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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX Balance : {$260.00}
Product: Credit card or prepaid card

XX/XX/XXXX - We sent a fax to close a secured XXXX credit card account with XXXX XXXX. Verified fax was received. Requested a refund of {$500.00}, the secure holding. 

XX/XX/XXXX - XXXX XXXX authorized to release fund, according bank representive. 

XX/XX/XXXX - Spoke to representative at XXXX, who stated funds were authorized to be released, but could not give me a date as to when. 

XX/XX/XXXX - Spoke with a supervisor at XXXX XXXX, who sent out an in-house email to find out when funds will released. She said to call back Friday XX/XX/XXXX to get an update. 

It has been 100 days since XXXX XXXX was requested to close account. I do not feel confident that I will receive a refund with the run around I get when call to get an update. My husband also requested to close his account the same day and has received his reimbursement already.
Product: Mortgage

The purpose of this letter is to file a complaint against Wells Fargo Bank for an unfair, abusive and deceptive act and practice associated with the up charging of rate lock loan discount fees from the time it was disclosed on the initial loan estimate to the time I received my closing disclosure. There was no additional credit risk taken by the lender at closing and certainly no reason to charge me a higher discount fee. 

My understanding of an interest rate lock is that the interest rate and loan fees or discount fees are locked for a period of time ( 60 days in this case ) based on the loan amount and type of transaction requested. 

I will attached a more detailed letter of explanation when prompted.
Product: Checking or savings account

I tried to use my Chase debit card at a gas station so I could go to work. My transaction was declined 3 times. I checked my account and there were funds available so there is no reason for my card to be declined. Stuck at the gas station with no cash on hand, I had to call support to find out why my card was declined. Chase told me they didnt know the details or reason as to why but my checking account has been closed and I have no idea access to the funds in my account. I HAVE NO ACCESS TO MY OWN MONEY BUT THEY COULDNT TELL ME WHY!! I was stuck at the gas station without my wallet and had to turn my car upside down to find enough change to get me a gallon of gas to go back home to get my wallet. I was not only mortified but the experience was traumatizing!! I thought an honorable institution such as Chase must abide by financial codes and rules of conduct but to tell me my account was closed but couldnt provide any reason whatsoever as to the result of the closure is completely absurd. This is America not a XXXX XXXX  XXXX country!
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 more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. XXXX XXXX has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX 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 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 88 times in the last 120 days. 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 homeless n cant provide to my XXXX  XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Credit card or prepaid card

I applied and was given the Chase XXXX card, which promises {$200.00} cash back if you spend more than {$500.00} in the first XXXX months. I surpassed this spending amount in the first 30 days, but did not receive the {$200.00} cash back and a supervisor at Chase could not explain to me why I wouldn't, saying that that he " had no ability '' to provide what the bank promised me. 

Offer details here : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, XXXX and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. 
Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, XXXX address found on my credit report.
Product: Bank account or service

Within the Summer of XXXX, I went into the US Bank, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and closed both of my checking and savings accounts with US Bank. I received a statement for XXXX XXXX to XXXX XXXX, XXXX, which indicated that I had a {$0.00} balance within my savings account. 

Much later on, I received a statement for the period of XXXX XXXX, XXXX through XXXX XXXX, XXXX, that I was charged a " Monthly Maintenance Fee '' of {$4.00} on XXXX XXXX. 

A letter, which was dated on XXXX XXXX, XXXX was received and indicated, " This letter is to notify you ... your account has been overdrawn for XXXX consecutive business days. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Another letter was received, which was dated on XXXX XXXX, XXXX. The letter stated that " This serves as a final notice regarding the overdrawn balance in your account. Our records indicate that your account has remained delinquent for 20 business days. If your account remains overdrawn, your account will be closed by the Bank and your account will be transferred to U.S. Bank 's Recovery Department where further collection attempts will be made. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Today, which was XXXX XXXX, XXXX, I called US Bank at XXXX. The male individual indicated that he would not be able to assist us, since the account has been closed for more than 3 months. He redirected us to the " Collections '' department. Then we spoke with XXXX who rudely indicated that she could not help us and that we needed to speak with the branch that closed our account, and to speak with a branch manager or banker, but not a teller. 

