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

I applied for the Capital One secured card. Last XXXX I was approved for access to the account through my ITIN number. The company sends a welcome letter to the address that I have personally. But then when sending the card they change the address in one letter and it is no longer possible to receive it. I request a resend of the approved card but it can not be done because the company requests documentation that I do not have because I am a foreigner. They ask me for an American telephone number to send a code but I do not have that possibility, the company does not send verification codes by email due to their policy. Also on my own I request a local number, but it does not work in the Capital One company system either. I traveled twice to XXXX  to a Capital One cafe and even in that way it could not be achieved due to the strict and antiquated verification systems. requested by the company. Until today, almost a year I can no longer use my approved card to build credit in this great country because of Capital One 's own system. I don't understand how the first time they sent me the welcome letter correctly and the next time the card never arrived but because of the company itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the data breach at equifax, I am putting a freeze on all 3 credit bureaus.
I had no trouble doing this with both XXXX and XXXX. BUT.. experian is causing me trouble.
I entered all the correct data on their website. But..they claim I did n't answer a question. Correctly. When I looked for more information ... I was told the question about a vehicle I purchased prior to XX/XX/XXXXwas incorrect.
Well..I am XXXX  years old. I have owned a XX/XX/XXXX, a XX/XX/XXXX, XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX, and a XX/XX/XXXX. But..they only want one. Which one? I think I guessed wrong. How in the world can anyone my age ever get this right?
Also..the question about phone numbers ... 3 of the possible answers were correct ... which one do they want? 3 are true.
So..now they want copies of my current utility bills to prove my current address. I have been the sole caregiver for my elderly parents for the last year ... the bills are all in their names.
How do I get thru to them? I need to see what is on my report and I need that credit frozen.
Every other redit report bureau had no trouble with my info ... geez ...
Please help!
Contact me at XXXX. Or by phone. XXXX XXXX I am really worried that the timing I. This is very important Thank you, - XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Product: Bank account or service

I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became aware of a fraudulent, hard credit inquiry for XXXX XXXX on my XXXX  credit report from XX/XX/XXXX. I placed a fraud alert and credit freeze at all three credit reporting agencies XXXX, XXXX  and XXXX. on XX/XX/XXXX. I called XXXX XXXX at their phone number XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of this fraudulent activity and on each occasion was informed that no account had been approved or created in my name and that the inquiry would be removed from my credit report. I also informed them of the fraud by email at XXXX on XX/XX/XXXX but received no response. I requested information from them in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX on XX/XX/XXXX and from XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX but received no response from either. On XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX for {$1800.00} for XXXX XXXX Account # XXXX. I never received any billing or correspondence from XXXX XXXX regarding this account, where this transaction took place or what it involved despite requesting it as described. I tried to submit a fraud claim directly to XXXX XXXX electronically several times but I am always denied the final submittal despite supplying all requested information. I submitted an identity theft police report to the XXXX Police Department on XX/XX/XXXX after receiving the collection notice and getting nowhere with XXXX XXXX. I will attach the police report and letters sent to XXXX XXXX if possible.
Product: Debt collection

I had an account with XXXX XXXX {$390.00} they billed my wrong insurance, then received a rejection. I paid the bill as soon as I was made aware. Was never provided proper notice to dispute and the Drs office also failed to cash my check for 6 weeks. Experian failed to do an proper investigation on Congress collection.
Product: Money transfer, virtual currency, or money service

Cash app failed to to take timely and effective approaches to prevent fraud leaving my account vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
Product: Credit reporting or other personal consumer reports

