23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding repeated inaccurate reporting on my credit file by both XXXX and XXXX, concerning two separate matters : 1. Capital One Account ( Account # XXXX ) For years, I have tried to get this issue resolved. I even contacted the CEO of Capital One, but no resolution was ever provided. Capital One more than tripled the balance after closing my account without any notice, despite the fact that I always paid on time. The current reported balance is {$3500.00}. This is my fourth or fifth attempt to have the balance due on this account accurately updated. Despite numerous requests to XXXX, XXXX, and Capital One for a fact check and verification of the balance, no corrective action has been taken. 

If this matter is not resolved promptly, I will have no choice but to seek arbitration. Additionally, I will escalate this to the Federal Trade Commission ( FTC ) and pursue claims under the Fair Credit Reporting Act ( FCRA ) for failure to correct these errors. 

XXXX has already removed it years ago since it was inaccurate and expect you to do the same. 

XXXX. XXXX XXXX XXXX showing as Collection XXXX for XXXX XXXX There is an incorrect collection account reported by XXXX XXXX XXXX for a debt allegedly owed to XXXX XXXX. I am not liable for this debt, and I have no contractual relationship with XXXX XXXX XXXX. Despite my request for the original contract and proper documentation, none has been provided, making this debt unsubstantiated. This collection should be immediately removed from my credit report as I am under no obligation to XXXX XXXX XXXX. 

In addition, I would like to highlight that due to the recent XXXX data breach, millions of consumers ' sensitive information, including personal and financial data, have potentially been exposed. This incident increases the urgency of resolving my credit disputes, as I am now more vulnerable to potential identity theft and fraud. With XXXX being at the center of this breach, I demand that these inaccuracies be addressed immediately. Otherwise, I will be forced to pursue arbitration and further escalate to the FTC or other relevant agencies under the FCRA. 

Please confirm receipt of this complaint and provide details on any actions taken to resolve it. 

Thank you for your attention to this matter.
Product: Debt collection

hello! 

I have two credit cards that have gone into collections, one is a XXXX XXXXXXXX XXXX   Card that has XXXX dollars that i owe, the other one is a XXXX XXXXXXXX XXXX Card that has XXXX. both of these cards were opened by a family member has opened and i was unaware and now I am receiving calls saying that i owe money on them, I have been in contact with that family member who refused ever opening the cards and i talked with the companies about helping me get them either opened again so i can own them and make payments on them or just take the negative remark off of my credit to which they can not help at all. I have tried to make a settlement with them and they still will not help. 

my name is XXXX XXXX my social is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Checked my credit report today XX/XX/year>. My name was wrong as it had the wrong middle initial and my date of birth was wrong by 23 years. As well as several addresses and phone numbers listed to me as passed numbers and addresses. A lot of the credit history did not pertain to me at all, I never had any interaction with several of the businesses or have any business with them at all. Thank you for looking into this as I believe it has been affecting my score for some time now only I have just become aware of it.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Dear Transunion XXXX XXXX, I am writing just to make some corrections to my credit report, specifically addresses and places of employment. Some of the information provided will either relate to XXXX or Transunion, not always both! 
INACCURATE ADDRESSES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE EMPLOYMENT ; XXXX. XXXX XXXX XXXX INACCURATE NAME SPELLING [ S ] XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX Please delete all the inaccurate information that is listed in my Consumer report that You see listed here above. Thank You!
Product: Credit card

1. Account Transfer and Initial Inquiry In XX/XX/XXXX, my account was transferred from Dell to Community Bank. 
In XX/XX/XXXX, I contacted Community Bank to inquire about the balance, as I was concerned that : The account was not yet paid off.

The balance had increased since the transfer.

I needed a breakdown of payments and transaction history.

2. Identity Verification Issues & Account Closure I attempted to verify my account online, but the verification failed.

I then called Community Bank, but phone verification also failed. 
I was instructed to send an email to their account verification department with : Drivers license Social Security card Proof of address I sent the required documents on XX/XX/XXXX. 
XX/XX/XXXX ( just two days later ), I received a letter stating that the account was closed.

Upon calling Community Bank for clarification, I was informed that the account was closed by their fraud department because they were unable to verify the account using the information I provided.

3. Request for Audit & Lack of Response Since Community Bank could not verify my account using my own personal information, I refused to make payments until they could prove that the account belonged to me. 
I asked how the account was transferred, whether it was merged with another account, and if there were errors in the transferbut I received no clear answers. 
On XX/XX/XXXX, I sent a certified letter to Community Bank formally requesting a full account audit, including : A full transaction history of the account.

Confirmation that the account actually belongs to me.

An explanation of the discrepancies in the balance from the transfer.

