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

A personal credit card was opened in my name by PayPal Credit. 
They would not provide me with the fraudulent account information used by the criminal or a letter stating the account had been closed. 
The person who name was XXXX in their customer security operations was condescending when I explained I had two contradictory letters from them and wanted a letter stating the account was closed and that I wanted all the information used by this criminal. He stated I send them more personal information in the mail to prove that I am me, plus another copy of the Fair Trade Commission report even though they stated in a letter on XX/XX/2018 that they had received it. because I am asking them to do two different things. Plus, that all they were going to do is send me m name, SS and address since that is all that is needed to open an account with their company. 
This means that they did not use email, a phone number or address to confirm the person was me, but they want my driver 's license and social security card to go through the US mail to get the information corrected. ( They already have this information on my business account too. ) The young man XXXX would talk over me and play word games. Very disrespectful and not my experience with the other bank card companies that had opened accounts in my name not the ones who actually verified my information and would not open an account in my name for the criminal.. 
At this point I am not sure that they will close the account or provide all the information used by the criminal. Very disappointing to find that PayPal protects the criminal and does not protect their customers. 
FYI : XXXX fraud department is exceptional.
Product: Credit reporting or other personal consumer reports

Ive had a credit card for 3 years but on my report it keeps showing 1 year
Product: Credit reporting or other personal consumer reports

There are items on my credit report that does not belong to me. I have attached a copy of my id theft report, Id and mail with current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I gave advanced notice of XXXX  membership cancellation yet my account was sent to collection. 
In an email, they asked for proof of relocation and i sent a utility bill proving my relocation of more than XXXX miles which satisfies requirements to cancel membership. Yet I believe they used this information I provided against me by submitting my new address to the credit bureaus. 

Old address I used to register XXXX was XXXX XXXX XXXX XXXX XXXX XXXX XXXX New address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX these XXXX addresses clearly indicates that the distance is more than XXXX miles which qualifies for cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted Equifax, XXXX XXXX, and XXXX several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Product: Checking or savings account

I bank with Capital One for my checking and have direct deposit set up as I have for many years. My employer sent XXXX direct deposits this week, XXXX was in the amount of {$55.00} and the check number for that deposit is XXXX. The other deposit was on check number XXXX in the amount of {$1600.00}. Both deposits were due to arrive on XX/XX/year>, but I am enrolled in the early paycheck option with Capital One, so the deposits should have came yesterday. It is the afternoon of XX/XX/year> and I have not heard anything from Capital One or received any deposits this far. I have recurring payments and credit card payments due to come out of that account. This will also cause my Capital One auto loan payment to be late if I don't get my direct deposit soon. I need to be indemnified for any stop pays or late payment fees and derogatory marks that this delay in payment causes.
Product: Money transfer, virtual currency, or money service

I sold my currency in an app called Coinbase, I have money that is listed as available for withdrawal, and every time I try to withdraw my money a box pops up saying I have XXXX dollars available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inaccuracies on my credit on two different reporting bureaus. XXXX  is showing this account as 30 days late in XXXX, while Experian is showing the account as open. XXXX  is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experience with Equifax as a consumer my information was on their data breach my identity was stolen and shear with more than one third/parties XXXX XXXX and XXXX. according to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. This affected my credit score in every way emotionally I am stress this really made my life uncomfortable which has lots of negative, and a charge-off. All this was place on my credit history report without my consent I made calls to let them know that is a Violation of the CFPB they told they don't know what am talking about I would like for all this to be deleted asap with and update information it was taking off thanks.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX is reporting inaccurate and unauthorized transactions to my credit report They are reporting items that has been closed or removed on my account and creditors are still trying to get paid for items that have already been paid or charged off by companies like XXXX XXXX XXXX and child support as well as XXXX XXXX XXXX XXXX XXXX had inaccurate unauthorized charges which reported and dropped my credit score Inaccurate reporting from XXXX
Product: Bank account or service

I opened a Citigold checking account with Citibank when I saw a promotion offering XXXX of their rewards points upon opening the account and making two bill payments. After opening this account, I transferred some earnings from my personal business to this account and made the bill payments. I inquired with the Citibank support representatives as to when I should receive the rewards points, and was told that I should receive it 6-8 weeks after the closing of the following statements. 

I waited that time and still did not receive the rewards points. During this time I was hesitant to increase my reliance on Citi for my financial transactions due to their handling of this situation, and reverted to using my XXXX checking account for deposits and payments. I was told by a Citi representative that I could rest assured that I had fulfilled the requirements of the promotion. I did not receive news from Citi for months, and when checking the account again saw that they had charged me several hundred dollars in fees! My account had gone from having a balance to overdrafted by at least {$200.00}. This all happened without receiving a single statement in the mail or any news saying my checking account was overdrafted. I called immediately to protest the charges, and a representative reversed them. I again asked about the promotional points, and they said they would launch an investigation. That investigation ended with them saying something along the lines of " the promotion you used was invalid. '' Worse yet, when I tried to transfer the remaining balance to pay off a Citi credit card, their site would just return to the main account page with no explanation. When I called Citi support, I was told that my account had been SOLD to XXXX XXXX XXXX!! All without me knowing!! Now I have around {$150.00} " lost '' either with Citi and XXXX XXXX XXXX. They said they would transfer me to XXXX XXXX XXXX, but all the did was connect me to a voice automated line instead of directly to a XXXX XXXX XXXX representative who could assist me ( unlike what XXXX would do ). I went through the automated self-help line and entered my social to find my account, but it said it could find no account under that number. 

The end result of me responding to Citi 's promotional offer is being scammed out of the promotion, being charged fees, potentially being sent to collections because I was given no notification of an overdrafted account, and my account being sold without my consent or knowledge with no way to access that account!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint based on identity theft that took place with Experian, XXXX, and XXXX. The use of my social has been used against my will for several accounts that are now being reported fraudulently on these three major credit reporting agencies. I have also submitted a report with the FTC ( Federal Trade Commission ). Reference number XXXX and XXXX.
Product: Student loan

Interest Accuring while SAVE plan application is processing. I originally applied for SAVE income driven repayment program when it was first released to the public in early XXXX. It is still processing and my loans have been placed in Administrative Forbearance. My loan servicer is Nelnet and I have called multiple times to express my concerns. Since repayment is started, my loans have accured over {$500.00} in interest fees. I was told that the interest would not be waived. My question is why should the borrower be penalized with increasing interest charges because of these extended processing times. Is there a way to have the interest forgiven since the this delay is due to the poor planning of the loan servicers and the US XXXX XXXX XXXX?
Product: Credit card or prepaid card

Number 1 : I made a reservation with XXXX XXXX XXXX XXXX in XXXX NY Almost XXXX years ago. I had to cancel the reservations because of travel restrictions implemented by the XXXX of NY. I called the hotel directly and spoke to the owner and canceled my reservations over a week before the date. I was charged with a " no-show '' fee even though I spoke directly with the owner. I contacted American Express and disputed the charge. They said the charge was " valid ''. I never authorized XXXX XXXX XXXX XXXX to charge my card, but American Express charged my card anyway. I want the money that was stolen from me and allowed to be illegally charged by AMEX. 

Number 2 : I sent in a payment last month even though a payment was not due because I knew there was a charge coming up. I sent the payment on the XXXX of XXXX. AMEX held the payment until the XXXX of XXXX before they applied the credit to my account. They were allowed to charge me for interest because they decided not to apply my payment when it was sent.
Product: Checking or savings account

After depositing a check into my Wells Fargo account and making a withdrawal it froze my account and I had to wait on a check to be mailed out to me for my account balance it caused alot of hardship and issues over the wait.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX 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: Prepaid card

They called and pretended they were XXXX and offered to cut my bill down in XXXX if I opened up a debit card called NetSpend and paid my XXXX bill with it. They had all my information ; address, last XXXX of my social, what package I had, my monthly bill, etc. I called XXXX and they said they were not affiliated with NetSpend and that they are a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX JPMCB Home Lending reported that I was over 30 days late on a loan that was closed in XX/XX/XXXX. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Early in XXXX, I checked my credit report and I was alarmed when I noticed all 17 of my XXXX student loan accounts were showing 90 Days past due. This was a surprise to me because as recently as XX/XX/2019, I requested and received an administrative forbearance that covered most of the year. I am currently in school trying to finish my first XXXX XXXX, and there has been some confusion about my status in school, which has varied from half-time and less than half-time for purposes of deferment. Multiple requests through the XXXX site and their customer service finally proved fruitful as I was granted an administrative forbearance while my records were updated through the XXXX XXXX XXXX. XXXX subsequently sent me a letter saying I was approved for the forbearance, and this document detailed the dates the forbearance retroactively covered XXXX which included the time period in question ). That letter is attached below. 

