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

RE :  XXXX  and Transunion Credit Report   XXXX   XXXX   related creditors are still listed/showing on  XXXX  Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor ( s )  XXXX / XXXX  were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have   XXXX    District Court of Florida discharge documents as well to substantiate my claim.
Product: Credit card or prepaid card

In XX/XX/XXXX and due to Covid, I contacted Capital One to ask for a lowered interest rate on my credit card. The current rate was 21 % and I have a credit score in the high 700 's. I was told I would receive a temporary rate of 7 % and that would only be effective until XX/XX/XXXX. As for XXXX Capital One has not lowered my rate to the agreed upon 7 % but they have lowered it to 15.4 %. Per my conversation with Capital One on our original agreement, not a single terms of use, APR rate changes or current rate of terms was ever disclosed nor did I approve or validate the 15.4 %. I was told I would have a 7 % rate. I contacted Capital on on XXXX and they refuse to acknowledge their mistake and informed me that they never have offered that 7 % rate and I was confused. I took detailed notes and let be clear, I was not confused in fact, I was elated due to Capital One being so willing to work with a customer that they have had for almost 15 years. It was unethical for them to falsify information regarding my interest charges. It was unlawful for them to not disclose the rate I would be charged at. Additionally I was told that my temporary rate of 15.4 % would only be good until XX/XX/XXXX, not XX/XX/XXXX like I was told per my original phone conversation.
Product: Credit reporting or other personal consumer reports

Regarding the accounts below, I am writing this letter. That is really hurting me and is on my credit record. These accounts are on my credit record because I am a victim of identity theft and my information was hacked. The fact that these accounts are not mine and that I shouldn't be held accountable for something that was opened up without my knowledge really affects me a lot. I have no doubt that none of you would want to pay for a product or service about which you know nothing, have never used, or had any dealings. I should be in the process of purchasing a house sometime in 2024, and I may even obtain a promotion that involves a credit check at work. 

As required by what I read on the Consumer Financial Bureau of Protection website, I will also be sending my identification card and proof of address. I will be adding an FTC report with the number XXXX that I was given when I filled out the form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and upon review of my credit report I discovered multiple fraudulent accounts, I reached out to the creditors with no response and now I am seeking you assistance in getting this matter resolved.
Product: Money transfer, virtual currency, or money service

Paypal is a money transmitter. I have used PayPal for years with many clients who may for my services. I am a XXXX XXXX and XXXX. Today, in the process of receiving money from XXXX, a customer of mine, who has paid me using PayPal 12 times in the last year, I received and email that said this payment will be on hold for 21 days. 

I believe that PayPal is broken. I talked to their support people this afternoon, I was on the phone for over an hour with long periods of waiting. In speaking with two people, they did not have a resolution and could not offer an explanation. The last PayPal person said I should contact XXXX and have him click the transaction and confirm it. So I did that after the call. There was zero change - no removal of the HOLD status on this transaction. How many other people suffer from PayPals broken processes?
Product: Credit card or prepaid card

On XXXX/XXXX/2017, my daughter and I stopped for fuel and attempted to purchase it with my Direct Express card. The clerk informed us my card was rejected twice. I immediately called to inquire about the card status with Direct Express customer service and was informed of questionable/possible fraudulent charges made to my card from XXXX XXXX XXXX XXXX. I stated that I did not make any such purchase and immediately disputed any such purchases from the XXXX area as I 've never even been to XXXX. The CS representative informed me additional charges in XXXX were attempted and I could dispute those as well. I 'd like to know how actual cash purchases in XXXX were made with my Direct Express card while my card was here with me in America! The card was shredded and a new Direct Express card with a chip was issued by over-night mail. I made a police report. The reporting officer noted the incident on file but did not leave a copy of the fraudulent incidents with us. On XXXX/XXXX/17 I received a letter from Direct Express notifying me that fraudulent card activity could not be detected and the claim is due for closure. Direct Express instructed me to contact them for additional information to complete the investigation. After many attempts to contact Direct Express at level 2 ( which is the Dept which handles the investigations ), I was either disconnected or directed back to the website to verify my account balance.
Product: Debt collection

XXXX made a fraudulent charge for services not provided. The fraudulent debt was sent to collections with Credit Management who is attempting to collect the fraudulent debt.
Product: Credit reporting or other personal consumer reports