Community Bank never responded to my letter, yet they continued reporting the account to the credit bureaus. 
4. Credit Bureau Dispute & Continued Reporting In XX/XX/XXXX, I disputed the account with the credit bureaus based on Community Banks failure to verify the account and their lack of response to my audit request. 
In XX/XX/XXXX, Community Bank verified the account as valid with the credit bureaus, despite : Previously closing the account due to fraud because they could not verify my identity.

Failing to provide me with a full account audit or transaction history.

5. New Information from Community Bank ( XX/XX/XXXX ) On XX/XX/XXXX, I contacted Community Bank again. 
A representative told me that the account had been " verified '' in XXXX XXXXyet I was never notified, nor do I know how or with whom they verified it. 
The representative also stated that it was not their responsibility to provide a full audit of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX  and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX  and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.
Product: Mortgage

On XX/XX/2024 @ XXXXXXXX XXXX I called PNC and talked to XXXX XXXX, Sr. Mortgage Loan XXXX XXXX ID : XXXX and he stated the phone call is being recorded*. At that time I stated I had several home mortgages with PNC and called them first, XXXX stated he was a Sr. Mortgage Loan Officer for many years and has won awards, etc. and after XXXX minutes he structured a loan for a condo in Oregon that we had an offer in on, the loan would have both my daughter ( XXXX XXXX and myself on the loan. 

I did explain she would be living there in the condo but I would be staying in California. I also stated I was willing to put 20 % down on the property. XXXX went through several loan options with rates and point and then he said ; I have a great loan! If I put down 25 %, he would lock 7.375 % / XXXX yr fixed with XXXX point. He said payment ~ {$1100.00}, closing cost ~ {$4400.00} and needed at closing~ {$57000.00}. He said he can lock it in now and we would have a one-time re-lock chance generally around closing, I said lets do it! XXXX took my credit card info for credit report ( {$130.00} ) and other personal info and called my daughter for her information. Loan reference # XXXX The on line process/timeline showed completed ; Fill out application Review and submit application Document upload and loan team review Submitted to processing Submitted to underwriting then on XX/XX/XXXX ( 11 days later ) XXXX XXXX calls and said he can not do the loan, he need to change the points from XXXX to XXXX or he can restart the loan all over from beginning. I stated we had a 30 day close in the offer and now everything is all messed up. I also stated that this was unacceptable and he is the one that ( I guess ) set-up the load wrong! How could someone that is a Sr. Mortgage Load Officer make this type of mistake? I explained very clearly the type of loan we wanted ( remember call are recorded ) and after 11 days and above ''Review and submit '', ''Document upload and team review '', ''Submitted to processing '' and ''Underwriting '' and now I have to pay XXXX point not XXXX point, that seems wrong like 'bate and switch '. 

If XXXX XXXX did his job and gave me the correct information originally I would have not wasted 11 days!!! I'm very upset and he now has jeopardize us getting this condo and losing our earnest money! 

Very unprofessional of PNC and XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX  a charge for XXXX and another for XXXX was charged to my virtual debit card! I called right than while the charge was pending and I was told I had to wait for the transaction to be completed! The next day I called filed a dispute! I was denied why I do not know, I never received any documentation on why! I called and was told its no way my virtual card was used on XXXX XXXX, XXXX! On XXXX XXXX, XXXX  I filed a dispute because that same virtual debit card was used for 4 transactions for a total of XXXX and I was refunded in full! XXXXXXXX XXXX offer to investigate the matter about the XXXX, XXXX  transactions! But needed the virtual card number that was used to make the unauthorized transaction, I was told its no way to get the card number! And now my money just gone!!
Product: Checking or savings account

I logged into my  wells fargo mobile account t o check if I had funds available to purchase clothing for my child, the mobile app reflected that I had sufficient funds. After the purchase was made multiple charges posted to the account lowering the available balance causing an NSF fee to be charged.  <P/> When I contacted wells fargo they wear willing to refund part of the NSF fee amounting to about {$3.00} that suggests they accept some responsibility.
Product: Mortgage

