23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I attempted to transfer my Venture rewards points to XXXX XXXX. I tried multiple browsers and on the mobile app. I was unable to verify my phone number despite having transferred points multiple times. 
I called Capital One support on XX/XX/XXXX and was informed it was a known problem, but there is no solution. I find this to be unacceptable due to the fact that Capital One advertises this service, but is unable to actually provide it. Now am unable to purchase the flight I want. 
It is upsetting that Capital One did not bother to inform customers that this is an issue.
Product: Checking or savings account

On XX/XX/XXXX someone hacked my checking account and reversed a large number of payments I had made to various companies At the same day I lost my ATM card and what they did was reverse the charges to put money into my account and then used my ATM card to withdraw the money for a total of over {$4200.00}. I contacted Chase immediately and told them what happened after my vet called to ask why I had put a stop payment on the charge I had placed in XXXX. I then realized the extent of the fraud. I immediately went into the bank and closed my account. The payments were not immediately returned to the people I paid but I then went into another Chase branch and the manager talked to the fraud department and the people who charges were reversed got paid by the money taken with my ATM which amounted to XXXX was not I then again called the fraud department and told them that my ATM card was missing the same day as the fraud and they reversed the XXXX  back into my account Yesterday I found that they reversed the XXXX  again and I was overdrawn by XXXX I went again into the bank and talked to the branch Manager who called the fraud department and the are saying I gave someone my debit card pin and I stole the money and I should go back to the places that the money was taken out to see if they have any videos and I should bring them to the bank to prove it wasnt me I am a senior citizen living on social security and Chase basically stole my entire check so I cant eat or pay my bills
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found addresses that I have never lived at or been associated with. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX is listed on my credit report and I have no affiliation with this address. I have requested that the address be removed from my XXXX, XXXX and Transunion credit reports to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX XXXX
Product: Checking or savings account

One of our checks was stolen from a payees mailbox and cashed. Bank of America ( BOA ) insist ed we close the accounts ( checking and savings ), which we did. The new accounts show the correct balance but payments are declined if we drawn on those accounts, my debit cards are declined and BOA has not been able to provide access to the funds we have in our accounts. We can not pay bills, or pay for goods with our debit cards. The fraud resolution process at BOA is so broken, it is worse that fraud. I believe that the only solution is for the government to impose regulatory oversight over the fraud resolution process. The level incompetence in the fraud department is staggering.
Product: Credit reporting or other personal consumer reports

I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges.

2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name.

3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt.

4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim.

I filed a previous claims with CFBP at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to TransUnion multiple times since XX/XX/XXXX. On XXXX XXXX and XXXX XXXX, XXXX, someone fraudulently applied for a credit card in my name through XXXX XXXX. I contacted XXXX XXXX and they contacted TransUnion and TransUnion sent me a letter on XX/XX/XXXX saying that XXXX XXXX had contacted them and they had removed the fraudulent inquiries from my account. I had also contacted TransUnion at the same time asking to have incorrect/fraudulent names and addresses removed. 

Last week I got a letter from TransUnion dated XX/XX/XXXX with a canned 2 sentences as the letter and an updated copy of my credit report SHOWING THE FRAUDULENT INQUIRIES FROM XXXX  XXXX. This report also still contains inaccurate names and addresses. 

After receiving this letter, the first thing I did was go to Annual Credit Report to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before ( and I absolutely can use it for XXXX and XXXX ), when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been removed and it hasnt, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. 

Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ 25/month. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I then created a new account. When you look at the information on the credit report obtained from this TransUnion website ( that I had to pay {$25.00} to see ), you will see that the names on this online report dont even match the names that were reported in the hard copy report they sent to me. There are incorrect names in both, but they dont even match. Also the online report does not contain the fraudulent address that is reported in the hard copy. Furthermore, the online report seems to be showing that the XXXX XXXX inquiries were removed. 

I have gotten to the point where I have absolutely no faith that TransUnion has any idea what they are doing. I have multiple reports from TransUnion that dont even match. I have a letter dated XX/XX/XXXX from TransUnion saying that they would remove fraudulent inquiries and then they sent me an updated credit report on XX/XX/XXXX with the fraudulent inquiries still on the report. None of their website tools even work.
Product: Debt collection

Today I received a credit alert stating a new collection account was added to my XXXX credit report. First of all I never received a debt verification letter from this company. Only from my credit monitoring I find out that this is for a cell phone that were returned and that these charges are fraudulent. 
This company never sent me anything regarding this fraudulent account. They are required BY LAW to send me a letter allowing me to dispute this and request verification. THIS WAS NEVER RECEIVED. this company does not abide by the FDCPA.
Product: Checking or savings account

On XX/XX/XXXX, I tried making my first XXXX withdraw requests from Citizens online bank totaling {$6000.00} split between XXXX of my savings accounts. These funds were to be deposited back to the same bank account where the money originated using XXXX, but they were almost immediately denied, and all my accounts became frozen. In the time since, I have called customer service numerous times and even spoken to their managers, but they have each given me no useful information nor a timeline of when my funds would be made available again. They would not even allow me to close my frozen accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This message is to Follow Up on Complaint ID : XXXX with USAA Savings Bank. 

I appreciate receiving a call from XXXX XXXX and XXXX XXXX regarding this ID Theft matter. I have explained the scenario to them verbally and they have agreed to remove the account XXXX for {$4100.00} from my XXXX credit report, as this is the only bureau still reporting this account. 

I reviewed my report and came to find out that they removed the incorrect USAA Savings Account from my XXXX report. The account XXXX was removed instead of XXXX ( the fraudulent account ). The account XXXX is my account and I have not disputed this account. This is legitimate. It's the account XXXX that was activated without my authorization. 

I have been attempting to contact XXXX at ( XXXX ) XXXX, left VM messages as well, however no response as of yet. I understand that it may be the holidays. If this is the not case, please fix my account as soon as possible so I can move forward from this. 

Thank you.
Product: Credit reporting or other personal consumer reports

This account was charged off on the XXXXSince then the date of last activity has been inconsistently updated on XXXX the date last active is XXXX it XX/XX/XXXX and on Experian its XX/XX/XXXX .If the information is coming from the original creditor the dates should be the same.We can't say these accounts are 100 % accurate so it is deemed INACCURATE Please delete this from my credit report. 
Account Name XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I mailed am American Dollar, corporate-check, endorsed with my signature on the back, valued and made out in the amount payable of : XXXX USD, to PayPal, Inc. 's XXXX XXXX XXXX mailing address. 
Days later, with sufficient mail-receive time, I looked at my account, online, to monitor deposit of money. But, the increase was not depicted. 
I logged in to mobile-wallet, via online URL of PayPal, Inc. , to ask the Bot and also via messaging system as I had hoped to, where the money was. 
I still do not have sufficient answer from them, and still do not have the money credited to my mobile-wallet US dollar , electronic-account.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been a issue ive addressed multiple times an no updates have been made. looking over my file ive noticed all issues are reported illegally an fraudulently to my credit report. please review an remove the listed items asap that are hindering my credit report asap.
Product: Vehicle loan or lease

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where, XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have submitted a claim to Bank of America regarding fraudulent charges made to my account from an ATM. Despite providing evidence, Bank of America denied the claim, alleging that someone I knew was responsible for withdrawing the funds. This suggests that Bank of America is aware that the ATM transactions were unauthorized. I became aware of these transactions due to discrepancies in my account balance. Following advice from a Bank of America XXXX XXXX representative, I meticulously reviewed my transactions after requesting a manual check of my balance for any system errors, which none of the customer service representatives were willing to do. I have an upcoming appointment with a banker at the branch to address this issue. However, I find the bank statements and app ledger challenging to decipher. Additionally, a concerning issue arises when using the ATM, as individuals nearby may be able to observe your PIN input, whether you are at the drive-thru or walk-up ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft PENNYMAC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit card

Requesting 1099c tax form from this debt of {$2600.00} from discoverbank
Product: Debt collection

Dear Associated Credit Services Inc., I hope this message finds you well. 

I am writing in response to the debt validation information you provided regarding accounts XXXX and XXXX. While I appreciate the information, I would like to formally request further verification of the debt as there are several aspects that require clarification. 

Specifically, I am seeking the following information : 1. A detailed explanation of the Membership Agreement with XXXX XXXX XXXX, specifically regarding the terms of the XXXX Flags theme park Membership Product ( XXXX ) I am purportedly purchasing. Please include any details about the scope of admission, limitations, and any associated fees. 

2. Confirmation of the total amount due, including a clear breakdown of the {$56.00} payment and any additional charges that may apply.

3. Documentation supporting the billing dates and scheduled settlements, along with any relevant transaction history for the accounts mentioned. 

4. Verification that the debt is valid and that all information provided is accurate and up to date, including proof of ownership of the debt. 

Your prompt assistance in providing this information is essential for me to understand the nature of this debt fully. Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Equifax credit report and has been going on for a week+. 
While attempting to lift a credit freeze ( which took over a week because attempts to do this via automated phone, web, and multiple agents failed ), it was discovered that Equifax credit report is missing 38 years worth of employment. 

The agent told me to login to Equifax and add my current employer because they could not do that. The agent said neither of us could add employers beyond my current employer. 

I gave up speaking with the agent and tried logging in at my.equifax.com to update my current employer. I can not log in to the website even though the password, etc. is correct. The site says " an unknown error has occurred ''. 

I tried calling Equifax again re : the website error - the phone system asked a lot of questions but eventually told me to have a nice day and hung up in me, referring me to equifax.com. 

When I went to equifax.com, it redirected me to my.equifax.com where I'm getting " an unknown error has occurred ''. 

I basically have no way of contacting Equifax at this point to fix the problem.
Product: Credit reporting

Experian never does a investigation properly. My accounts shout show {$0.00} balance in chapter XXXX. It reports I owe an amount even after it was disputed with XXXX. They have a XXXX account from a discharged chapter XXXX account in 2012 from which is still being reported as negative, when it should have been removed. I have XXXX pages from an investigation that was supposedly done and only XXXX accounts are shown. My energy bill was sent in where it shows I was not late on payments, but it 's shows that I was late on even more months then when it was first reported ... .The other credits have taken these accounts off or fixed the incorrect area that Experian is still reporting wrong. As the attachments show, Experian has XXXX accounts listed either updated or remains but only XXXX are shown
Product: Debt collection

On XX/XX/XXXX my XXXX XXXX XXXX mother noticed a withdrawal from her XXXX XXXX XXXX account in the amount of {$5600.00}. She immediately contacted XXXX XXXX XXXX and reported this transaction. They provided no information whatsoever. Told my mother she would have to contact their legal department. XXXX -- XXXX ext XXXX. She called and was told to contact XXXX and XXXX as this was a debt but still did not tell her the name of the person the debt was against. I stepped in and contacted XXXX XXXX XXXX who told me there was a default judgment in my name XXXX XXXX in the amount of {$2800.00}. This confused me even more because I was never served any court papers about this and it still doesn't explain why {$5600.00} was removed from an account in my XXXX 's name. I then went to the bank on XX/XX/XXXX and asked why nothing was sent to my mother or myself warning us about this judgment the XXXX XXXX told me that's not their job. I told her I just came from XXXX court and they informed me that XXXX XXXXXXXX XXXX was supposed to contact the account owners with information about the amount and any exempt funds in the account. I informed her that all funds are exempt because this is my mothers account that contains SS and XXXX direct deposit. Which XXXX failed to protect. I then asked for a print out of the last years transactions and a gentleman told me I have no history of transactions in my name and I also have no active bank card with XXXX. The XXXX XXXX told him not to print anything up because that's not their job. If it's supposedly my account and my debt why am I not allowed this crucial history? XX/XX/XXXX mid afternoon camera footage will prove this unprofessional interaction with XXXX. The gentleman that was assisting us was being trained by XXXX because he never dealt with the issue before. He was very pleasant, informative, helpful and very professional. I want to make that known. My mother and I then left the bank with no new information or assistance. I contacted XXXX and XXXX and told them about the exempt funds and upon further investigation I found I reported this fraudulent citibank credit card to XXXX in XXXX and asked for this to be closed and investigated. I also sent an email to XXXX and XXXX in XXXX denying this credit card. I recently sent them a screenshot of the credit card on my Credit report and the amount past due says {$700.00} and asked for a legal explanation as to why the garnished 8 times the alleged amount owed {$5600.00} from an account that has no activity fron me and strictly pension and ss direct deposit? I still have not received the money or an explanation. My mother is XXXX XXXX XXXX and has little income. XXXX is being held from her due to incompetent fraudulent actions. She is stressed about needing money in case of an emergency and has had to cancel a Florida vacation due to lack of funds and other planned outings. All parties involved have committed fraud. The bank sent papers about this judgment to my mom on XXXX after our XX/XX/XXXX bank visit when the funds were already removed. ( covering their butts ) XXXX court papers state the default judgment was awarded on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System is continuing to report a debt in collections that I paid on XX/XX/2024. I have stated several times in disputes file with the credit reporting agencies that this has been paid to the original creditor, and Jefferson Capital System is obviously NOT performing due diligence as they keep saying that it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XX/XX/XXXX new credit inquiry from CredcoXXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX ) XX/XX/XXXX - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, DE, XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} MO CHLD SPRT XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}