23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Minimum payments were set up on my account for a long period of time. I have not used online services since XXXX therefore the over previous minimum payment was scheduled with a representative well over a year ago. The promotional APR ended on a balance transfer offer which resulted in a payment higher than the minimum ( well over prior minimum ) due. 

On XX/XX/XXXX I spoke with a representative whom removed a work number from my account as I havent had that number in over 5 years. At that time or before my preferred number XXXX was removed. Upon delinquency prior to negative credit reporting and credit line decrease to nearly the balance which also drops my credit score, Bank of America failed to notify me verbally of a past due amount.

The company sends emails with the payment and does not disclose the current payment is actually past due.

Upon speaking with a supervisor I confirmed there is no explanation of why a payment wasnt attempted to be collected on XX/XX/XXXX which would have prevented further late charges and negative credit reporting as well as credit line decrease. 

I am requesting this matter to be reviewed for more accurate ways of handling the verification of customers contact information and debt collection attempts to be completed at every time of speaking to a customer that is past due. As of the date I spoke with customer service and removed my work number while inquiring on balance transfer and promotional APR ending there was no discussion on my minimum payment that has been in effect not covering the new payment after the balance transfer promotional APR ended. 


Please research and review this complaint. I will be in contact with an attorney to seek restitution for this matter. 

As of XX/XX/XXXX my number was updated by a temporary employee to a do not call number without my consent which prevented the delinquent payment calls. 

My payment was made on XX/XX/XXXX prior to cutoff time and on XX/XX/XXXX my calls were incorrectly routed to customer service whom said I needed to speak to collections. The automated system continued to attempt to collect a payment in which was made over 24 hours prior. 

Please contact me at XXXX to discuss this matter in more detail. 

Contact information should be validated during each call or at minimum validated that it has not changed since prior calls AND representatives should be attempting to resolve delinquent payments on an account during any discussions with a customer. I am requesting resolution on this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My Equifax and XXXX are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them Transunion.
Product: Credit card or prepaid card

Experian charged my XXXX XXXX {$170.00} on XX/XX/XXXX for what they claim is a 'continuity subscription ' I have no idea what they are referring to. I visited Experian 's website & searched for an account in my name. I discussed the matter twice with XXXX. I used current & old email addressed & found nothing for me. I search my correspondence archives & found a XX/XX/XXXX letter to Experian notifying them that a fraudulent application for cell phone service had been made in my name, likely resulting from a data breach at Experian on XX/XX/XXXX. I advised XXXX of this history & the Bank reversed the charge in my favor. I anticipate that Experian will claim their charge to my credit card was a continuation of the then free Protect MY ID service they offered me when I complained about the fraudulent cell phone service application. However, Experian did not have a subscription account on their website for me AND I did not receive any updates or notices from Experian from XX/XX/XXXX through XX/XX/XXXX. Also note that I have a subscription to XXXX XXXX with XXXX which provides regular reports on my credit information. Every four months, I request a free credit report from one of the top credit reporting agencies. Experian is next on my list. Experian is in a position of trust & this unauthorized charge is a breach of that trust.
Product: Mortgage

Wells Fargo is stating that the Private Mortgage Insurance for my home can not be removed due to the current length of the mortgage and that there hasn't been any significant improvements. The steps for removing PMI have been taken through the bank 's recommended broker. The broker came and inspected the home with a value of {$500000.00}. This evaluation has put the equity value over 20 % compared to what's owed. The bank has claimed the PMI can not be removed because the mortgage term hasn't reached XXXX years of payments. This requirement isn't disclosed clearly in their documentation and doesn't appear legal according to the XXXX.
Product: Checking or savings account

Based on US Bank 's response to complaint XXXX and the refusal to issue opening bonus to my checking account, I would like to close my banking relationship with US Bank . However, there seems to be no way to initiate account closure online or at least I could not find a way. Please close my checking account and both my US Bank credit cards. Thank you.
Product: Checking or savings account

I was contacted by Bank of America on XX/XX/2023 notifying me that my check was altered and fraud. I confirmed with Bank of America that day. This was a rent check that was supposed to be for my landlord through XXXX XXXX.I wrote this check on XXXX XXXX 2023 for XXXX. I processed the paperwork through XXXX and got the Affidavit of the altered check notarized on XXXX XXXX 2023. All claim documents were recieved by XXXX on XX/XX/2023. Bank of America has not been providing any communication to myself or XXXX when it comes to the funds needing to be transferred. This is an extremely important check as it was for my rent.I have reached out to both XXXX and Bank of America in which XXXX is reporting that they have been reaching out to BOA every 2 weeks to confirm that this amount can sent back into my account. This is coming up on 4 months on no updated information.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion 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 or other personal consumer reports

I review my credit report which I believe is fraudulent accounts on my credit report. Please remove these accounts on my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$300.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I have American express lowes pros credit card, I used it for online purchase of XXXX and based on past activity i have accumulated around XXXX points. I use the points to pay of the balance sometimes when its small and this time the system wasn't allowing me to pay it with points leading to confusion and delays. Due to the delays I ended up paying the charge of XXXX XXXX day after the due date and they have charged me an exorbitant {$31.00} as late fee. 

When I chatted with customer care they now tell me that I can't pay with points ( I have screenshot of the chat ), which was never communicated to me and are refusing to waive the fee. Now the system graciously allows me to pay the late fee {$31.00} with my points, which indicates its a glitch on their end. 

