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

On XX/XX/2022 a inquiry was made on my credit report for Capital One Bank. I received an email from XXXX XXXX alerting me of the inquiry. I then called Capital One to notify them that I did not authorize that application. Capital One informed me that no open account was in their system with my information. They instructed me to provide a mailed letter to their office detailing what happened. 

I then went on my XXXX account to dispute the inquiry. I noticed that their was an address listed under my personal information that was not mine. The address was XXXX XXXX XXXX XXXX, Georgia XXXX. I notified XXXX about the inquiry and they made a fraud alert on my account and mentioned it would notify all other bureaus. 

I also went on my XXXX and XXXX account. I disputed the inquiry on XXXX. On XXXX, I noticed there was a phone number under my information that was not mine. The phone number was XXXX. 

XXXX advised me to file a police report or a complaint via the Federal Trade Commission and I was directed to here.
Product: Debt collection

The Debt to Phoenix Financial Services is inaccurate and the ORIGINAL CREDITOR XXXX XXXX XXXX XXXX Hospital Acknowledged on XX/XX/2021 that the debt was paid in full by the updated insurance carrier that was effective at the time. XXXX XXXX XXXX received a full payment of the bill that was improperly billed by their staff on XX/XX/2021. I brought the information to to debt collector and the credit bureau and they are stating a debt is still owed when there is a {$0.00} balance for the date of service in question.
Product: Debt collection

Certified services inc. 
For the amount of XXXX i do not have know anything about this company or where it comes from this is identity theft and i am highly upset this is on my credit and this is messing up my name and my life and i am willing to get this resolve as soon as possible and i am willing to take every step to get this issue resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted previous disputes to XXXX, Transunion and XXXX on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : XXXX  is the only one who actually addressed the process. Transunion and XXXX   have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. Transunion has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to XXXX  of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from XXXX & Transunion Credit Reports as well a 3 bureau credit monitoring services from XXXX XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.
Product: Checking or savings account

The last week in XXXX I noticed my checking account and credit card were negative. It was due to fraudulent unauthorized charges from an online company. I reached out to the company only to be locked out of my account. XXXX. I reached out to my bank, Wells Fargo and they have denied every fraud claim I have opened, laughed at me, hung up on me and the branch XXXX just rolled her eyes at me after having been in many times. I have multiple charges of the same amount XXXX times on a same day from different entities of the company and Wells Fargo has still to give me a reason why its denied. I had a XXXX linked to this account and they fixed my fraud claims in under XXXX min. 
I want a valid reason why Wells Fargo thinks they can deny these fraud claims as I received no papwrwork to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that the accounts on my credit report are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud alert added to my credit report because I found about six unauthorized hard inquiries on my credit report. After contacting XXXX & Equifax about to them, XXXX immediately removed them, Equifax has kept them on. This is fraud and I want them removed off of my credit.
Product: Checking or savings account

I received your written response dated XX/XX/2024. 

Why did the system even allow me to select 10 Months ( 5.30 % APY ) during the non-renewal period? 
This option SHOULD NOT HAVE BEEN THERE for me to select. 

Additionally, Your next APY will be calculated on your maturity date could easily be misunderstood to mean that the next APY would be 5.30 %. 

Very disappointing, and nothing short of misleading the customer. 

Also you did not answer the most important question why is there NO WARNING ON THE RENEWAL SCREEN THAT THE INTEREST YOU SEE IS NOT THE RATE YOU WILL GET. 

Capital One needs to update its system for CD renewals and WARN ALL CUSTOMERS ABOUT THE ABOVE ISSUE if they happen to renew their CDs during the NON RENEWAL PERIOD. 

THE WARNING SHOULD BE IN BOLD, RED FONT. 

I am sure there are others customers like me who have been tricked into thinking they were going to get a good rate, and ended up with a much lower rate.
Product: Vehicle loan or lease

I went to purchase a car from XXXX XXXX on XX/XX/XXXX. I test drove and started some initial paperwork but had to leave before it was complete. Being XXXX and XXXX XXXX I ran it by my parents who said I was being gouged and not to take the deal. The dealer was offering 15.99 % Rate which is double prevailing rates despite my excellent credit score ( XXXX ). Additionally they added a {$1700.00} warranty that I couldnt make a claim on for 1 month and was only good for a year. I did not take possession of the car nor did I sign the title transfer. My XXXX went back to the dealer with me to negotiate a better deal and to advise of my mental health status. They refused to change term saying the deal was done and that if I didnt take the car they would put a repo on my credit. We left without the vehicle and I followed up in writing the next day to confirm cancellation. The dealer pushed the loan through to the bank anyways. I called the bank on XX/XX/XXXX and they said they would investigate and get back to me. As of XX/XX/XXXX the dealer refuses to acknowledge me and has not refunded my {$3000.00}. The bank has also not done anything and still is keeping the loan active and has started sending billing statements.
Product: Credit reporting or other personal consumer reports

I have received XXXX credit complaints from different banks, which have affected my credit score, yet I have not applied for any of these, the only thing I have consciously applied for is XXXX Capital One credit cards. I need your help to solve this problem and erase these XXXX complaints from my history. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX  ACCOUNT # XXXX has violated my rights. 

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 an account without my written intrusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681i Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Accounts XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX was disputed on XX/XX/2022 along with XXXX XXXX XXXX but only XXXX XXXX XXXX was disputed. Experian confirmed that the dispute was received and began on XX/XX/2022 but did not start an investigation which is a violation. Evidence provided below showing how only one dispute was open with XXXX XXXX XXXX but did not with the others
Product: Credit card or prepaid card

I had an inactive Citi American XXXX XXXX XXXX- which I have no activity on but have had since XX/XX/XXXX with no late payments. My credit report alerted yesterday that CITICARDS CBNA flagged my account as 90 days past due with a balance of {$170.00} and a " past due amount '' of {$82.00}. 

I had been getting robocalls claiming to be Citibank, but when I logged into my online portal it showed that I had one XXXX XXXX and the balance was {$0.00}. I disregarded the robocalls since there has been an increase in fraudulent calls recently. 

Today, XX/XX/XXXX, when I saw the credit notification I called Citibank using the number provided and was told that I could not see the account because it has been closed, but Citi had charged the membership fee to the card and I have been accruing interest and penalties. If I wanted it to stop then I could pay over the phone. 

I explained the situation, said I could not see anything ( even the account ) and told them it had been inactive for a long period of time. I was told that I had opted for paperless notifications at some point so I wouldn't have received any indication of the issues. 

As a result of this membership fee, interest accrual, and penalties on this previously inactive and now closed account, my XXXX score decreased by XXXX points. 

This feels incredibly predatory. I requested to speak to someone within the company to escalate the situation or to submit a complaint and did not get escalated or transferred to anyone else. Instead, I was just told the only thing I could do would be to pay the balance owed.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, are still listed under my personal information. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/2016
Product: Other financial service

I made a transaction on XXXX XXXX, 2016 on the internet to XXXX using the checkout merchant provided by them called " Skrill '' and the merchant charged my checking account twice for the transaction. The original charge to the company XXXX XXXX was XXXX equaling out to {$600.00}. The merchant then again charged my account yesterday XXXX XXXX, 2016 for {$610.00} to them ( Skrill ). I dont have any connections with them at all outside of that one transaction to XXXX on XXXX/XXXX/16. I contacted XXXX and they verified that they only charged my account once by them and that they only received one payment. They sent me the invoices and the transaction details of everything on their end and it confirms that I was only charged once by them. On my bank statement it shows that only one charge through XXXX associated with Skrill was made. I tried contacting skrill by phone and email and couldnt get any response. The phone line was automated and when i tried emailing them and they replied with sorry we dont know you you arent registered with us and that is true I am not registered with them so that is how I know I should n't be getting charged with them and they should be taking money out of my account or have my checking account credentials. I have the documents to everything I stated showing everything within the process. The charge that Skrill made on my account to them on XXXX/XXXX/16 came out of nowhere and I didnt make that charge they charge my account for it as if I had bought from XXXX XXXX again but Skrill didnt get the amount right and it was titled wrong. The real charge was stated on my bank statement was listed as XXXX XXXX XXXX XXXX XXXX which was the {$600.00} stating both the merchant ( skrill ) and the seller ( XXXX ) and now I have the other charge which wasnt made by me of {$610.00} from SKRILL XXXX XXXX XXXX and I didnt have anything to do with skrill or have an account with them for them to have my debit card information to charge. The only time my card info was used was when I was directed to the Skrill checkout for checking out on logic templates website.
Product: Debt collection

XXXX-17 : Received COLLECTION AGENCY ALERT from North Shore Agency regarding {$110.00} allegedly owed to XXXX in XXXX, PA. I immediately disputed the debt in writing to North Short Agency as well as XXXX. I do not do business with XXXX at all. Debt is not mine.
Product: Debt collection

Portfolio Collections is now on my credit report and they are trying to collect a debt that was paid off by my agreement with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX  XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

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

Unauthorized hard inquiries that were reported as follows 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 XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. 

Attempted to dispute inquiries with all XXXX credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent IRS No tice of Withdrawal of Federal Tax lien  to  XXXX ,  XXXX  and Experian to delete the entry from our records, and they have not.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved issue of fraudulent items on my account. Despite my initial attempts to rectify this matter, I find it necessary to address it once again. 

Since then, I have diligently followed up on multiple occasions, providing additional evidence and emphasizing the urgency of the situation. Despite my efforts and the assurances I have received, the fraudulent items persist, causing me significant stress and financial hardship. 

The failure to address this issue in a timely manner reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has placed a fraud identity alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.
Product: Debt collection

Capital One has been collecting payment of {$50.00} monthly on the XXXX of every month since XX/XX/XXXX. Currently, they had this charged off as of XXXX, however they recently updated their records stating that it was newly charged off as of XX/XX/XXXX. Capital One has refused to state that I am making 'payments as agreed upon ' and have informed me that they do not have to report any payments or correct the status of the account. This is false statements that are being made on my credit report and damaging my credit reputation. False statements are unlawful and as a consumer I am protected from FTC 15 USC 45b.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX  AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX
Product: Credit reporting

I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either XXXX or TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them certified letters asking them to remove incorrect info that was placed on my credit report on XX/XX/20 with regards to a XXXX XXXX collection account for {$1200.00} on XX/XX/20 which they signed for on XX/XX/20. I also submitted a complaint through the CFPB Portal on XX/XX/20 because they had violated the Fair Debt Credit Reporting Act and as of today no response from either communication and the incorrect, illegal information is still in my credit file. They had 30 days from receipt to investigate and that time frame has clearly expired.