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

On XX/XX/2022 My husband and I received an email from our joint Capital One Bank, indicating that they are immediately closing our checking and savings account due to inconsistant activity, with no other explanations. They sent the email addressing it only to my husband, letting him know that he is allowed to open a new account, but his wife is not. 

Do you know how that makes me feel? Like I did something wrong? My husband and I have been married for over 30 years and we always had a joint checking account. I took care of all the bills, the kids and cooking and cleaning. The blindsided us with this because there was nothing wrong with our account. I am currently a XXXX XXXX, and my husband is a XXXX XXXXXXXX, who has a direct deposit every other Tuesday of {$1700.00} or more. by them closing our account they put a hardship on us, where we can't open another bank account anywhere. We have a capital one credit card that we set up with automatic payments that was rejected, and his direct deposit didn't go thru as well. now I can't pay my bills and we have no money because the deposit got sent back. 
There was nothing wrong with our account I want them to pay for this. They wuill not give me an explanation to why and they put something in our records that lets other banks know that we can't open an account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Bureau I am writing to formally dispute certain inaccuracies on my credit report that I obtained from your agency. My report contains the following erroneous information : [ Description of the item you are disputing, including account number, creditor name, and specific inaccuracies ] This information is incorrect because [ explain why the information is inaccuratee.g., it is not your account, it is outdated, etc. ].

I have enclosed copies of relevant documents to support my claim, including [ list any documents you are including, such as statements, payment confirmations, or identification ].

According to the Fair Credit Reporting Act, I request that you investigate this matter and remove or correct the inaccurate information on my credit report. Please confirm receipt of this letter and provide me with the results of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent a letter to Experian ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). Experian send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to Experian to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. Experian again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, XXXX XXXX ( XXXX. XX/XX/XXXX ). <P/>I believe that Experian should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemsXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 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 that a consumer reporting agency can not furmish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2024 we submitted a payment to Freedom Mortgage in the amount of {$2300.00} and it was deducted on XX/XX/2024. They deducted our payment twice on XX/XX/2024. As a result, we were charged a retry payment fee from our bank in the amount {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint on XX/XX/XXXX regarding this same XXXX XXXX XXXX account. Complaint ID XXXX, Yet the company respond that the account will be removed and it has not been removed since XXXX. 

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and Experian credit report : Account name : XXXX XXXX XXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( Experian ), XX/XX/XXXX ( XXXX ). I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 be 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00}
Product: Money transfer, virtual currency, or money service

I urgently require a Cheque book but PNC bank doesn't have any branch in California from which I can get a cheque book and they require 2 weeks to ship a chequebook.
Product: Money transfer, virtual currency, or money service

HI There, this is XXXX XXXX, I have a Coinbase Account and I had XXXX lite coins before my account was hacked on XX/XX/XXXX, and all my lite coins were converted into bitcoins and transferred to fraudsters account. I'm also attaching proof of my XXXX account was attacked around the same time period and over XXXX were stolen overnight, but XXXX did stopped all the wire transactions and restored my account and all my stocks were restores as before the attack took place. 

But Coinbase would not do the same they have refused to give my coins back, it was possible because Coinbase does not take extra measures to have an advanced security system to detect unauthorized activity such as login from different device and locations and on top of that they would not take the responsibility. It's their fault if my Coins get stolen and they are responsible for protecting it.
Product: Credit card or prepaid card

USAA STEALS MERCHANT CREDITS See attatched fraud claim investigation results letters of XX/XX/XXXX XXXX {$210.00} & XX/XX/XXXX XXXX XXXX {$120.00}. Both state THE CREDIT WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION HAVE BEEN REVERSED. Idid not report these as fraud. Both were returned to the retail store. See attatched statements of XXXX & XX/XX/XXXX THERE ARE NO USAA CREDITS TO REVERSE ONLY {$340.00} MERCHANTS CREDITS. 
See attatched Mastercard end XXXX DEBTOR NOT LIABLE XX/XX/XXXX THIS WAS NOT CLOSED. This became Mastercard end XXXX This became Visa end XXXX USAA CLAIMS I NEVER HAD THIS CARD end XXXX and I first used it XX/XX/XXXX when I opened it in XXXX.??? ( This card sat inactive for 4 years it would then appear?? ) note* the staement XX/XX/XXXX card end XXXX not XXXX??? USAA CLAIMS I OPENED THESE ACCOUNTS WITH ELECTRONIC SIGNATURE ** I PHYSICALLY AM UNABLE TO DO FOR 15 YEARS OR MORE I NEVER HAVE HAD ON LINE ACCESS. I request ORIGINAL SIGNATURES for Charges on all the accounts mentioned above I also demand USAA REFUND THE MERCHANTS CREDITS. I AM A VICTIM OF IDENINITY THEFT case XXXX Trying to Rebuild my destroyed credit reported by USAA.
Product: Student loan