Again I am disputing INQUIRIES!! inquires only!!! I have sent several disputes to XXXX and experian disputing inquires!!! Neither company will research inquiry disputes ( not tradelines or open accpunts but inquiries ) both companies you can dispute inquiries on your report but then in less than 1 business day they close the review and say all inquires are valid even if fraud. both companies refuse to research hard credit inquires. 
In 2024 some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc ID packet, disputes the charges and accounts opened due to fraud. On XX/XX/year> I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/year> XXXX did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires showing with Experian and XXXX XXXX, and online it shows I can dispute due to fraud just to have both companies immediately deny this and not look into the claims at all and just state they are valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO THIS COMPANY MULTIPLE TIMES, THIS ACCOUNT IS INACCURATE AND COULD NOT BE VERIFIED, THEY STILL HAVE NOT REMOVED XXXX XXXX  XXXX AFTER MULTIPLE CALLS AND THEM SAYING IT COULDNT BE VERIFIED & THE ORIGINAL CREDITOR REMOVED THE INACCURATE INFORMATION WITH THE OTHER COMPANIES I AM NOT SURE WHY THIS COMPANY STILL HAS INACCURATE INFORMATION SHOWING UP ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments never late XXXX XXXXXXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXX FCRA Violation hard inquiry not mine XXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX : Bankruptcy XXXX XXXXXXXX : Bankruptcy
Product: Debt collection

This {$500.00} fee From XXXX XXXX just came out of absolutely nowhere i have no clue what it is for or where it came from. For one i can not pay it because it is way to big of an amount being that I am XXXX years old having to deal with these crippling creditors because of a broken medical system, also it is destroying my credit. It says it was reported on XXXX XXXX, XXXX with the original creditor or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I never received the {$150.00} Captial One bonus after spending {$500.00} in the first 3 months as advertised
Product: Mortgage

XXXX XX/XX/year> I went to pay my mortgage payment as usual online with my mortgage company XXXX mortgage. My account had a notice that my mortgage was being transferred to Selene Finance and starting XX/XX/year> to make payments to them. I waited for a letter or call from Selene to be able to make a payment for XXXX to them but did not get one until XXXX ( so now 2 payments are due ). My mortgage payment has always been {$1500.00} and I was responsible for having my own insurance which I paid out of pocket for while I was with XXXX mortgage. My XXXX statement from Selene Finance, my new mortgage company, they have my monthly mortgage payment as {$2400.00}. I was shocked I called their phone number on the statement and there is no option to speak to a representative. There is no option to make payment of my {$1500.00} towards my account online and no way to remedy the situation. The statement provided a mailing address for letters only for customer questions or requests. I sent a letter asking for help to understand why my mortgage payment changed significantly more without notice and why there is no way to talk to someone. I feel like they are trying to make me lose my home with no conversation. It seems very shady and poor business practice. I feel like my rights are being violated, section 6 of RESPA says I am to receive a written acknowledgement in 5 days of my letter and they get 30 days to correct or follow through on my requests. I am very vulnerable to losing my home or going into default and am worried. I pooled together funds from XXXX and XXXX income to make one payment to cover the XXXX mortgage payment and mailed it to Selene Finance. To this day I have not seen it be applied to my account yet. My account number with Selene Finance is XXXX. My escrow account has very large sums labeled insurance on them and it seems like they are making a mistake I have insurance and I am in charge of paying for it myself. They approved of my insurance and still are charging my account in extremely large amounts regardless. This company needs to be investigated for their harmful business practices.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation and correction of inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) which requires that all consumer credit data be accurate, complete, and verifiable. 
Upon reviewing my report, I discovered a fraudulent inquiry that I did not authorize. 
Additionally, there is an account that has been inaccurately reported and does not meet compliance standards. These errors are unfairly damaging my credit score and affecting my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a report on the disturbing trend of large U.S. banks most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, members of Congress are demanding answers and accountability. 

Sen. XXXX XXXX ( R-LA ) led the way with a XX/XX/2018 letter to XXXX CEO XXXX XXXX. XXXX expressed significant concerns about the banks new policies and asked to be provided with the specific number of entities in Louisiana which stand to lose banking services as a result of [ Citigroups ] increased scrutiny on law-abiding businesses. He pointedly reminded the bank, It feels like yesterday when XXXX received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk, a move XXXX called, the largest government bailout in American history. XXXX encouraged XXXX to be a good corporate citizen by refocusing on business decisions, including addressing apparent shortcomings like overcharging credit card interest rates to account holders and compliance with U.S. anti-money laundering laws.
Product: Credit card or prepaid card

The company suddenly started charging XXXX $ late fees even though I had been making payments ahead of time, every month for the past 18 months. My payments have always been made on roughly the same date through autopay. It was a promotional interest purchase, so I had set up an autopay through my bank every month. Prior to the promotional payment purchase for the issue in question, my payments never incurred late fees. I tried explaining this, but they stated they could not waive the full 18 mo of late fees. They ended up reversing 3 mo of them. I have excellent credit, make a great wage, may all my bills on time, and usually early. Any reasonable person could conclude this was an error on the billing side.
Product: Debt collection

