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

In XXXX, I was called from the credit card company to notify me that my payment was last due. I immediately paid my account in full. In XXXX there was an interest charge of {$2.00} that I was unaware of. Due to being unaware I missed that payment which caused a late payment. I was never called nor emailed about these charges. This continued on until XXXX when I logged into my account and noticed this. I immediately paid my account in full. 

I am disputing this because to my knowledge my account was paid in full in XXXX. I was unaware of any additional interest charges and the credit card company NEVER notified me of these charges. They have always notified me in the past, and you can see by my payment history I have ALWAYS paid my credit card on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint with Ally because we sent a cashiers check to payoff our loan. They received it on XX/XX/22. They claim they mailed the check back to the bank, but without a tracking number and now its lost. Who mails a check for almost {$15000.00} without any kind of tracking number? We have been in CONSTANT contact with customer service and the collections department for the last XXXX months trying to get this resolved. We were able to get the check reissued and they received it on XX/XX/22. We kept them updated and let them know that it was on the way. Even though we have done nothing but try to work with them on this, they have been completely unhelpful and uncooperative. Today they reported us to the credit bureau and our credit took a very large hit..
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX XXXX reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY XXXX XXXX sent a notification to Equifax asking them to remove my XXXX XXXX account instead of removing the hard inquiry. i called Equifax and they referred me to XXXX XXXX. Capital One was unable to handle this case, wasted a working full day on phone communications.
Product: Credit card or prepaid card

An unauthorized credit card account that was opened in my name without my consent. Despite my diligent efforts to report and resolve this matter, I have recently received a letter ( XX/XX/2023 ) from Discover Bank stating that the investigation has been completed, and no fraud was found on the account and I am responsible for the balance of nearly {$50000.00}. They are going to report that to the credit bureaus. I strongly disagree with this conclusion. When I discovered that an account had been fraudulently opened in my name, I immediately contacted their customer service department and reported the unauthorized account. I closed the account and reported the incident to all three major credit bureaus, who subsequently removed the account from my credit reports. I am deeply concerned about this decision, as I have unequivocally asserted that I did not open the account nor incur any of the associated charges. I did not initiate the application process for the credit card account in question. I have never submitted an application, provided consent, or engaged in any activity related to this account. I have never had an actual physical card, so I could not even say the last four digits of the card when i was closing the account. I had to give my social security number to an agent for finding the account. I promptly reported the unauthorized account and diligently followed the recommended steps to close it.
Product: Checking or savings account

Received a letter from Wells Fargo in XX/XX/XXXX with a debit card to activate, but I never requested an account with Wells Fargo. Nor have I ever been a customer with Wells Fargo. There aren't signs of any identity theft - it seems that the account was opened by the bank in a scheme similar to the XXXX case.
Product: Credit reporting or other personal consumer reports

After XXXX threatened legal action. I paid them XXXX as agreed to avoid a legal judgment. XXXX days after I paid the account it seems XXXX or their representative reopened the closed account. This meant the status on the account changed from charged off and delinquent for 120 days to bad debt/collections. It could have been reported as charged off/paid. Or anything that represented that they now considered the account closed as they had received my payment. XXXX 's website acknowledges the payment. Their counsel acknowledges the payment but they failed to report it.
Product: Credit reporting or other personal consumer reports

Discover Bank illegally and incorrectly reported several payments as late. As per the terms of the XXXX XXXX, their representatives misadvised that I would only be eligible to receive any payment relief/assistance programs/offers if I showed signs of hardship ( Missed Payments ) despite my reaching out to them ahead of being late on any payments to let them know that financial hardship was on the horizon. Under the sanctions of the XXXX XXXX, this is seen as any solution as misconduct, misinformation and unethical behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. 

The fraudulent accounts are XXXXXXXX XXXX {$14000.00}, XXXXXXXX XXXX  {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some accounts and inquiries that I did not authorize. I would like the following information removed. 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 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: Checking or savings account

my payroll direct deposit is being held by capital one and as of XX/XX/year> XXXX XXXX I still can't access my funds. This will impact my Mortgage payment and My credit score if I miss a payment. 
Calling Capital one has a hold time of XXXX. No updates by emails or texts to let us know when to expect the funds. 
Access to the bank account is not protected by additional security with a PIN text which block you if you exceed a certain amount of time you access your account. 

This is not fair to us, we work hard for our money
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claims. These are not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  and XXXX XXXX XXXX they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and dated last reported in not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$380.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my TransUnion File XXXX dated XX/XX/XXXX Item 1 : XXXX XXXX XXXX XXXX - Account XXXX Never opened in XXXX Item 2 : XXXX XXXX  XXXX XXXX - Account XXXX Never opened in XXXX Item 3 : XXXX XXXX XXXX Did not give approval to be Authorized User on this account The item I have identified is inaccurate because I have never had a card for this company. 
Documentation can be account statements from the original creditor, payment history from the original creditor, a copy of the original signed loan agreement or a credit card application with terms and interest rates. 

I am requesting that this item be investigated and verified showing details necessary in order adequately reflect my true credit history on the attached report. 

I am asking you to reexamine this item and remove it from my file at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Mortgage

I am disputing the credit bureaus for retaining a closed account on my credit report. 
Chase Mortgage was transferred to another lender that bought them out in 2006 and therefore should no longer appear on any of my reports!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Installment account from XXXX with a balance of {$15000.00}, Line of credit from XXXX, with a balance of {$550.00}, a revolving account from XXXX, with a balance of {$660.00} and a Open account from XXXX XXXX, with a balance of {$5500.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

A family member and I were involved in a car accident, late 2021. A man clipped us and pretty much totaled the vehicle. While trying to figure out to handle that, a family member insisted I follow their lead and took me to a dealership that cold called them. They set us up with a used SUV with an almost 30 % interest rate and $ 700 monthly payment. The dealership put my family member 's yearly income as mine, the family member is nowhere on the paperwork as a co-signer, and then they proceeded to hit my credit multiple times until a finance company gave the details of the interest rate and monthly payment above. Blindly following the advice of the family member above, ( who later admitted they didn't know what they were doing either ), I was bamboozled. I've tried over ( 2 ) six month periods to refinance this car with my correct information and I've had no luck. It's like NO ONE wants to deal with this car. And now knowing that the terms of this deal are horrific, I want out. My credit has been hit REALLY hard and I just want to be made even.
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 b
e 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 del

eted from the file of the consumer. and according to 15 USC 1681s-2 they are
suppose to 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

these accounts dont belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- I disputed a XXXX account when I noticed it on my credit report. XX/XX/XXXX/ Early XX/XX/XXXX- I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXX- I pulled my credit report and saw this debt was still being reported to both XXXX and Equifax . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXX- I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on XXXX and Equifax. I 'm not sure how this can be especially considering that this account has been in dispute since XX/XX/XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit report that is not my account. XXXX ... XXXX XX/XX/2004
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed ; I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I noticed inaccurate accounts on my credit report, and I have no clue how they got there. I check my credit report regularly, but this time, there were sudden discrepancies out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but it wasnt. The inaccurate accounts remained, and its extremely concerning. I really hope the documents Ive sent will be reviewed properly so I dont have to deal with this anxiety again.
Product: Credit card

I had traveled to XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made online payment of XXXX on account balance of XXXX and requested a statement sent to me by email so I can check balance. My account was blocked disallowing me online access after the request, I could n't access online account or reach BoA by the either the toll free numbers from XXXX. 

Late payment was due to my inability to go online to pay on the account. BoA blocked the account access because they thought it was online fraud since I was using foreign network XXXX XXXX to access my account. I had tried to resolve this issue since my return with BoA, unfortunately the representative I spoke with did n't want to hear the effort I had taken to pay on the account balance. I have since paid XXXX original balance ; and have written to BoA to either waived or reduce the late and finance charges of XXXX. I also visited a local BoA office to see if they can help ; unfortunately I was told to deal with their collection agency. 

As of this writing no response from BoA on my petition. I have been a loyal customer since XX/XX/XXXX, I have paid on my account on time, this situation was very unfortunate, and was out of my control. This had affected my credit score created derogatory and negative information on my outstanding credit with all XXXX credit rating agencies. 

I would like your good office to assist me in resolving this issue with BoA to restore my credit score, because it was my very intent to pay on my account during my long absence that was the very reason why I requested for statement be sent by email since I know I will not be around the view my mailed statement. I have never informed any my credit card companies when I travel to foreign countries before. So I did n't know if I had to inform BoA of my trip to XXXX for that matter.