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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to report the fraudulent items and activities that I have discovered on my Credit File. Enclosed, please find the necessary documents to assist in the blocking of the fraudulent information that is being reported on my credit report. The following accounts are in no way associated with me. I have neither received any money, goods, nor services as a result of fraud, nor have I authorized these accounts. I urgently request that they be promptly disassociated from any affiliation with me. Please find below the list of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. I want to assure the Credit Reporting Agencies that I did not open the mentioned accounts or authorize anyone else to do so on my behalf. I strongly believe that this is a clear case of fraud, and I am taking steps to report this matter to the appropriate authorities. It is crucial that the fraudulent accounts are thoroughly investigated and removed from any association with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute   XXXX    XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Credit card

On XX/XX/year>, Kohl 's closed my credit card account without any prior notification, which I only discovered on XX/XX/year>, through XXXX XXXX. Despite this, their website still allows me to log in and view my account, with no indication that it is inactive. I then contacted customer service, the representative initially stated that my account was closed due to missed payments, despite the fact that I had no balance. After I pointed this out, she retracted her statement and attributed the closure to inactivity. I then requested to speak with her supervisor, which took approximately 10 minutes. When connected, the supervisor claimed she couldnt hear me, despite clearly pausing when I spoke and not disconnecting the call. The representatives repeatedly suggested I reapply for a new card. I believe my account was closed unethically and that this decision was driven by their focus on acquiring new business. This action has had a negative impact on my credit score, and I feel discriminated against.
Product: Credit reporting or other personal consumer reports

I attempted to contact these companies on two different occasions via mail and once over the phone to receive documents showing the account in question with signatures of all parties involved to validate the accounts and debts. I never received such documents or any type of follow ups from the companies. The accounts in question are XXXX XXXX XXXX XXXX  account number ending in XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX/DEPT OF ED account number ending in XXXX XXXXDEPT OF ED account number ending in XXXX XXXXXXXX XXXX account number XXXX in XXXX XXXXXXXX XXXX  XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXX XXXXXXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXX These are all the accounts I have individually inquired about and got as much information on. Again, I did request information on all these accounts via the mail TWICE and once over the phone and got no documents with signatures from all parties involved or heard any response to my inquiries. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


PleAW Hvw these accounts deleted off of my credit report.
Product: Credit reporting or other personal consumer reports

I have had these super old accounts with school loans that have been paid off for XXXX years. They are reporting old outdated information that is very incorrect, and they need to be fixed.
Product: Credit reporting or other personal consumer reports

I requested if any insurance file on this debit My original signature. I want proof of chain of title to collect on this debt. They never sent me the information and they still remain on my XXXX and XXXX XXXX please help me validate this company refuses to respect my request so Im coming to you guys for help.
Product: Debt collection

Experian and XXXX are reporting a medical collection on my credit report. This a direct violation of my privacy and a direct violation of the Fair Credit Reporting Act. I sent a debt validation letter a few months ago. I have not received a response. It has been past 45 days. This is also a direct violation of the Fair Credit Reporting Act. Please remove account immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion regarding their failure to conduct a full investigation into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I have repeatedly disputed as fraudulent. Despite sending several letters to Transunion, providing evidence that I have no connection to this account, and requesting a thorough investigation, Transunion has only responded with automated letters stating that the account was verified. At no point have they provided any meaningful details or evidence of an actual investigation into my dispute. I suspect this fraudulent account is a result of my information being exposed during the XXXX data breach, in which I was a victim. Transunion failure to take my concerns seriously and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused me significant distress. I request your assistance in ensuring that Transunion conducts a proper investigation and removes this fraudulent account from my credit report promptly. Thank you for your attention to this matter. I look forward to your response.
Product: Vehicle loan or lease

I believe my denial is personal with Truist Bank or am being penalized for being an excellent payor. I had an auto loan with Truist in which I paid in full in XXXX. However, I could not reloan with Truist to purchase another auto with XXXX credit score and IDR {$0.00} payment student loans. Fast forward today, XX/XX/XXXX, Truist has a problem with " XXXX '' ( my record states XXXX ) credit score and student loans being forgiven. States due to {$1000.00} mortgage and student loans XXXX is 88 %. I have documentation stating student loans have been forgiven due to XXXX v. XXXX in which I provided the loan XXXX -- both are in process mode. Underwriter countered and stated credit report needs to show XXXX balance for forgiven loans and did a " song and dance '' on the XXXX in which loan was unlawfully denied. In other words, the underwriter noted the federal government 's notice that student loans have been forgiven is a misnomer and that the only legal notice is a XXXX balance on credit report which can take months to effectuate. For reference the new purchase is {$29000.00} with {$26000.00} being given as a trade-in and only {$32000.00} left on the present loan with my credit union XXXX Also, not sure future COLAS were taken into consideration. Interest rates matter in this financial climate.
Product: Credit card or prepaid card

Notified Chase on XX/XX/XXXX that there were XXXX fraudulent charges on my XXXX Credit card from XXXX for a total amount of {$3800.00}. Chase 's immediate reaction was to cancel my card and send a replacement. In addition, the reversed all of the charges until such time as they investigate. I explained to them that I have been doing business for a number of years and that there is a step-by-step process before any money is exchanged with the Seller through XXXX. The first step is to send your requirement to the Seller to see if they can do what you want done ; once they validate that they can do it you negotiate the price ; once the price is agreed ; they email an order ; once you approved the order and officially supply what you want done they start working on the project ; XXXX emails a copy of the invoice for my records ; once the job completed is completed, the Seller sends me a copy for review, approval or changes ; once all of the changes are approved, the Seller the product for final review and approval ; I have 3 days to agree before the project is complete. The final step is I actually receive a product to show for my purchase. Currently, I have nothing to show for any of these fraudulent purchases and I explained all of this to Chase. Chase said that XXXX sent them my XXXX  address for my XXXX XXXX, the XXXX address for my XXXX ; my email address use for the account that I set to do business with XXXX and my credit card number, which is required to do business with XXXX. Chase reversed all of my charges base on this XXXX address information for charges and activity made in XXXX, XXXX, & XXXX. XXXX did not supply the invoice, or specifics pertaining to the XXXX fraudulent charges on my credit card for the specific date and amount for the transactions. I spoke to Chase 's Fraudulent Department and I also sent and email to the CEO of Chase and it all fell on death ears. They told me there was nothing else they could do and that I had to get it resolved through XXXX. I informed them that XXXX was totally non-responsive and they kept transferring me from on Customer Service Representative. I even asked XXXX to reinstate my account which they closed because I could validate my records through my account and this never happened. It was obvious to me that XXXX had no incentive because Chase had given all of the leverage that had away by allowing them to keep {$3800.00} of charges/ my money and I am paying for something that I did not authorized and I have nothing to show for it. Please help because I have exhausted all of my efforts.
Product: Credit card or prepaid card

Incurred {$27.00} late fee on XXXX XXXX account and explained to a representative, by phone on XX/XX/2019, that it was due to a major illness in the household. Requested reversal due to special circumstances and was told that it was not possible because a prior reversal had been done of last year. Requested if automatic payments were available which would help me avoid late payments and was told that option is not available for this account. The {$27.00} late fee is exorbitant and impacts those least able to afford it. 

Experience with XXXX has definitely not been a consumer-friendly one. After losing my home last year my credit score was lowered because XXXX lowered my credit limit even though I was current with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/, XXXX XX/XX/, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank You!
Product: Credit card or prepaid card

I signed up for the Bank of America XXXX XXXX XXXX card ( upgrade ) in XX/XX/XXXX and was told that I have 90 days to spend {$1000.00} to get a {$200.00} cash rewards. However, I have not received the {$200.00} despite spending over {$1000.00} during the first 90 days. 

The reward period is supposed to be XX/XX/XXXX to XX/XX/XXXX but Bank of America 's computer system insists that it ended on XX/XX/XXXX instead ( 78 days ). 

The multiple Bank of America agents I talked to on the phone confirmed that I have spent over {$1000.00} by XX/XX/XXXX [ see attachments ], but under {$1000.00} by XX/XX/XXXX ( the incorrect end date ). They agreed that the date range is incorrect and I should receive the {$200.00}. 

However, the reports that they filed for me resulted in two exact same letters from Bank of America [ see attachment ], stating that the period is from XX/XX/XXXX to XX/XX/XXXX so I am not qualified for the {$200.00} XXXX  XXXX. 

With a fear in my mind that these things would happen, I actually called on XX/XX/XXXX and the agent confirmed with me that I have spent over {$1000.00} and will be receiving the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX  XXXX over 30 days ago .I informed XXXX  XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX & XXXX  ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/ I discovered that I am victim of various financial fraud. All of my personal bank accounts were compromised. I contacted Chase back as soon as I could positively identify which transactions were fraudulently induced. They issued me a temporary credit on XX/XX/XXXX which was later removed from my account on XX/XX/XXXX. There were other bank transactions that was fraudulently induced as well that Chase bank decided not to return to me ( please see attached ).
Product: Credit card

I sent citi a letter XX/XX/year>XXXX  instructing them to close this account and credit the {$99.00} yearly fee due to XXXX XXXX making cuts to the benefits on this account. They cashed my check but have not credited the {$99.00} yearly fee. I spent 2 hours moving all my auto payments to different accounts and Citi is still showing this account open with a {$99.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from GUARANTEED RATE INC via XXXX XXXX is still in my XXXX credit report. I was informed in the attached letter from Guaranteed Rate, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Product: Credit card

I'M CURRENTLY XXXX AND A VICTIM OF IDENTITY THEFT CAPITAL ONE ACCOUNTS ENDING IN XXXX, XXXX, XXXX AND SPARK BUSINESS ENDING IN XXXX WAS FRAUDULENTLY ESTABLISHED UTILIZING MY PERSONAL INFORMATION. CAPITAL ONE ALSO TOOK MONEY FROM MY CHECKING ACCOUNTS WITHOUT MY CONSENT FOR THESE FRAUDULENTLY OBTAINED ACCOUNTS I DID NOT ENTER INTO ANY AGREEMENT WITH CAPITAL ONE, PROCESS ANY APPLICATION FOR A LOAN NOR DID I AUTHORIZE OR GIVE CONSENT FOR ANYONE ELSE TO DO SO. I WANT ALL THE MONEY FRAUDULENTLY TAKEN REIMBURED, THE CAPITAL ONE ACCOUNTS REMOVED FROM MY CREDIT REPORT AND ANY NEGATIVE INFORMATION REMOVED FROM CAPITAL ONE 'S SYSTEMS COMPLETELY. 

I CAN BE CONTACTED AT : XXXX XXXX XXXX XXXX XXXX PRIVILEGED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX
Product: Credit card or prepaid card

XX/XX/2021 Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern I previously held two credit cards backed by your organization ending in XXXX and XXXX. Apparently there were prescheduled payments on file that were returned to you as the result or large authorizations while providing in light of care for father. 

I was advised to provided a copy of the obituary to have account restrictions removed and accounts reinstated. The sadness of it all is that this still to this day has not happened. I never miss a payment one of the two accounts is within {$50.00} of completely being paid off and the other is always paid early. Do you know gut wrenching it is to see customers that run up large balances and charge off with you get approved months/years later but I pay on time and early incurred confusion as a result of something I was not even made aware of and I am blacklisted?? 

As an added measure of sadness I have provided obituary for proof as well. Please do the right thing lift the restrictions and reopen. I have been a model customer prior to and ever since. Multiple supervisors stated there should not even be a restriction here but yet here we are. 

I loved Capital One during my time this is so disheartening. 



Sincerely yours,