We immediately called the US Bank branch where we closed the account, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We asked to speak with a branch manager. XXXX stated that the branch manager was not there. We mentioned that we could speak with a banker as well, so XXXX proceeded. XXXX indicated that we needed to contact the " XXXX '' number because she did not have access to our files. We stated that we have already called them, and she said in an extremely rude, condescending tone, " Why did you wait so long to follow up? '' In response, I rudely stated, " Why did you charge me? '' and my significant other stated, " We did n't know. '' A bit later on, I just hung up.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and do not belong to me. Please delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Continuing calls many consecutive days on weekends in early XXXX  I have mention to the debt collector my health concern and took down their name and number but they called me today again in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

Chase unrestricted my personal bank account after I received a small EIDL loan as XXXX XXXX. Which SBA gave based on the loan application. Need to get the account unrestricted to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Report Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. Which is me the consumer XXXX XXXX XXXX. I have never given permission to any Consumer Reporting Agency. 

As a Federally protected consumer I have been violated by XXXX and Equifax. I have never given written instruction to XXXX or Equifax permission to furnish any of the accounts listed below. 

XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX XXXX Acct. XXXX XXXX. XXXX Acct # XXXX
Product: Debt collection

I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that XXXX, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.
Product: Credit card or prepaid card

My complaint is with Capital One Bank. I'm continuing to receive fraudulent charges on my account. Since XX/XX/2018, I have received 6 new accounts with 6 new credit cards issued because of this. I'm a victim of data breach by Capital One. The fraudulent charges are from subscription services that were never authorized. Capital One states that Visa/Mastercard has an agreement with merchants for subscription services to continue to give updated card information. What about the agreement with Capital One and Visa/ Mastercard , with protecting the consumer? My account has been compromise 5 times, with 6 new credit cards giving to me in 3 weeks. I'm also concern about my credit due to this. Capital One has refunded the charges and sent letters to me on all the accounts that the dispute is resolved, and it won't happen again. However, it continues to happen. It is giving me anxiety, stress, discomfort and it is time consuming to have this continue to be unresolved. It isn't my job to contact the merchant, if the charge is fraud. It is Capital One 's job to contact the merchant. With it happening 5 times and 6 new credit cards, issued to me by Capital One in 3 weeks, it should be flagged for a fraud investigator to look into this matter, personally. On XX/XX/2018, I spotted another fraud charge, and I had Capital One fraud department contact the merchant with me on the phone. After questioning the merchant with a Capital One Fraud Investigator on the phone, It was told to me by the merchant, that Capital One, never called them or sent them a letter to find out why the merchant charged my credit card account. Capital One 's fraud department isn't doing any investigation on fraudulent activities, they are sending out letters that the problem is resolved, in reality it keeps occurring. All consumers need to be aware, I was told that when a credit card is sent by mail from Capital One, the activation only protects the chip. If someone gets your mail, they can use the account number, expiration number and the security card, without the card being activated, a few times they sent a credit card to me and it stated no activation is required the account is ready to use, which I kept the letter the credit card was sent with, why send cards out this way if fraud is reported on them, this is a problem by Capital One Bank. It would only be fair for Capital One to provide credit protection by all 3 credit bureaus due to this mishap on their part. I want to be assure this doesn't effect my credit, this doesn't happen again, and my account is personally handled. Seriously, as a consumer I have broken all records, receiving 6 credit cards in 3 weeks, wow. If this continues, the media will be involved. Consumer accounts compromised - DATA BREACH BY CAPITAL ONE BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

As seen in the attachment, this account should have been deleted however it still shows on Experian when it was removed from  XXXX  and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling numerous of health issues and back in XXXX I was XXXX  following an XXXX  XXXX. I had to stay in the XXXX  for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by Equifax for Account XXXX Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation.

PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle.

Summary of Errors and Discrepancies for Account XXXX Equifax Late Payment : A 30-day late payment was inaccurately reported for XX/XX/XXXXXXXX XXXX 
High Balance : Reported as {$0.00}, significantly inconsistent with other bureaus. 
Last Verified Date : Listed as XX/XX/XXXX, differing from XXXX and XXXX. 
Closed Date : Not specified, inconsistent with other reports. 
Dispute Status : Marked as " Consumer disputes - reinvestigation in progress, '' yet no resolution provided. 
Account Status : Listed as " Open, '' conflicting with the closed status on other reports.

Account Remarks : Incorrectly states " Amount in H/C column is credit limit, '' which does not reflect the account accurately. 
Two-Year Payment History ( Late Payment Dates ) : Reported a 30-day late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Experian multiple request to investigate information on my credit report. Ive attached my personal information verifying my identity also I attached a copy of a police report showing that Ive been a victim of identity theft. Theyve yet to respond or initiate an investigation. Its been complete disregard and this ongoing issue is damaging to my credit and Experian has yet to do their due diligence to investigate as they should by FCRA. Id like this to be investigated and due to the neglect Id like items disputed removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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