23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There was a credit card opened without my knowledge and I disputed this with capital one and the decline my dispute. I also asked capital one to show me where i signed for this card and i have not been given a response. I dispute it with XXXX and they also did nothing to help. This is dated XX/XX/2024 to present and as it stands they have closed the card down and charged it off and charging me the balance that i did not have any knowledge of. I also have a File number which i will include from XXXX XXXX to help with your process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported my mortgage account as delinquent. Transunion notified me through email that an account was delinquent and they decreased my credit score. I logged into my Transunion account and discovered that XXXX XXXX XXXX falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit ACH payments from my financial institution? I logged into XXXX to see if the same false report was in their system, and XXXX system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen credit score restored and the years of damage to my credit score restored as a on-time paying homeowner since XXXX XXXX XXXX  acquired my mortgage from XXXX XXXXXXXX XXXX on or about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX XXXX reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by XXXX XXXX XXXX, XXXX. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXXXXXX XXXXXXXX  last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a collections account on my credit report for {$350.00}. It was originally a national grid account that was closed in 2009. I disputed it with Transunion in XXXX of last year & it was removed from my report. Last month it must have been resold to another collection agency & was re-reported to Transunion. I disputed its validity with Transunion & they denied removal. Transuions response was that it meets FCRA requirements. Is it legal to keep changing collections agencies & reporting false dates on my report? I've tried to resolve with Transunion but it is still on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Unauthorized Credit Inquiries Dear Experian, I am writing to dispute unauthorized credit inquiries made by the following companies, which I discovered while reviewing my credit report obtained from your bureau. I have not authorized any of these inquiries into my credit report, nor have I given consent to any companies to access my personal credit information. 

Inquired Entries : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX  XXXX  XXXX XXXX, XXXX, CO, XXXX Purpose : Real Estate on behalf of XXXX XXXX  XXXX Scheduled Record : Until XX/XX/XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX Purpose : Unspecified Scheduled Record : Until XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CO, XXXX Purpose : Real Estate on behalf of XXXX XXXX XXXX Scheduled Record : Until XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Purpose : Real Estate on behalf of XXXX XXXX XXXX XXXX Scheduled Record : Until XX/XX/XXXX XXXX MO Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI, XXXX Purpose : Real Estate Scheduled Record : Until XX/XX/XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CO, XXXX Purpose XXXX Real Estate of < {$100.00} on behalf of XXXX XXXX XXXX Scheduled Record : Until XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), a company must have a permissible purpose and my written consent to access my credit report. These inquiries are a violation of my privacy rights and federal law.

I hereby request the following : Provide me with a copy of my signed authorization form granting permission to these companies to access my credit report.

If you can not provide proof of authorization, please immediately remove these unauthorized inquiries from my credit report.

Please provide written confirmation within five ( 5 ) business days to verify that my request has been addressed. Failure to comply with this request will leave me no choice but to pursue legal action, including seeking statutory damages, punitive damages, and recovery of reasonable attorney fees as allowed under 15 U.S.C. 1681n.

This letter serves as notice that I am serious about protecting my legal rights. If you need to contact me, please do so in writing at the address provided above or via my phone number. 

Sincerely, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX
Product: Prepaid card

I received an American Express Gift card for {$1000.00}. On XX/XX/XXXX I was in the XXXX XXXX in Vermont where I drove up 5 hours from my home to purposely use the card for a weekend trip. When checking out, they accepted the card, but American Express would not relinquish the funds even though I called American Express they verified there was {$1000.00} on the card but would not allow me to use it there. I was in the lobby of the hotel 45 minutes on the phone with them and their answered to me was go use it someplace else. when I got home after having to pay on a credit card I called again and I was told I can only speak to XXXX even though many times I asked for a representative in the United States, hoping that they could help me better. They just continued to tell me American Express. Gift cards are only handled through XXXX. I spent about three hours the next couple of days calling and calling, trying to get this situation rectified and the only answer I keep getting is to use the card someplace else. So at this point I still have {$1000.00} gift card that I got as a gift purposely for my trip. Customer service was atrocious. Many times they put me on hold while I asked for a manager, and then they disconnected me and I had to start all over again. This is no way to treat a consumer using their product.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed a dispute with Equifax regarding my account with my mortgage company, XXXX/XXXX XXXXXXXX, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my Equifax credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my Equifax file. When I reached out to Equifax to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called XXXX/XXXX  XXXX to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact Equifax to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with Equifax, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed my credit history and ssn to be breached and did not notify me. They have known about this issue for months and are only now being exposed for it. They are a heinous company and should not be trusted with anyone 's information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer Social Security # XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consist of auto loans, auto insurance ( collections ), and credit cards. 