Ally Financial will not STOP ruing my XXXX CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to XXXX and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent Ally Financial account when the dispute resulted completed on XX/XX/XXXX they FRAUDULENT VERIFIED and LIED to XXXX that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXX I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXX with XXXX and reported the account CLOSED again and Ally Financial just verified to XXXX that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB ALLY FINANCIAL has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXX to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXXALLY FINANCIAL is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and XXXX is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to ALLY Financial and XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XXXX XX/XX/year>. Accounts : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a bankruptcy that discharge this debt in XX/XX/2014. My ex-husband still has the loan in his name. They reported the debt to my credit report which is now significantly dropped my score when I call XXXX XXXX  they do not return any of my calls.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 my Equifax account states My XXXX XXXX XXXX  name has changed 5 times on my credit report. Decreasing my score by XXXX points. Name changes should not affect a credit score. I disputed a paid account on my credit file XXXX XXXX in which i filed a report about because the account was opened by a XXXX  at the time. The merchant is aware it was a fraudulent account and opened by a XXXX. This should not have affected my credit score by disputing because it is a paid closed account. Accounts are being tampered and reported more than once per month. 

This is absurd and grounds for a lawsuit. Who give Equifax the authority to re-open accounts and post to credit report?
Product: Mortgage

I have been attempting to resolve this issue with Chase for MONTHS, regarding account number XXXX, which is related to a short sale done on XXXX XXXX XXXX XXXX, Ca - My previous CFPB complaint yielded some attention from chase, but they conducted an investigation on the wrong account. After sorting though their error, we ascertained that they indeed conducted an investigation on the wrong account, and they opened up a new executive case # XXXX - then I spoke to XXXX, and she agreed that due to the short sale being done on this property, California law protected me from any XXXX Lienholder deficiency balances or claims. She assured me the debt would be canceled out and I would receive written confirmation within 10 days. After not receiving any correspondence I call back again today, and they were unable to locate my executive case number, and to my grief, they said my account had been assigned to a third party collection agency! Wow, we went from " we are sorry, debt is being cancelled '' to " your account is no longer in our office, it has been assigned to collections. " I am disgusted, exhausted, and upset. Luckily, I have the call recording when I spoke to XXXX at Chase which I will be uploading for your review. Please, somebody do SOMETHING about this.
Product: Debt collection

On or about XX/XX/XXXX my identity was illegally used to apply for a Federal Student Aid Loan. I did not sign for or apply for any loan with XXXX Universities or any Federal Student Officer. XXXX Universities created and process a XXXX Student Aid Loan fraudulently using my identity without ever having me sign a single document. Once they  received the loan from the Federal Government through the Department of Education, I was never told about it. Once I learned of this after a year later, I tried to resolve this identity theft loan issue with the College, however they knew they had been caught, so they blocked all access to this matter of course. The debt was disputed and once removed from my credit file, only to be replaced back on my credit file serveral years later through the Department of Education and and company called Bass and Associates. This loan is a " Well Known '' identity theft case, involving www.pin.ed.gov. a former Website that was identified as the conduit that identity thieves could very easily exploit. The Department of Education took action against this after receiving my certified letter to the Department of Education OIG on XX/XX/XXXX. On XX/XX/XXXX this website was shut down and a new process put in place called the FSA ID. Since I discovered this conduit, it's been a consistent battle to get this undisputed illegal debt obtained under false pretenses by XXXX Univesity with the US Department of Education fully removed from my Credit File. They are deliberately trying to maliciously attack my Credit Rating by placing this back against my Credit File and it is still affecting my credit to this day nearly 10 years later. This needs to be addressed and actions taken against those involved in this injustice. It is in direct violation of the FCRA and is a total fraud that was fabricated through a well known conduit for identity theft to occur through www.pin.ed.gov.
Product: Mortgage

In selling my house, the buyer was getting financing through Wells Fargo Home Mortgage Wells Fargo delayed the closing at XXXX the day before closing because " they needed more time '', with no explanation as to what the hold up was or any idea of how long things would be delayed. They had communicated the week before to the buyer that things would be on time. Subsequent calls and emails to try and get details or information went unanswered and unreturned. I 've called and emailed the loan officer, his boss and his bosses assistant with no answer, reply or call back. 

The Loan Officer involved in XXXX XXXX XXXX ( XXXX ) and his boss is XXXX XXXX ( XXXX ) I understand closings get delayed at times, but the combination of the last minute notification, no information and no follow-up from multiple parties at Wells Fargo is unacceptable and unprofessional. I will incur an estimated additional {$500.00} in moving expenses alone due to the delay in closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation has taken more than 30 days FDCPA SECTION 807 VIOLATION Please remove this inaccurate information on my credit report Account involved in litigation " inaccurate reporting '' an inaccurate reporting of a PAID OFF ACCOUNT " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' a COMPLETELY PAID OFF account REPEATEDLY LISTED AS CHARGED OFF EVERY MONTH continues to re-age my accounts and reflects negatively on my report. 

XXXX ACCOUNT NUMBER : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated, before this account is involved in litigation. According To The FDCPA SECTION 807 VIOLATION you are reporting Misleading false information.
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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX has violated my rights. Or 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: Credit card or prepaid card

I feel I have been treated unfairly by Chase Bank. I feel the act of closing my account before the matter could be reconciled is unfair and deceptive. I had minimal interest and a charge to my credit card made by a merchant in error. The account should have been charged by the merchant in a different means. 
This credit card has a {$7500.00} available credit and was paid in full on XX/XX/XXXX. What I did not realize is that Chase had added interest charges of {$39.00} after it was paid off and in XXXX XXXX pass charged the card {$25.00} in error. I do not get paper statements in the mail on this account and was unaware this charge went on my card and was not checking the balance on the card because the card to my knowledge had not been used. I found out about the past due balance of {$180.00} on XX/XX/XXXX When I applied for a mortgage and found my credit had dropped about XXXX points. I immediately went online and found the account had been closed and had a balance of {$180.00}. I paid the balance off and called Chase the next day. When I ask Chase to reopen the account because of what it has done to my credit they refused. I did not receive any phone calls on the past due balance and Chase had stated that they sent a letter. I reminded them that my account is paperless and that I do not receive statements and I do not open promotional type mail and that I did not receive the letters. 
I checked my profile on their site and they have my correct and current phone number. 
This has had a devastating effect on my credit and may prevent me from getting a mortgage. Chase has refused to work with me on this problem and that is why I'm lodging a formal complaint.
Product: Checking or savings account

On XX/XX/2020, I tried to use my Chase ATM Debit card to withdraw money. I wasn't able to. On the XX/XX/2020 I called Chase Bank and asked why I wasn't able to withdraw money. Customer Service told me that my accounts were being closed. They were unable to give me a reason. They told me that my money would be issued within 10 business days and that if I wanted more information, I would have to go into a Chase Bank Branch in person to request the reason why. I went to a Branch on XX/XX/2020 and was told that they did not have any additional information to give me. The branch manager called the " backoffice '' for me and they told her that they could not tell her why they closed my accounts. They told me that they would issue me a letter. I received a letter saying that the Bank had decided to end my relationship and that no further information would be given. I have perfect credit, have never had a bounce check or late payment but was still not given any reason. My Checking account ending in XXXX had a balance of {$7800.00}. My account was closed " OFFICIALLY '' on XX/XX/XXXX. The account was put on restriction on XX/XX/XXXX and I was not allowed to withdraw my funds. Today is XX/XX/XXXX and the bank has not released the funds. After spending 2 hours on the phone, I was told that my account was under review with Loss Prevention and that the funds could not be issued. I explained to the representative that I was told the money would be sent. Chase refuses to tell me when my money will be released and they told me to call back on Monday the XX/XX/2020. The bank is holding my money hostage and will not release the funds. I want to know why they are doing this and why they closed my accounts without any warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT REPORT AND NOTICE SOME INNACURATE AND INCOMPLETE ITEMS ON IT, SO I SENT A LETTER TO TRANSUNION ON XX/XX/2020 ABOUT THIS SITUATION ASKING TO VARIABLE PROOF OF THE INFORMATIONS UNDER THE FCRA XXXX XXXX XXXX SECTION XXXX ( a ) ( XXXX ) ( A )
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I paid XXXX XXXX off. Its showing paid off on my credit but they wont remove it