23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Actions : Wrongfully received Hard Inquiry on Credit from Bank of America saying Credit card is opened on XX/XX/2024 but I don't have any BoFA credit card in reality. Also tried to dispute with XXXX but the dispute report still says that it " Remains '' open. Tried contacting and talking to BoFA bank but they can not find any account with my name/ssn and hence not trying to help. It is a wrong information on my account and it's pulling my credit down. 

Companies involved : - Bank of America ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX Dates : - Credit card opened on XX/XX/2024 Amount : - Credit card has limit of {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/19 I submitted a dispute to Experian online for a method of verification for the Bankruptcy Chapter XXXX information that Experian is reporting on my credit report. On XX/XX/2019 well passed my 15 days allowed to provide method of verification, Experian sent me a response online and I quote " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing for your dispute. Please review your report for the details. '' Then in the Important Messages section it states that " If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through third party vendor XXXX XXXX XXXX XXXX XXXX '' Now this information can not be obtained from XXXX due to the fact an amendment was passed to prevent reporting public information that can not be verified and I provided a copy of a section. " The Judicial Conference recently approved proposed amendments to the Federal Rules of Bankruptcy Procedure and the Official Bankruptcy Forms which will implement the Conference Policy on privacy and public access to electronic case files. These amendments will take effect on XX/XX/XXXX. '' Please Help! I have a copy of Experian response if needed. Now, I notice word games used therefore may have used XXXX was stated but it went on to give XXXX contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XX/XX/2017 Balance : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach exposed my personal information which I never authorized Equifax to possess and will cause me unrequested hardships in the future as I will need to be cognizant of potential misuse of my information for tens of years into the future.
Product: Student loan

My account was placed under administrative forbearance on XX/XX/2023, i called on XX/XX/2023 to request information about what why this occurred, I was on hold for XXXX hours. I was told that if I made the scheduled payment that it would not effect my PSLF progress. I also asked to speak to an account manager. They told me that the forbearance was a mistake on the account and would be removed after several days. It has not yet been removed. I made the payment on the originally scheduled due date for the originally billed amount. The payment has gone through, but not the month of XXXX is being flagged as ineligible for PSLF because the account was in forbearance. 

To summarize. 
1 ) i requested forbearance to be removed, it has not and the account is still in forbearance 2 ) i made the scheduled month payment on time as was calculated under the SAVE program 3 ) I was told that this would count towards PSLF, but my account shows that the payment is being marked as ineligible.
Product: Debt collection

I have gotten several calls from someone representing themselves as PRG. They claim that I wrote bad checks for a payday loan I did not take out and then claim that I never attempted to pay a company back, and threaten to serve me with papers if I do not pay them. They refuse to give me any information on this supposed debt or send me anything in writing, they just ask to conform my social security number and banking information.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

was a part of the XXXX XXXX XXXX and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/year>, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/year>, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below is the incorrect account that must be deleted immediately : CREDIT CORP SOLUTIONS
Product: Credit card or prepaid card

On XX/XX/2022 I was notified via email correspondence from XXXX of two separate flagged orders. The Curbside Pickup orders had been automatically canceled by XXXX. I contacted XXXX customer service, XXXX local store and secured my account. 

Due to multiple pending {$1.00} XXXX mobile gas charges from the same area, I waited to contact capital one Fruad until XX/XX/2022. 

On XX/XX/2022 around XXXX am XXXX. I contacted Capital One to open a Fruad case on two transactions of {$190.00} each from XXXX XXXX XXXX  # XXXX. I explained the XXXXXXXX XXXX subscription of {$12.00} is being refunded as it posted. 

I received an email confirming opening the XXXX case with capital one with the XXXX above mentioned charges. Subsequently the email came quiet fast after talking with the agent. 

On Wednesday XX/XX/2022 I noticed the two charges of {$190.00} are still pending, yet the {$12.00} charge refund had posted. Over the next two days from XXXX I called capital one an was given various information. 

The charge should fall off tonight after midnight agent on XX/XX/2022. 

I have checked with the back office and its fallen off, your account should be corrected by tomorrow call back if its not Sr. Account advisor XX/XX/2022. 

Today XX/XX/2022 I attempted to make a purchase and was unsuccessful. I checked my account via the capital one app and website ( Screenshots attached ) to find the issue still not resolved. 

On XX/XX/2022 @ XXXX pm EST I contacted capital one and spoke to a Sr. account manager in Fruad. In short she stated that due to the charges being flagged as Fruad, the case was still open. Thus my account still had no provisional or permanent credit. I responded by asking her since the charges had fallen off both of {$190.00} and the Fruad case on the {$12.00} had been closed, exactly how is this the case? 

I referenced 12 CFR Part 1026 ( Regulation Z ) if myself nor the company ( Capital One ) has occurred any damages or loss since the two pending authorizations fell off for processing, how is my account still held up. 

She stated she is the highest escalation, she would submit a formal complaint. The formal complaint might reach out and she could not give any legal dept info or ref to complaint or XXXX. 

In closing I have not used my capital one card since my last payment of {$300.00} posted XX/XX/2022. 

My balance due should be XXXX, my available credit should be {$300.00} and my points should be XXXX equaling {$15.00} back in my rewards bucket as requested on Wednesday XX/XX/2022. 

Capital one is illegally withholding my availability of credit, violating regulation Z with regard to fraudulent charges and process, and processing times. They are also not forthcoming or transparent on the rights of consumer and how to handle escalations if the situation requires higher attention. 

Regards, XXXX XXXX
Product: Debt collection

This complaint is in reference to Commonwealth Financial.
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I have previously subumitted a complaint to CFPB about this company a month ago. It should be documented.
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I have received notice from CFPB that Commonwealth Financial has responded to the complaint by stating that they would remove all accounts on all 3 bureaus. This has not happened.
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I am requesting that Commonwealth Financial remove all collections from all 3 bureaus immediately. <P/>I do not have a signed contract with this company nor have they sent me anything that I have signed with them even after they responded to my previous complaing with CFPB. And having them report on my credit reports is hurting me.
Product: Credit card

On XXXX XXXX, 2016 a payoff check was overnighted to the express payment department of Macy 's. On XXXX XXXX the check was cashed but my account has yet to reflect my payment. I faxed proof of the check ( 6 times ) and it was n't acknowledged until XXXX XXXX. I contacted Macy 's by phone at least 4 times a week for a resolution. Each time I had to tell my story over and over again. I was put on hold so many times for over 40 minutes only to be hung up on. I 've asked to speak to a supervisor but am given the run around each time. Last week they acknowledged my payment, but said it could take up to 2-3 billing cycles for my account to update. I 've been beyond patient and have done everything they have requested. Now I 'm being bombarded with collection calls, even after I tell them each time to read the notes and they assure me I 've been taken off of the auto calls. I do n't understand how an express payment is n't processed in a timely manner. Now it 's reflecting on my credit report that I 'm late with my payments, I 've paid on time each month. Macy 's assured me they would fix the credit reporting but I foresee another slew of phone calls and dead ends to fix the problem. Basically that could be a total of 5-6 months of waiting. I 'm in the process of purchasing my first home and this hindering me from applying for a loan. Macy 's needs to learn from this and understand the XXXX toll it takes on their customers. Hopefully this could be a learning experience for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for years to fix this issue with equifax. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my equifax account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses. 
I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.
Product: Consumer Loan

Bought a vecle from XXXX XXXX. They arranged financing with Ford Credit. Throughout the terms I was contacting the dealer and the finance company. Concerning the conditions of the car they sold to me. Payments were made and some missed. Ford Credit threatened to repossess the car. As an option I went to several of the local dealerships. None would approve a trade except XXXX. Who accepted the car and under appraised it 's value. The stuck me with the their car. There 's a complaint on file against XXXX XXXX as well. A review of my credit report shows Ford Credit charged the car off. That 's a lie. XXXX took the car and did n't report the trade for two months. As a part of this Ford Credit is liable for a Privacy Violation. Of which I am trying to find an attorney to take my case. It involves Ford Credit XXXX XXXX and XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX and so on.
Product: Debt collection

I received a letter in XX/XX/XXXX stating I owed money as a co-signer on an apartment in Florida. I called them and said it was not me. I received another letter XX/XX/XXXX stating I need to pay this debt, and the collection process has escalated. I never co-signed for any apartment. They have not send me any documents showing how I am connected to this. My name was used fraudulently and now they are trying to collect from me.
Product: Money transfer, virtual currency, or money service

PNC won't let me link my account to an investment platform
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX  XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX card in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on XXXX account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX XXXX. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my Capital one The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX XXXX  account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report XXXX to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when Im sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called XXXX again according to records trying to get access to my XXXX account again. 
XXXX XXXX XXXX XXXX. hes attempting to get into a XXXX account. This has been going on since XXXX of XXXX. There is more attempts that are not listed here. 
XX/XX/XXXX, Capital One calls to tell me that he has tried to open a XXXX capital one card in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive beeXXXX XXXX XXXX XXXX  ever since this has been happening. Included in this lawsuit is for XXXX XXXX
Product: Credit card or prepaid card

I noticed that a charge that was authorized XXXX XX/XX/2022 was not posted paid until XXXX XX/XX/2022. I prepaid for my services with XXXX XXXX on this card with the intention of paying off a car repair I was going to make. I checked my account daily and noticed that my payment would not post. Navy Federal 's policy is to pay two to five business days after it is posted. It was posted on XXXX XX/XX/2022, so it should have posted within that week, but it did not. I was told by a representative that different merchants have different policies on when they are going to post the payments. I was told sometimes it takes up to 15 business days for them to authorize it. My payments are always automatically authorized. No payment I make is delayed. I've made purchases even bigger than this and they were authorized and posted within three days.
Product: Credit reporting or other personal consumer reports

This is a continuation of complaints XXXX, XXXX in which they keep stating they cant identity me. This failure to comply with the law, and continue with the same tactics is failure to comply
Product: Credit reporting 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 items. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00}
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached please find a letter I received from a collection agency on XXXX The letter states : We have also deleted this collection item from your credit report. Clearly the agency failed to do so, as the collection record shows on my credit report as XXXX The item in question is : XXXXXXXX XXXX XXXX XXXX XXXX Please remove this item from my credit history immediately as the creditor and I both have requested. 

Thank you for your time, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXX made two deposits to my XXXX debit card account with Wachovia bank in XXXX, XXXX  : Here is the settlement reference number : XXXX & XXXX. The deposits were for {$1300.00} and {$570.00}. XXXX has never credited these deposits and so called Customer Suport has stonewalled finding them. They just tell me to use their chat function but it always times out before a " live agent '' responds.
Product: Debt collection

So my debt was transferred from XXXX to pallino asset management. At that time back in XXXX I worked out a deal with them to pay the debt. {$890.00} was owed and I paid some thing like XXXX. The debt was cleared and everything was fine. Almost 2 years later in XX/XX/XXXX I received a letter from Paramount recovery systems saying I owe {$890.00}, the same amount that XXXX XXXX XXXX said I owed. When I contacted Paramount recovery systems they said I needed proof from XXXX XXXX XXXX that the debt was paid if I were to have it removed from XXXX XXXX because they said XXXX transferred it over to them. No matter what time of day what day of week or anything I called, I wait on hold and then it goes to voicemail. No one answers ever but it also says they are open. No one calls you back, nothing. If you XXXX them, every review on there also says they are always closed. How am I supposed to get record of my payment if you cant get anyone on the phone ever? Its absolutely absurd that the CFPB would allow a company like this be in business if consumers issues are not addressed. This has caused damage to my credit.
Product: Debt collection

XXXX XXXX {$340.00} no action took place canceled my service with this company to get with a better company now they stating I owe this amount didn't realize it at all now it's on my credit and I can't afford to pay it