I immediately disputed with XXXX, and subsequently XXXX   and Equifax, online and sending in certified mail, with the letter proving that the lates that were placed on my credit file were in error. The forbearance letter clearly states that the forbearance is retroactively applied, and further states that no payments are required and that no payments were required for the specific time period. XXXX, even after a formal CFPB complaint, refused to remove the lates. XXXX, after a formal CFPB complaint, did. I then informed Equifax that XXXX removed the lates, as required by law, and that they were required to remove the lates as well. They have responded only updating the status of my loans but NOT removing the late payments. 

I am filing a complaint against Equifax for not following the law in removing false and erroneous information from my credit report. This has already impacted my credit score and my credit file as one of my credit accounts reduced my credit limit due to this false listing on my reports. I am hopeful that CFPB can help remedy this important matter in a timely fashion. 

Sincerely, XXXX XXXX
Product: Debt collection

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish the accounts listed below on my consumer report? 

No. I most certainly did not. 

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section II of this letter on my consumer report.

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section II of this letter on my consumer report. 


Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised last month I mailed Capital One requesting information on my credit card account. Specifically I requested Capital One provide me a full payment history on my account to substantiate the late payments they are falsely reporting to the credit bureaus. On XXXX XXXX, XXXX I received 2 letters from Capital One. One stated that they are REPORTING the account CORRECTLY which is false. The second letter stated that they have included the information I requested ( full payment history of the account to substantiate the false late payment ). THERE WAS NOTHING IN THE ENVELOPE. Capital One is violating federal law by reporting false information and is harming my creditworthiness with their negligence.
Product: Credit card or prepaid card

Financial institution Bank Of America has a practice of charging a " minimum finance charge '' on my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed, which WILL NOT BE TOLERATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB complaint to request to the Credit reporting Agencies to remove the disputed accounts completely from my Credit File. I sent a letter requesting that the Credit Reporting Agencies reinvestigate the disputed accounts from my credit report as well as remove from my report during the investigation period. As of this date, the Credit Reporting Agencies have failed to respond to my request. Again, please reinvestigate if the following accounts that are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} This account was already deleted from the other Credit Bureaus and XXXX Credit Bureau have no rights to continue reporting this account. According to FCRA, Credit Reporting must be accurate. I need XXXX to remove this account immediately. 
XXXX XXXX XXXX XXXX : {$0.00} Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
Product: Mortgage

I spent 12 hrs straight for my request but failed finally. 

1. I was contacted and helped by XXXX to help me for email/fax me the last two statements so to be in time with my underwrite in my new loan for another property, finally He was inresponsible to me the result. 
2. XXXX -- XXXX -- XXXX -- XXXX  -- XXXX I gave all account information to them, They pulled up my mortgage info and promise to help me faxing papers rushing to deadline. All of them kept promising to help me faxing the statement through the fax line XXXX but I did not see any. 
3. Each time calling, waitinf period 30-50 mins for help. 


I only had one MORTGAGE Account original from XXXX XXXXXXXX, later mergered to XXXX, My Inquiries were crewed up, now I am waiting online to be helped.
Product: Credit reporting or other personal consumer reports

I have inquiries in my name that I didnt authorize nor recognize. 
And I also have a credit account in my name that I didnt authorize.And XXXX XXXX has my credit information, due to this.
Product: Debt collection

I have been disputing this account for a while. The company has attempted to verify the account. 
Wells Fargo card services-XXXX According to my credit reports this Account was opened on or around XX/XX/2014 at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
I did not live in XXXX at this time. I have attached a picture of my government issued ID at the time proving that I lived at XXXX XXXX XXXX XXXX, XXXX   XXXX. From XX/XX/XXXX-XX/XX/XXXX. This alone proves that the timelines do not add up. Please remove this account.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as one of the hundred and a half million people whose personal information, including my Social Security number, was exposed by the Equifax exposure. Equifax did not properly secure my information, and they are not properly handling this breach -- including their potentially data-exposing request for entry of name and social security number into their breach form, which is very exploitable to further guess peoples ' information.