On XX/XX/XXXX, I applied to refinance my mortgage with Ally Home Loans. The statement on their website is " If you already have an Ally account, we will pay {$500.00} towards your closing ''. I have an account with Ally and wanted to take advantage of the lower interest rates in the market. I applied and the offer at the time was 2.9 % for a 30 year loan. Wanting to lower my payment further, I applied to purchase points to get a 2.375 % rate for the 30 year loan. In the initial disclosures, the point cost was roughly {$5800.00} with a {$500.00} discount ( the {$500.00} towards closing promised ). During the remainder of the month, we completed all of the paperwork for closing. After all of the information was settled, the loan amount was estimated to be {$390000.00}. Part of the closing costs was {$8200.00} fee for 2.103 points being purchased. I did research and came to an understanding that : 1 point = .25 % discount ( standard among lending institutions ) Purchasing of 1 point cost = 1 % of the loan ( standard among lending institutions ) According to our loan, the following would then apply : 2.9 % ( rate w/o points ) - 2.375 % ( rate with points ) = .525 % discount .525 % discount / .25 % ( discount per point ) = 2.1 points 2.1 points = 2.1 % of the {$390000.00} loan value = {$8200.00} points fee ( small difference due to rounding from 2.103 % ) I asked about the {$500.00} discount, which was supposed to be taken out of the points fee, and they responded that it was already included. They further responsed that they would have charged me {$8700.00} ( {$500.00} more than the standard among lending institutions ), but discounted that fee by {$500.00}. Basically, they are overcharging me {$500.00} for points and then discounting that overcharge to bring me back to the standard among lending institutions. I verified that XXXX  XXXX XXXX would have charged {$8200.00} ( 1 % of the loan per point OR {$390000.00} x 2.1 % = {$8200.00} ) per their website : XXXX  : XXXXXXXX Ally should only be charging me {$7700.00} ( {$8200.00} standard - {$500.00} discount ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian investigate and remove this account because it is inaccurate and inconsistent, and I am entitled to a 100 % ACCURATE credit report. They said that the company said this account was verified, but they failed to properly investigate and remove this inaccurate item
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX respectively, two credit card charges were made by me on my Citibank Costco visa card for the amount of {$680.00} and {$200.00}. Due to COVID-19 and travel restrictions, multiple attempts were made to cancel the booking and obtain a refund. Both hotels agreed to not charge but XXXX was not responding to request for a refund, so credit card dispute was started. 
While the dispute was going on, on XX/XX/XXXX, the XXXX agreed to refund both charges. Keeping that in mind I withdrew my dispute with my credit card, letting the charges for both amounts get posted on my account. 
I got the confirmation for cancellation from XXXX on XX/XX/XXXX for the same. 

On XX/XX/XXXX, XXXX, and XXXX, I received multiple emails from XXXX that the refund was not processed and to call them. After the call, I was sent an email again saying the refund has been processed. This happened for both hotels. All this while the conditional credit was removed from my account and charges were made for XXXX. 
Both refund emails were sent to me again on XX/XX/XXXX for both the charges. 

On XX/XX/XXXX, XXXX sent another letter saying they can not issue the refund, provided me with a chargeback number, and requested I follow up with the bank. 
When I contacted Citibank, they said they can not do anything since I accepted this charge. 
I contacted the XXXX again and they said they had already dispensed XXXX for one the hotel booking and that this charge will have to deal with my bank. For the {$680.00} charge for another reservation, they would need a letter from the bank stating that they are no longer pursuing the dispute, for XXXX to refund. 

I have contacted them every day for the past two weeks and have been transferred from one department to another and have stayed as long as two hours on wait only to be disconnected and start all over again. 

Citibank is not cooperating and providing the service that they are supposed to, nor are they assisting in resolving this issue. It has been frustrating and financially excruciating as I am still being charged for {$880.00} ( XXXX+XXXX ) for services are didn't use and had canceled them within guideline to be eligible for a full refund.
Product: Credit reporting, credit repair services, 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 # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Agency name : XXXX XXXX XXXX, Date : XX/XX/XXXX, ( {$480.00} ) Agency name : XXXX, Date : XX/XX/XXXX, ( {$2.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date : XX/XX/XXXX ( {$260.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date XX/XX/XXXX ( {$170.00} ) 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 an 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, 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 reporting, credit repair services, or other personal consumer reports

The credit report dated XX/XX/XXXX provided by XXXX showed XXXX XXXX for two accounts showing on my Transunion report. Those accounts numbers were account # XXXX and XXXX. As of XX/XX/XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XX/XX/XXXX. This means that XX/XX/XXXX would be the correct Date of First Delinquency. As of XX/XX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. XXXX XXXX, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the  law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XX/XX/XXXX. From XX/XX/XXXX until the time that I filed the dispute with the credit bureaus in XX/XX/XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from XXXX XXXX. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XX/XX/XXXX. They are reporting a date in XX/XX/XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent one so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually XXXX XXXX that is reporting the accounts to Transunion.
Product: Credit reporting or other personal consumer reports

I have already filed a dispute on their website. they claim that they investigated it and that the account is mine even though it isn't. it seems to be paid and closed but several payments were late. nothing about this makes sense to me or anyone i've spoken to. 
i attempted to make a second dispute with more information but experian will not allow me to log into my account to dispute a fraudulent part of my report. I also am unable to speak to anyone about this. their website appears to be faulty
Product: Credit reporting or other personal consumer reports

Please Remove : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX6 XXXX XXXX XXXXXXXX, NC XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Complaint department please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. As far as I know you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated that you verified that these items are being reported correctly? Who verified these accounts??? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX  XXXX