My minor child accidentally had a fee on XXXX that she was unaware of. They contacted me by phone and our household by a letter. Both times when I spoke to them, they refused to speak to me even though I told them XXXX was a minor and was under the age of XXXX. They again refused to speak to me stating they could only give information to the child. I did not think that was accurate. I spoke to an attorney who stated in fact it is not legal to do that. She accidentally occurred without my knowledge and my name was not a cosignature. They refused to speak to me and insisted on speaking to the child. When I asked to speak to a manager, they refused to do so. This happened on XXXX separate occasions. I spoke to a third person, and after I told them I spoke to an attorney who stated this was illegal. They said they would then note in the file that she was a minor and would not continue to pursue the debt. When I asked for an email or written letter of this statement to be sure this matter was closed. They refused to give it. They states that they would notice it in her file and I could call in a few days to confirm.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

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

I've been trying to get all the credit bureaus to remove the child support claim from my records my case with them was closed on XX/XX/year> I DO NOT OWE ANYONE XXXX and I have proof of my case being closed not to mention since child support is unconstitutional and it violates my consumer and constitutional rights I feel like my identity has been fraudulently used to make this claim on my credit report and I also saw XXXX hard inquiries that I NEVER APPROVED I DON'T EVEN KNOW WHERE THEY CAME FROM!!! AND YOU WILL SEE AT THE TOP OF THE DOCUMENT I SENT MY CHILD SUPPORT CASE IS COMPLETELY CLOSED SO THIS SHOULD'VE BEEN REMOVED LAST YEAR WHEN I CALLED THEM AND ASKED THEM TO REMOVE IT
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Debt collection

This is not a duplicate! I did not request proof of validation, my concern is directly what rent recovery solutions llc reporting to the credit bureaus. they reporting two different account names and 2 different original creditors. please respond only to my concern.

XXXX  say the account name is Rent Recovery Solutions , LLC , but XXXX  just report Rent Recovery Solutions, that's two different names technically.

Also on XXXX  Rent Recovery Solutions LLC reporting their self as the original creditors which is inaccurate On XXXX  Rent Recovery Solutions reporting The XXXX, both can't be accurate. 

How was my previous dispute concerning to these matters to the credit bureaus was verify as accurate, you fail to correct the inaccuracies or delete them!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED HAS NO RELATION TO MY NAME, THIS ACCOUNT IS REPORTING INACCURATELY ON MY CREDIT REPORT AND HAS BEEN CAUSING DAMAGE TO MY FILE. PLEASE INVESTIGATE THIS ACCOUNT AND HAVE IT OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXXXXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX  XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit card or prepaid card

Someone tried to open a Target Red card in my name. They called to confirm it and I told them I did not apply for a card with them. They closed the application.
Product: Checking or savings account

I have XXXX in my old bank account with Truist bank thats been sitting. I would like to retrieve my fund. They say my Account is no longer active and is now closed.
Product: Credit reporting

I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
Product: Debt collection

My account with Walmart showed a purchase in XXXX 2019 that i did not recognize. I filed a fraud complaint and closed the account. Capitol One acknowledged the cancellation and began an investigation. On XXXX XXXX Capitol One sent a letter denying the claim with no information where, what or who charged it. I responded with a request for information establishing my responsibility for the charge. They have yet to document the original transaction. They reported me to the credit bureaus and have destroyed my rating. I just want to establish responsibility for the charge, delete the collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past few months : Have incresingly been flagged by multiple parties to provide more ID such as XXXX and SSN card where before I had no such requirements XX/XX/XXXX Went on XXXX to get free credit report. When prompted with security question by Experian involving past loans, was asked about an auto-loan in XX/XX/XXXX, which I do not have. 

Could not complete process for experian credit report, subsequent requests error out. I assume account was locked from free report Tried to go on experian website and create account, says they have a problem with my identity ( if there is a fraudulent car loan, of course home address was changed by criminal ). 

Uploading docs to their website is terrible, and they keep requesting I jump through more and more hoops. 

Tried to call provided number, system is entirely automated and kicks me off if I ask for 'operator ' or 'manager ' or 'live person '. Again system says it can't verify who I am when prompted for home address ( again because the fraudulent loan probably caused that record to be updated in Experian 's system ). 

I want access to my credit report and I want Experian to expunge the bad loan data from their system. I then need to trace down the bank involved and get my name off it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent few rounds of complaint to your company but you still posting this negative information on my name. Its not mine! Im sure that someone used my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry on my credit that causing and issue. It wasn't verify it was me. the XXXX  inquiry on XX/XX/2020 and XX/XX/2020 or not verify it me. well I have and account with XXXX and the inquiry on XX/XX/2020 is mine and it was verify. 
the XXXX  and XXXX  inquiry is not mine. please remove