Account Name : XXXX, Account number : XXXX, Account Balance {$36000.00} ; Account Name : XXXX  XXXX, Account Number : XXXX, Account Balance : {$490.00} or {$500.00} Account Name : XXXX XXXX, Original Creditor : XXXX Account Number : XXXX, Account Balance : {$300.00} Account Name : XXXX XXXX, Original Creditor : XXXX, Account Number : XXXX, Account Balance {$300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft XXXX  Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

2 years ago I made a wire transfer to a vendor who passed himself as my landlord as he used the same email where i always communicate with my realtor, he stated he would supply the wire information and i paid some rent money on it. When I called my landlord they said they did not receive anything and that it was a scam. They blocked me on their emails. I called Citibank to track the scammer no help.
Product: Money transfer, virtual currency, or money service

A person pretending to be from the power company said i was overdue and power would be shut off within the hour on XX/XX/2021. Method for quickest transaction possible was a money app provided by my online banking app. Transaction was completed, power remained on, but no credit to my account. My bank wouldn't even file a report due to the XXXX XXXX method of payment they provided access to from their app.
Product: Credit card or prepaid card

I have been a proud Chase customer for 20+ years. I particularly enjoyed the credit card products because of the generous rewards and swift dispute resolution. In the last 2 months I had 2 transactions that I had to dispute. For the first one I was triple charged and was obvious on my statement. Chase had shut down the ability to file a dispute claim electronically. I used the Secure Mailbox and 3 weeks later I have no response or credit. The second transaction was a fraudulent charge. Again, in the past Chase will catch these before they hit my accounts. I locked my credit card immediately to prevent further charges. I tried to call what used to be a 24/7 line to report fraud and dispute the transaction to hear a message that said to call in business hours, no mention of what these hours are.
Product: Checking or savings account

On XX/XX/XXXX, I sought a {$1000.00} loan for classes and contacted various loan companies. I received a text from XXXX XXXX, a company I had worked with previously, which led me to believe it was legitimate. During a phone call, they offered me a larger loan of {$1800.00} and requested my bank login information for direct deposit and automatic payments. Despite feeling uneasy about sharing my bank username and password, I ultimately provided the information after checking their website. 

The caller then deposited {$490.00} into my account to " test '' it, but this raised further suspicions. I changed my bank password, after which the caller suggested using XXXX XXXX instead. I sent them my XXXX XXXX QR code and transferred money, believing it was part of the loan process. However, I later discovered that they had disputed legitimate transactions and that the {$490.00} was a fraudulent check. 

After realizing the fraud, I reported it to my bank, which shut down my debit card and initiated a fraud investigation. Although they provided provisional credit, they later claimed it was not fraud and closed the case, which I disputed. I've since reported the fraud to multiple agencies, including the XXXX XXXX XXXX and credit bureaus, and are working with my local media on the issue. 

As of XX/XX/XXXX, I discovered my account was in the negative due to the bank reclaiming the provisional credit. I reopened the fraud case, but the investigation has been frustrating, with conflicting information and lack of support from the bank. Now today I see they sent me a letter today XX/XX/XXXX they closed the fraud investigation again stating that it was not fraud that it was from the same IP address and I had worked with the company previously which I did but, it was not the legitimate company. I have worked with them before but, back in XXXX and it was not a legitimate company this time in XXXX I was speaking too. 

Overall, I feel frustrated and taken advantage of, both by the fraudsters and my bank.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

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

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

I lost my whole wallet with all my I 'd social security card in there and that how someone got hold to my account information
Product: Student loan

I received a notification from Navient on XXXX XXXX, XXXX regarding the removal of the delinquency reporting for all my XXXX XXXX Loans and XXXX XXXX XXXX Loans reported for XXXX and XXXX ; NAVIENT submitted a request for removal of delinquency reporting on XXXX XXXX, XXXX. I 've recently received an updated credit report from XXXX ( attached ) and my student loans are still reporting 120 days past due for XXXX. In my previous case with CFPB ( CASE NUMBER : XXXX ), I was reassured via phone from a Consumer Relations representative on XXXX XXXX, XXXX and via CFPB ( CASE NUMBER : XXXX ), all delinquent reporting for my NAVIENTXXXX student loans would be removed for XXXX and XXXX ; XXXX XXXX, XXXX the request will be submitted to the credit reporting agencies to remove any delinquency reporting but, I 've recently received an updated XXXX credit report that shows all loans in XXXX are still 120 days past due. I 've never been past due on my student loans and all my student loans with NAVIENT/XXXX are current.
Product: Checking or savings account

i deposited two checks on XX/XX/22 in the amounts of {$1900.00} and {$1200.00}. I waited until the checks 'cleared " the bank. They were in pending status until XXXX when the funds were made available to me. On XX/XX/22, I deposited a check in the amount of {$1900.00} via mobile deposit. I again waited until the funds were made available to me. These were checks mailed to me for products I sold. Since the funds were made available in my account, I spent the money. Then on XX/XX/22, these checks bounced and Berkshire Bank took the money from my account. I then made two more mobile deposits on XX/XX/22 for {$1200.00} and {$1800.00}. Again the funds were approved and made available to me. Then on XX/XX/22, the money was taken out of my account because the checks were not good. In all instances, I specifically waited until the money was made available to me prior to spending it thinking these checks were ok. When I contacted Berkshire, they told me that I should have known better not to use the money for a few days. How am I supposed to know not to spend money that is made available in my funds. What is the waiting period? This makes no sense. Once money is made available, I thought the bank made sure these checks were in good order prior to making the money available to me. Now to cover my bills, I had to move money from my savings to cover the money that Berkshire Bank made available to me, then took back. This is not right. Something needs to be done about this. I am out a lot of money and I need it back. This is not my fault that the back did not do a complete check on these funds prior to giving me the money. Any assistance you can offer me would be so much appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to have XXXX to remove collection items reporting because these items were not accurate. They never responded to the request sent however, they did update the file to remove the Name of the collection company and list it has a zero balance. Along with my letter I sent them supporting documents were these accounts were paid directly to the original creditor XXXX XXXX Hospital. I also received documentation from the original creditor that payment was received and excepted. I contacted them by phone on XX/XX/XXXX at XXXX XXXX  to ask them to explain the reason for reporting with no Company Name and balance and who was the company. They told me the company name was XXXX XXXX. They stated that the company verified this item belonged to me. Well I requested them to send me how this item was verified for the second time. This error in reporting is Defamation, Negligent Enablement of Identity Fraud and VIOLATION of the Fair Credit Reporting Act. 
,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting

I am filing this complaint because my requests have been ignored by Transunion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''
Product: Money transfer, virtual currency, or money service

My Account was deactivated by TransferWise without any prior notice or warning. When I contacted them for the reason they said we are not bound to provide you reason. 

When I asked to refund me my money and the charges you deducted as the banking services then they said " Unfortunately we won't be able to refund you the charges. Regarding the remaining funds you had in your TransferWise account, we have to wait until the aforementioned due diligence checks are completed. Kindly note that these checks can approximately take 60 working days. '' There is no logic for deducting money as the banking services when they are closing my account my email id is XXXX XXXX
Product: Debt collection

I have sent several letters to validate the debt to Midland CRE and still they are reporting a debt that does not belong to me. I have also communicated with the three credit bureaus and still no bonafide proof and I want this debt deleted and no longer associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes over the years with Equifax, XXXX, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.