Please help me to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

nissan is reporting an account 30 days late on my report when i dont have the car in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out validation letters and disputed two collections on my credit report in XXXX. The TWO collections are with a company called XXXX XXXX XXXX. I received a copy of a lease from the company. At the top of the lease the names are XXXX XXXX and XXXX XXXX. No where on the lease is my name. I contacted the company and they said it was an error but the debt was intended for me. I'm sorry, but that's not VALIDATION. I requested the company delete and they said no. I informed transunion and they have yet to delete these from my credit report dispute the collections agencies lack of validation proof. I'm attching the lease to this complaint as proof that it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX REAGING I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/2025 to the Federal Trade Commission and Attorney General. 

Truly, XXXX XXXX
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 XXXX XXXXXXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681. 
I DEMAND THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT THE INFORMATION LAST PAYMENT DATE IS DIFFERENT ON EACH CREDIT REPORT ( EQUIFAX ) ( XXXX ) ( XXXX ) BY LAW ALL INFORMATION HAS TO BE 100 % ACCURATE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have landed into the hands of the wrong person.
Product: Credit card or prepaid card

I received a text message from Capital One at XXXX in the morning of XX/XX/2023 alerting me to a charge they thought was a fraud charge on my card, they asked if I had just tried to make a purchase on my card at XXXX in the amount of {$1300.00} and asked me to reply Yes or No to protect my account. When I woke up at XXXX I immediately replied with No, I received a reply that we will take care of this right now and I then proceeded to call the number on my card and report the fraud and cancel my card. I was told I am not responsible for fraud charges and not to worry and the charge was removed from my account. Today XX/XX/2023, I received two online letters from Capital One which I have uploaded to this complaint. I immediately called the number on the letter and was told that I was responsible for the charges and there was nothing they can do, it is the law. They said the person who ordered the laptop gave my name and address and they picked up this order later in the day and gave ID that verified it was me. 
for this reason, they held me responsible for the purchase. I said I am not surprised the person had my name and address and obviously a fake ID, as they already had stolen my card information so it was not a surprise, they had this other information and how could they make this judgment based on this information. I said I was discussed with their decision, and I was told there is nothing they can do, and I will be responsible for this charge. I made the point that last year I spent {$480000.00} on this card and this is the way I am treated. 
I honestly believed that the consumer had 0 responsibility in a fraud case and the fact that Capital one initially alerted me to this fraud how can I be responsible. I contacted them immediately I woke up and read their text and cancelled the card and now they are holding me responsible Soley because the person who collected the order had an ID. This must happen all this time in fraud cases. I want to appeal this situation but was told there is nothing they can do. I am absolutely discussed with this decision and do not know what recourse to take. I refuse to pay for this charge that is not mine and fraudulent. I do not know what else I could have done to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union 2 hard inquiries for an auto loan that I never consent too
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX  acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX  Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

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

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. 

I would like to be provided proof I consent to the following inquiries ; if you have no proof immediately of the following inquiries, I would like it removed immediately. 

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

For the past 3 years, i have not been able to access my credit report from Experian despite numerous attempts both online and through their help line on the phone. I can not create a new account, access the account i created previously, or change the password. Each time, i get a generic error that does not explain the issue and calling Experian just results in them telling me they can not access my account. 

I not only don't know what is in my credit report, but i have no way to fix it. I don't know if there are errors or how to fix it. 

I have tried to access the report from Experian through the government sponsored website for yearly reports, directly from Experian website, and through ob the phone. 

I want to know what can be done to make Experian compliant with the law.
Product: Vehicle loan or lease

According 15 usc 1692g ( b ), I am demanding that credit acceptance corporation verify this debt. I spoke to the XXXX XXXX XXXX XXXX XXXX  that is handling this debt but it's very limited to what they provide me with. According to above law, I want to see proof of ORIGINAL AND CURRENT OWNERSHIP TO THIS DEBT SIGNED AND VERIFIED BY A NOTARY AS SOON AS POSSIBLE. I AM ALSO REQUESTING A NOTARIZED LEDGER CARD. I WANT ORIGINAL DOCUMENTS BEARING MY WET SIGNATURE. I WANT STATEMENTS ACCOUNTS FROM THE BEGINNING.
Product: Debt collection

After receiving a credit alert I noticed that IC Systems Inc reported a fraudulent account on my credit report, I have had this account verified numerous of times of being fraudulent and it still gets reported to my credit from new collection agencies. I have never received any communication about this debt only IC Systems Inc sent this fraudulent debt that doesnt belong to me directly to credit bureau .
Product: Credit card or prepaid card

I am SIMPLY trying to make a XXXX XXXX payment. I 've called XXXX. You go through all this mess that no person has time to listen to but since I owe XXXX XXXX, I put up with this ridiculous voice prompts. And why? Because XXXX XXXX website REFUSES to recognize my online password and they still have not sent me a password reset. ( Even though I CLEARLY KNOW MY PASSWORD, I 'm staring right at it ) But alas, not even their customer services is open!! Today is XXXX XXXX, XXXX. Is today a holiday? Is it Sunday? No, it 's a business day but yet XXXX XXXX  customer service is not available to accomplish making a simple payment. Why is that?? So customers can be LATE and then we owe a late fee too? What happens to the XXXX person that can not go to a XXXX XXXX store and make a payment?? I am curious as to how many customers XXXX is doing this XXXX to?? XXXX I WILL CLOSE MY ACCOUNT as soon as I contact you. Please address CFPB.