23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Around XXXX 2015 I added XXXX authorized user cards to my existing XXXX XXXX credit card accounts. These were not new accounts. They were only additional cards for accounts that already existed. A month later I discovered these XXXX additional cards are listed on my Equifax report as new accounts. I believe Equifax refers to them as " duplicate accounts. '' As a result the available revolving credit reported by Equifax exploded to {$67000.00}. I am seriously concerned that this, along with the fact that XXXX new accounts were added to my credit report, will significantly impact my ability to obtain future credit at favorable terms. 

I have filed a dispute will Equifax to correct this problem. I have called them and have been placed on hold for hours, but Equifax has not corrected their error. I am not sure that the telephone representatives I 've spoken with really understand the issue. It is extremely frustrating for me. 

I appreciate whatever help you can provide in order for me to correct the inaccurate information on my credit report.
Product: Credit card

Discover and XXXX XXXX XXXX offer XXXX percent interest card for 12 months on balance transfers. In the fine print with Discover they state there is a charge of XXXX percent each month on the remaining balance at end of month. I did not see that as it was buried in fine print. BofA doing something similar. I got a card from each and now have to make payments every month on both cards. It 's deceiving. Only option is to cancel the cards but hurts my credit score.
Product: Debt or credit management

I was locked up when this illegal account was setup I sent company information showing I was incarcerated when these accounts was setup
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFTS ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 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.

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

I went into XXXX XXXX on XX/XX/2022 to open an account and potentially begin financing a phone through their company, but in order to do that a soft inquiry credit check was required so I gave my consent to do so. Upon them completing the credit check they informed me that they were unable to open an account for me because on my credit report it was being reported that I was deceased but they couldn't give me anymore information on the report like who the report was from or even a simple print out stating the information they had received and then gave me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report managed by Transunion. On XX/XX/year>, I sent a request for verification letter to Transunion, which was received by their office. According to the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to investigate and resolve disputes within 30 days. As of today, XX/XX/year>, over 30 days have passed since Transunion received my dispute, and I have not received any response or resolution from them. Given this delay, all disputed items must be deleted from my consumer report immediately as per the FCRA regulations. I kindly request the CFPB to assist in ensuring Transunion complies with the legal requirements and rectifies this matter promptly. Please find attached copies of my original dispute letter and the receipt confirmation from Transunion. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

the following companies XXXX, Equifax, and, XXXX are currently reporting or furnishing information that's be claim as identity theft and since they are aware of this by their first and second investigation THEY ARE AWARE BECAUSE THEY WROTE ME SAYING THAT THE INQUIRES HAVE BEEN VERIFIED I ASK FOR THE METHOD OF VERIFICATION I GOT NO RESPONSE. the violation are but not limited to 15 u.s.code 1681 permissible purpose which states I have to give written or verbal consent which I DID NOT!!! 15 u.s.code 1681s-2 which states no furnishing company shall knowingly reporting inaccurate information and 15 u.s.code 1681c-2 which states know furnishing company shall not report or furnish information that the consumer deems as identity theft and until a resolution has be had they shall stop reporting it immediately .. XXXX Equifax and XXXX have knowledge that the inquiries listed below are not mine credco/loandepot XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. the inquiries ive listed below each credit agency are in violation of 1681 b permissionble purpose 15 XXXX XXXX, XXXX XXXX : this inquiries are unauthorize XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX equifax : these are unauthorize inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : these are unauthorize inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these i
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an address I an not affiliated with be removed and they did not comply
Product: Debt collection

Back in XXXX I received the phone call stating that I had a debt in collections for XXXX. I explained to the collections agency that I had multiple XXXX in XXXX. And that another collections called me for the same amount and paid it. And now I feel I'm getting scammed. They stated to call my insurance. I called my insurance they wouldn't give me info what they paid and what I had to pay. I had to create an account for a portfolio to see all the bills. On XX/XX/XXXX I called this collections agency back being I seen it hit my credit and effected my score. I had to leave a voice mail and I stated I'm just going to pay so my score does t go down. I did not receive a phone call back.
Product: Checking or savings account

Capital One closed my 360 checking account today stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. That is absolutely sneaky of them as I have barely any activities on the account that should prompt closure, I did n't even have any transactions in the past few months. This is an absolute switch and bait and is totally unethical for them to do that. My money market account was affected too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting an unpaid account in the amount of {$560.00} ( page 19 of the attached credit report ) partial account number XXXX. This account was sold to Consumer Portfolio Services for collection. I do not have XXXX and this account does not belong to me. This account is over 7 years old and the statute of limitations has expired. This incorrect reporting is harming my credit score.
Product: Credit card or prepaid card

I made a purchase online to a site that happen to look like a XXXX site I was charged for the XXXX but I never got any word from this transaction after I paid {$79.00} for what was supposed to be a electric scooter that I never got or saw my money back from since XX/XX/2023 I sent them emails and I tried requesting my refunds for the purchase I was never given I even contacted my bank and they haven't done a thing but have me waiting and they built up a case on this and its been 7 days with no solution
Product: Credit reporting or other personal consumer reports

My account with XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Citibank informing me that I was late on my payment ( it did not say which account ) but the balance was {$780.00} I immediately called them since our actual balance was {$5.00} on the only card we had with them. 
Initially, Citibank would not give me any information as to which card this email was referencing to or what were the charges made. 
After several calls to them, they gave me the last 4 numbers of the card in question ( XXXX ) and stated the card was opened on XX/XX/XXXX. I told them I never had a card with that number, and asked why this was the first time I was notified of this account through an email. I requested a copy of any statements they had, and asked again why I had never received any statements or correspondence on this card. 
Once I received the statements, I saw the card had just been used on XXXX XX/XX/XXXX at a local XXXX 's XXXX for the amount of {$600.00}. 
I obviously had not made that transaction, and told them so. On XXXX XX/XX/XXXX, Citibank put a freeze on the card in question, after discussing this with them once again, and they indicated their Fraud Department would begin an investigation. They also sent me an email advising me that the investigation was ongoing and no further action was needed on my part until the investigation was finished. Citibank has continued to send me weekly emails telling me I am late on my payment and until recently ( stopped at my request ) was receiving daily calls asking me to make a payment. I am still receiving emails telling me I am late on my payments and they have even added late charges to the original amount. 
On XX/XX/XXXX I received another email from Citibank telling me to check my XXXX Score and to see why it had changed. I opened their link to the XXXX score and saw that my score had gone from XXXX to XXXX. 
On one of their latest emails dated XXXX XX/XX/XXXX, the statement balance is now {$960.00}. 
On the most recent email dated XXXX XX/XX/XXXX, Citibank indicated that this account will be referred to a collection agency. 
We have been working with XXXX XXXX with XXXX XXXX XXXX, and have contacted Citibank on numerous occasions trying to resolve this issue but have gotten very little support from Citibank. After initially contacting them on XXXX XX/XX/XXXX, we were told that they would open an investigation, and they would notify us with their findings. It was months later in XXXX, when we contacted them once again, we were then notified that they had closed the investigation three days after the investigation had been initially opened ( XXXX XX/XX/XXXX ). We never received any official notification from Citibank about this investigation being closed, as we had been told.
Product: Credit reporting or other personal consumer reports

TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.
Product: Credit card or prepaid card

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. The fraud was made on XX/XX/2015.
Product: Credit card

They sent checks returning payments that I made, because the amount exceeded my balance. They were never received, and they can not provide me with any other information. The only correspondence offered, is to send letters to a po box and they said if someone fraudulently cashed the checks sent to the wrong address, that was my problem and there is nothing they will do
Product: Credit card or prepaid card

On XX/XX/2020 at around XXXX I booked a roundtrip flight to XXXX through Chase Ultimate Rewards. Chase 's app clearly stated that for this flight I had the option to cancel with no fees within 24 hours. This policy also applied with the airlines that I booked my flight with. The next morning I decided to cancel my flights and called in to Chase Ultimate Rewards to do so ( as instructed on their website and the airlines website ) at approximately XXXX and again at approximately XXXX. Both times I was on hold for over 50 minutes before their call system disconnected me. Later that night I called the general credit card customer service for Chase Sapphire Reserve and the representative informed me that the only way to cancel the flight was to contact Chase Ultimate Rewards. Each time I have called Chase Ultimate Rewards I have been on hold for around an hour before the call system disconnects my call. I have tried to contact them at least two times to cancel these flights on the following days : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and on XX/XX/2020. Each time I am left on hold for at least 50 minutes and then the call is disconnected. On XX/XX/2020 I reached out again to the general customer service number and spoke with two separate managers asking that they help connect me to someone who can cancel my flight that departs the next day. The last manager I spoke with told me there was nothing further she could do, refused to connect me with her manager, and then hung up on me after I had spent over 30 minutes on the phone trying to find someone to help me. My departing flight has now taken off without me being able to cancel it and I was not on the flight. I tried to cancel directly with the airlines but since Chase Ultimate Rewards booked the flight I was instructed that they would need to cancel the booking. The flights combined used up {$510.00} of my points.
Product: Credit reporting

I have contacted Equifax advising them of fraudulent accounts on my credit report for the last two months. They have screwed up my report twice by having my name spelled incorrectly. On XXXX XXXX I had a report where my accounts I disputed were removed then on XXXX XXXX all the accounts were added back on and even my name was spelled wrong again. They never sent me a notification within 5 days which is a violation that the accounts was going to be added back. I called and they told me I needed a police report with the accounts listed that was fraud. I filed police report with accounts on there that needed to be removed. I called spoke to XXXX and he was very rude not compassionate about someone stealing my idenity he stated i needed a police report with a officers signature. Which is incorrect because they do n't sign police reports. I have sent everytging to prove im me and they still will not block the fraud accounts which they added back to the account after it was already removed
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent this amount of money to a scam artist named XXXX XXXX. He banks with US Bank. My bank, XXXX XXXX, was unable to recover the funds because US Bank sided with their customer, XXXX XXXX, who is a XXXX. XXXX XXXX provided falsified documents, pictures, and receipts in order to get this money from me that was supposed to go towards a real estate fix and flip project. His business name is " XXXX XXXX XXXX XXXX ''. All checks and wire transfers were made directly to XXXX XXXX. 

This is his XXXX  : XXXX XXXX XXXXXXXX He recently had his accreditation revoked thanks to the complaints of multiple people he scammed.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, and the information listed below on my credit report is a direct result of that trafficking. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : Also known as : XXXX, XXXX, XXXX, Address History : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer History : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Act. # CLZP****** XXXX Opened XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Act. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX. I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.