I submitted my paperwork for IDR in XX/XX/2023. Nelnet has changed my payment 3 times after the review. I did make all payments until the XXXX payment where I received no written notice of change of payment, and I was not in a recertification time frame as I was approved in XX/XX/2023, and they increased my payment {$410.00} without notice. The paperwork I received indicated my payment would be ~ XXXX XXXXXXXX and I made several of those payments, and in XXXX they increased my payment to XXXX XXXX forcing me into a forbearance bc they illegally changed my payment without notice and I did not have the funds to pay the payment. 


I submitted a complaint to the XXXX website case id : XXXX on XX/XX/XXXX. On XX/XX/XXXX, they responded that its been sent to my servicer to address and will be contacted within 10 business days, and I have not received a response or update from Nelnet since. I have sent 2 follow ups to the XXXX complaint with no response. 

Nelnet does not communicate, respond, or provide the required documentation to legally update payments after they have already provided documentation for the payment amount. My request is to credit me back the forbearance time I was forced into, change me to a different servicer who abides by the law, and accurately run my IDR so that I can resume payments that have been accurately reviewed. I should be able to access documents, be provided accurate debt collection documents, accurate billing, and responses from a loan servicer and Nelnet is not upholding their servicing duties, forcing hardship on those actually repaying their loans.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX are all reporting inaccurate information on my credit report. I have disputed the information with all parties even XXXX XXXX and citi bank. XXXX is reporting My name incorrect on my XXXX report and address i never live at out of state. I demand it be removed. Its cause a great deal of problems! 

I have contacted all three bureaus and citi bank and XXXX  XXXX and they will not listen or accept my documentation from the government!
Product: Mortgage

I received an annual escrow disclosure statement from Mid America Mortgage company on XX/XX/2017 informing me that my escrow payment was going up {$200.00} a month due to a 473 % increase in my city taxes. This was not accurate and I have since been trying to request a new escrow analysis and updated payment. It has been over four months now that I have been requesting them to look into and resolve the issue, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with the 3 credit agencies removing inaccurate accounts from all 3 of my credit profiles. For example recently a collection just posted to my credit reports and I disputed it with them and Experian has completed the investigation in 2 days and deleted it off my profile but still having trouble with the other agencies. Then I had another account from XXXX XXXX XXXX that I paid off and actually entered a lawsuit and won monetary compensation but the account is still showing up on one of my credit reports even though it was removed off others
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - {$7700.00} XXXX XXXX XXXX - XXXX - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

This is my 4th time filing this complaint because AMEX refuses to provide the information requested IN DETAIL and keeps telling the CFPB that they've provided the information I requested and marks my new complaint as a " duplicate ''. Until the information requested is provided, this is NOT a duplicate complaint. 

The balance on my XXXX statement was {$5400.00} and I paid all but {$320.00} of the balance by the payment due date. AMEX says that as a result, {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 

I keep asking for the EXACT transactions used to come up with the {$4600.00} and AMEX refuses to answer that question. With the exact transactions used to come up with the {$4600.00} used to calculate the interest, I should be able to replicate the calculation and come up with the same daily accrued interest amount of {$100.00}. Moreover, they refuse to tell me why {$4600.00} of the charges were subject to interest fees when I only had a remaining balance of {$320.00} for 3 additional business days. 

I believe AMEX won't provide the requested list of transactions, because they do not know how the algorithm used to calculate monthly and trailing interest charges really works.
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The accounts are listed as XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$12000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$500.00}
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XXXXXX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX  system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXXXXXX