23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My debit card number was compromised and on XX/XX/XXXX and XXXX I had XXXX debit withdrawals from XXXX that totaled {$3500.00}. That pretty much drained my bank account. I called Sofi and they filed the fraud complaint but they told me it could be up to 90 days before I can receive my money back. This was obviously fraud and I think it should have been caught after a few debits but it wasn't. I called the Member Security Office but they don't answer the phone so I left messages and no one has called me back. I asked for a provisional credit but it has not happened. I am XXXX XXXX XXXX and it is very difficult not having my money.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to make payment for my Neiman Marcus credit card account which is through Capital One. The payment due date is the XXXX. The system would not allow me to select the XXXX offering only the XXXX as the earliest payment date. I made the payment and received a confirmation email ( included ) on the XXXX. Upon receiving my XXXX invoice of course these scumbags are showing a " late payment '' with a " late '' fee and interest. Why would I intentionally give this crooked creditor any chance to charge me bogus fees and interest? When their system will not allow someone to select what should be the correct and available payment date how is this okay or legal?? This is the second time in less than one year I've had to file a complaint against Capital One, the last time their customer service led me on when I tried to resolve the issue through them so I won't be bothered to go that route again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Product: Credit reporting or other personal consumer reports

I repeat I repeat I have contacted XXXX about these fraudulent accounts and they need to be removed immediately this is probably the third time I am doing this report and I'm a victim of the Equifax data breach and these accounts are fraudulent and I never authorized them and never open them so immediately remove them all and these hardened inquiries and items off of all my credit reports XXXX needs to remove these particular accounts I have told them numerous times XXXX needs to remove the following address as they never belonged to me XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX FL XXXX XXXX accounts below needs to be removed immediately XXXX XXXX XXXX {$170.00} XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX payment Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX  BANK Account number XXXX XXXX XXXX Account number XXXX XXXX  Unknown payment history {$6200.00} Closed XXXX Account name XXXX  BANK Account number XXXX XXXX XXXX XXXX 
XXXX payments {$0.00} Closed Account info Account name XXXX XXXX XXXX 
Account number XXXX XXXX BANK XXXX {$920.00} Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX BANK Account number XXXX XXXX BANK XXXX Account number XXXX XXXX  XXXX {$570.00} Closed XXXX  XXXX Account number XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax inquiries need to be removed XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- - XXXX needs to remove this inquiry XXXX  Inquired on XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

My wallet was stolen in 2019 and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of XXXX XXXX XXXX. Further furnishing account in direct relation to identity fraud is in violation of XXXX XXXX XXXX XXXX I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XXXX XXXX and it was closed immediately. I submitted a complain again last XXXX, XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

There are 6 credit inquiries on my credit that I did not authorize. All the inquiries are auto related. I have not gone auto shopping. The inquiries were on XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I called the institutions to inquire as to who asked for my credit to be pulled and who authorized as I didn't? 

All the companies told me that they had no record of an account for me and have no record in their system of my name or a credit pull so they couldn't help me. I was directed to call the credit reporting agency. 

I called and one agency told me that only the people that pulled the credit can remove it. The other agency told me that I have to file a report and send into them. This is where I am in the process.
Product: Mortgage

I had a mortgage with Residential Credit Services, the loan was forclosed in XXXX 2010. The home was vacated and returned to the bank. Since that time, I have submitted more than 5 requests to correct the credit file report to XXXX. RCS will not update the account status and continues to show the account as open with a balance owing of {$110000.00}. The same report to XXXX indicates a closed account with a XXXX balance owing ...
Product: Student loan

In order to refinance my mortgage, which I desperately need to do and as quickly as possible ( or it may not happen ), I need a payment amount to show up for my student loan on my credit report. However, because I was on forbearance, it is not showing up. I then applied for a payment plan, only to find out on the 10th business day when they finally answered my phone call that they would not be able to put me on a payment plan due to COVID-19. Thereafter, we decided that a suitable alternative would be a letter that could be emailed to me explaining the circumstances. However, they keep changing their story and at first, they were saying they would send that letter within a couple of hours and then they kept subsequently changing the time frame. This is unacceptable.
Product: Money transfer, virtual currency, or money service

I made a trasfer from one of my paypal account under ID XXXX to a closed XXXX  account for an amount of {$5.00} USD which should have never gone through as the account was closed many years ago. I was expecting the amount to reverse back to my Paypal account so that I could transfer then to the right account. Transaction was done on XX/XX/2024 and Paypal support says that payment has already been credited to XXXX account. I went to XXXX XXXX  yesterday and they could not find the account ending XXXX as I might have closed that account over 10 yrs ago. Just confused as to how I collect that money. It is a small amount, but I am not getting right answer.
Product: Credit reporting

I have disputed a collection account XXXX XXXX who has been reporting false information on all XXXX of my credit reports. I inform Equifax and disputed the information on my report along with documentation regarding the false and inaccurate information. Within one week the return with The Company states it 's my account and it will remain on my report. I would like to file a complaint for them failure to properly investigate and continue to report false information on my report. I 'm also complains about XXXX XXXX XXXX XXXX Credit Card that was included in my Bankruptcy and they refuse to put a XXXX balance as I previously disputed.
Product: Mortgage

Select Portfolio Servicing ( SPS ) keeps adding unjustified " Fees and Other Charges '' to my mortgage account. When I ask what the fees are SPS say that they are for attorney fees, and things. I have paid said attorney fees over and over again. We were in court months and months ago and all fees were paid. The account was up to date. Suddenly " Fees and Other Charges '' in the amount  {$900.00} showed up on my XX/XX/2020 statement. When I logged into the Select Portfolio Servicing web portal the " Fees and Other Charges '' shows as " Fees and Advances '' and the amount is now {$930.00} and not {$900.00}. Now the total due is {$930.00} ... the EXACT same amount as my monthly payments. When I called and asked about the {$930.00} charge ... .I was again told that it was for attorney fees, inspection ( no inspection was ever done. ), and " stuff ''. 

As a minority I feel that this is a further attempt to keep my account in a less than favorable standing so that " Fees and Other Changes '' can be added at will.
Product: Debt collection

RGS Financial is attempting to collect a debt for internet service that it didn't even attempt to validate. They claim the original creditor is XXXX XXXX. This is the second debt collector that has appeared on my creditor report via XXXX XXXX regarding such an item. I have NEVER used this service. I have been using a different Internet provider for the last 9 years. This is second debt collector REMOVED it after it was not able to validate it. NOW RGS without even attempting to write me have just placed this collection on my credit. Absolutely NOT MINES.
Product: Debt collection

Lendmark financial keeps sending me promotional ads for loans after I told them to stop doing so and to stop contacting me. I currently have a loan with them, a personal loan. they would send me promotional ads for loans in the past as well. i reported them to the nc doj recently and they were told not to contact me. they also reported duplicate accounts on the credit report. i got a promotional ad for a personal loan today in my email. they are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I found a new home we decided to buy it so when the lender ran our credit everything looked good but one account on mine it was from U.S Bank it said never paid a bill 90 days late cancelled account. I told the lender I do n't know anything about this account so they game me contact numbers to call to find out more about this account. Finally after four different numbers being transferred to and waiting at least 10-15 minutes each time to talk to someone I found that U.S Bank is a credit card company and someone took my information when on the internet applied for a credit and was approved for {$5000.00} so this person that stole my information purchased {$4200.00} of merchandise and never paid on it. So I talked to the lender and they said this shows up bad on credit score and this is going to drive your interest rate up maybe not even be able to get the house I had a XXXX credit score before my information was stolen now it 's a XXXX. I.S Bank told me it will take 90 days to take care of this and when they are ready to clear this from my records they will send a letter in the mail saying it 's taken care of. My wife and I ca n't wait 90 days we can miss out on this new home we are trying to buy I spoke to atleast 3 different people from U.S Bank on the phone all them say the same thing 90 days this is just not fare or right how can someone go on the internet apply for a credit card and get approved? My wife and I are frustrated we do not know what to do?
Product: Credit card or prepaid card

In XX/XX/XXXX I received a notice from Bank of America that my AAA XXXX rewards credit card offered by Bank of America would be transferred to a new banking institution. As I did not want to begin a relationship with another bank, I called Bank of America to cash out all the points I had accumulated on the card and close the account. I received confirmation on XX/XX/XXXX that this would be completed and that I would receive an AAA  XXXX  Check for the value of my rewards in the next XXXX weeks. 

In XX/XX/XXXX when I still had not received an AAA XXXXXXXX Check for my rewards, I called Bank of America and spoke with a supervisor who initially indicated there was nothing they could do and suggested I call the new bank that had taken over the card. I protested as the whole reason for cashing out all the rewards and closing the card was to avoid any dealing with a different financial institution. I also clarified that as the account was closed and cashed out, I did not understand how a new bank would have any records or any responsibility for this. At the end of the call she agreed to speak with her wider team to come up with a solution. 

In XX/XX/XXXX XXXX  I still had not received any substantive update, solution or AAA  XXXX XXXX. I again called and was transferred to a different supervisor. This supervisor saw some limited notes about the previous problem, but also expressed difficulty in constructing the whole story due to the product being closed at Bank of America. She again promised to research with a senior team and to get back to me with a solution. I was provided a XXXX XXXX number of XXXX. It is now XX/XX/XXXXXXXX and I still have no update nor any resolution. I am now out nearly {$XXXX} in rewards value ( just under XXXX points valued at XXXX XXXX  each for an AAA  XXXX XXXX ) and have little confidence this will be resolved as each time I call I start the process with a new agent and no progress.
Product: Credit reporting or other personal consumer reports

t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer. 
t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA XXXX Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( 3 ) accounts within the last 90-120 days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXExperian InquiriesXXXX 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

I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 ) XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX  {$8400.00} 8 ) XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my personal data has been exposed in an XXXX  data breach. I am attaching documents to support my claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ELAN FINANCIAL SERVICES has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Wells Fargo closed my accounts and has yet to send me my funds that was in my account
Product: Credit card

I was sent a mail letter to my house address in XX/XX/XXXX  of a new credit Card that was opened. I have never applied for a credit card for this company ( citizens banking ) nor have I ever opened any accounts at all with this company. Ive also received suspicious email on XX/XX/XXXX  about a phone number being changed on the account. I reported the problem to the company on XX/XX/XXXX  and they verified it was reported fraud. Theyve notice that there was a savings account opened along with a credit card that has been recently applied for. I need this account to be completely removed and reported.
Product: Checking or savings account

I started and signed up with frost Brokerage onXX/XX/XXXX. The fraud started that day. I discovered that XXXX XXXX and his family had taken over my financial identity and accounts and had been abusing my brokerages, bank accounts, taxes, loans, business and personal loans, vehicle loans, real estate loans, business buy out assets, XXXX XXXX XXXX trust funds, mutual funds, REIT s, tax refunds, credits, interest payments, beneficiary money due to me, trust account and personal accounts tax fraud, business trust fraud, company security certificate fraud, brokerage fraud, IPO rewards style fraud that the company ran the profits through my tax reporting every year illegally, etc..... 

It has been extremely dangerous and I am scared for my kids and my life here. Please help us. My cell phone is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXXXXXX 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 Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX