going to keep happening if I can't catch the {$2.00} fee, which shouldn't be happening as the account has been paid off - officially as of XX/XX/XXXX. When I paid the {$2.00} fee by phone today with a rep ( the system is back up apparently ) she told me the {$2.00} charge was interest ... I didn't dispute the charge but I am concerned. 

I guess I just wanted to start a record of this in case this continues to happen. There shouldn't be interest on a balance that's been paid off well before the due date.
Product: Mortgage

I switched homeowners insurance coverage at the end of XXXX, which was to commence on XX/XX/XXXX. The payment for the new policy was directed to come from my escrow account for my mortgage with Rocket Mortgage. On XX/XX/XXXX I received an email from my insurance provider that they were cancelling my policy due to non payment. I reviewed my escrow account online and confirmed that payment for the exact amount of the policy was issued from my escrow account on XX/XX/XXXX. I spoke with Rocket Mortgage and was told that my payment was issued to the wrong insurance company. They indicated they would contact the wrong company to have them issue payment to the correct company. This never happened and my policy lapsed on XX/XX/XXXX. I contacted Rocket Mortgage and demanded that they reissue payment immediately. They indicated they overnighted a payment on XX/XX/XXXX. As of today, XX/XX/XXXX, my insurance company has not received the payment. I've requested copies of cancelled checks multiple times from Rocket Mortgage and have never received them. I have requested a tracking number for the " overnight '' check they supposedly issued that my insurance company and Rocket Mortgage could not provide one. I've requested a copy of the invoice from my insurance company and was not provided it.
Product: Checking or savings account

On XXXX XXXX, I made a XXXX XXXX XXXX with Chime Bank in the amount of {$250.00} to my lawyer and she did click on the link sent to her via text message and Chime supposedly gave her the amount but she then stated she could not access it as she had to create an account with Chime. She created an account and now the money does not appear in her account. I have called Chime they say she completed the transaction and neither one of us has the money. So who is lying? Agents keep placing me on hold and I can not get my money back. I just want a refund as I am sure they see that my money is out in cyberspace floating around the financial sector.
Product: Credit reporting

Tried to get my Equifax report for XX/XX/XXXX and was given a message that my credit report could not be delivered online. Same happened in XX/XX/XXXX. And XX/XX/XXXX ... And so on. 
I have n't sent my written request yet for XX/XX/XXXX, but will do so. However my XX/XX/XXXX request took a _long_ time and they still did n't acknowledge my disputes. Equifax also require copies of sensitive personal documents to be sent through the mail before seeing the credit report, thus exposing users to extra risk. 

Equifax are actively trying to game the system by making it as difficult as possible to get credit reports which I have a right to see and dispute.
Product: Credit reporting or other personal consumer reports

I found accounts on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report To XXXX : I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report, and you are required to investigate my claim. 
Dear Sir/Madam, I am writing to dispute the accuracy of charge-offs listed on my credit report under the FCRA, specifically 15 U.S.C. 1681, all information in a credit report must be accurate and verifiable. Additionally, 15 U.S.C. 1681b limits the inclusion of unverifiable or inaccurate information in consumer credit reports. As these entries can not be substantiated, they should be removed immediately.

Please confirm the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the removal of these charge-offs. 

Thank you for your time and attention to this matter. 


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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Checking or savings account

In XXXX XXXX Citibank sent me a promotional offer by email ( attached ) of opening and funding a new savings account for various levels of XXXX XXXX frequest flyer miles awards. I opened the account within the timeframe, funded it within the timeframe, maintained the balance for greater than the requirement but was never awarded the miles. Various Citibank reps told me they were coming on two different dates. An investigation was opened and subsequently denied claiming my account wasn't eligible for the promotion as it hadn't been offered to me, which was incorrect. A third rep told me I had opened the account too early, which was also incorrect. This practice is dishonest and not in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM THE VICTIM OF IDENTITY THEFT.
Product: Debt collection

Lawyer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX I completed payment for a debt via wage garnishment which completed on XXXX.After waiting XXXX days for information on judgment satisfaction, I contacted the debtor. They indicated the full amount was not collected. I contacted the state marshall indicated on the judgment and the marshall confirmed the amount was paid but said there may be accrued interest. No statement, or details have been provided. It is now XXXX and I still don't have any statement to validate funds owned.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Checking or savings account

I was attempting to send money to a recipient misspelled one letter in their name and the money went to another person. It was XXXX separate transactions.. The date was XX/XX/2022 and I caught the mistake in less that 15 minutes. XXXX transaction was XXXX and the other one was XXXX They would not refunded me anything because I am the one that made the mistake which is not right. Anybody can make a mistake.
Product: Credit card

I have been a victim of Identity Theft since XXXX XXXX, XXXX. I submitted complaints against other credit card companies to warn them about my situation. On XXXX XXXX, XXXX, I submitted a complaint against Capital One in regards to XXXX. I told Capital One that NO one named XXXX living at the XXXX XXXX, XXXX XXXX, CA. I would like Capital One to remove XXXX from the mailing list and STOP sending XXXX mail at this home address. Today XXXX XXXX, XXXX, Capital One is still sending me mail at my home address after I told Capital One to STOP harassing me. Capital One refused to remove XXXX XXXX from the mailing list. Capital One is still harassing me and continues to send me unwanted solicitation mail in my mailbox. I want NOTHING from Capital One. All I want is to STOP the harassment. PLEASE remove XXXX name from the mailing list now and immediately at this address. PLEASE STOP sending me mail in my mailbox. I will consult with my lawyer to seek a possible lawsuit against Capital One for repeated and unwanted blatant harassment after I warned Capital One that I do NOT like to be harassed. Capital One refused to follow my simple instructions and continues to harass me by sending me unwanted solicitation mail in my mailbox. PLEASE STOP sending me unwanted mail now. PLEASE remove XXXX name from the mailing list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account as listen above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my report please. The FCRA allows 30 days for this matter to be rectified. 

XXXX XXXX XX/XX/2022 XXXX
Product: Credit card

I opened a care credit account because my husband needed dental work, they closed my account automatically and state it can not be reopened, I paid well over the amount due but beginning in XXXX I had problems with the app allowing me to place a payment under the correct account. Subsequently the payments were sent back for NSF, at the beginning of XXXX I made a payment and it was trying to go to the incorrect checking account, I called them to stop the process and called the bank to stop the process, neither could do so because it was pending. I was assured by an agent that it was not going to be a problem. Shortly after I received a letter stating that the account was closed due to dishonored payments. I called them to rectify the situation and they refused to reopen my account, when they closed my account my XXXX  score dropped over XXXX points. No one is trying to help me even after sufficient credit with them to have my credit line increased from XXXX to XXXX because I also need extensive dental work. Now I have broken teeth with no way to get them fixed. The rep that told me everything would be " fine '' flat out lied to me. At closing I had paid close to half of the debt and made payments of more than the minimum so I would have enough credit to have my teeth surgically removed and have dentures because a medication destroyed the roots in my mouth. No one is willing to assist me and only ask me to reapply for credit although I consistently paid well over the minimum amount.