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

XXXX XXXX  XXXX XXXX  XXXX  Equifax Account # XXXX XXXX XXXX The creditor name is STILL incomplete and I am not certain what the name of the creditor is? 
The account numbers are STILL truncated and they don't even match. 
The date of first delinquency is STILL incorrect. 
The date of last activity is STILL incorrect. 
The payment history is STILL reporting incorrectly.

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate post investigation? Did you even investigate? If so, what was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries appearing on my Equifax credit report. These inquiries were conducted without my express authorization, in violation of the Fair Credit Reporting Act ( FCRA ) and relevant case law.
Product: Credit card

I had fraud committed on my XXXX credit card account by my ex-wife. Charged over {$2000.00} by my ex-wife unbeknownst to me. I found out about these charges when I was refinancing on my house and the mortgage company went through my credit history. XXXX Company 's excuse was that my ex-wife opened the card when we were still married and decided to use the card after the divorce and I have the deeper pocket so I am responsible for the charges. There is no voice authorization said I accepted my ex-wife into my account let alone no written authorization. XXXX kept saying that because I was once married to her that I am responsible, and if I wanted to cancel her account or even my account so I do not do any more business with the XXXX ; I have to sign admitting that it 's my fault which is not! The company knows I am trying to keep my credit rating up so they are going after me even though it 's my ex-wife who charged all the money! I am the victim of fraud, and I advise everybody to not have this happened to them especially when you go through a divorce. Do not let this happened to you! Especially with XXXX Co. they are the worse customer service to deal with in fraud especially when you are the ACTUAL victim!
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. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Product: Debt collection

There is a fraudulent account on my credit report that was opened up in XXXX of 2017, that I DID NOT Authorize to be opened. I believe that a falsified ID may have been used to open this account, that I was unaware of, until checking my credit during the initial home buying process. The company who holds this alleged account is Acima Digital FKA Simp and the alleged balance is {$3400.00} I have also filed a report of fraud with the FTC. I am requesting this be deleted off my credit / consumer profile.
Product: Credit reporting

I did not find a suitable line to check for my particular issue as follows. 
When one applies for a loan the Credit bureau is immediately notified while it take XXXX days for debtor payment to be reach the credit bureau. This undue delay places the debtor and his family at a disadvantage given the important role that credit score play in the market place. This unwarranted and iniquitous delay in reporting a change in the debtors ' credit status could mean life and death for those of us who operates on the margin. The cruel and inordinate delay could mean homelessness for those of us who are renting property, lives are interrupted, and children may not be able to attend school.
Product: Credit card or prepaid card

This account was opened fraudulent. I reported to police department and I sent a copy of the report to all credit agencies. The account was removed and I received a letter indicating it didn't belong to me and I was not responsible. The account was placed back on XXXX.
Product: Credit reporting or other personal consumer reports

I have been calling and writing Experian since XX/XX/XXXX. I have requested a comment stating Account disputed by XXXX XXXX meets the FCRA. First I never ever disputed this account. Everytime I call about the removal of this comment they open a dispute. I have not requested a dispute on my credit report at all. These last XXXX weeks I have called every day. And each time I am told that it will be removed and then they send a copy of the report through email. And each time I review the emails I still see the statement under comments just above XXXX  XXXX. Each time they open a dispute it hurts me and is pushing my closing date back. XXXX XXXX, is not disputed nor have I ever disputed it. Then they opened a dispute on XXXX XXXX. I never disputed it either. They also created a dispute concerning my name which has been the same since XXXX XXXX. Not changed! I have been lied to daily several times a day. The dispute department never acknowledge they made a mistake but one rep blamed the previous one and assure it would be removed. But it does not.Even with a witness to all these statements. I have been lied to I have hung up on, I have been told there is not a supervisor in the dispute department. I haven told there is no legal department. I have been stressed out and XXXX because of this. I am trying to close before I have XXXX. And I have been fighting with Experian to remove this comment for several months. Every time I call them they open a dispute instead of requesting the removal.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report, and notice I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I have tried since XXXX to get a refund for a cancelled car rental through the Chase Travel Center. I have spoken to at least eight different people who have each processed my refund and communicated to me that I will receive the refund in anywhere from 2 days to 2 months time. Chase 's internal records of my communications with the Chase Travel Center team have been disorganized and inconsistent to the point that many times there has been no record of me requesting the refund or cancelling the car rental to begin with. 

I have found their customer service to be polite, but extremely dismissive and unorganized without any real way to help me solve my problem of getting a refund for my cancelled car rental. 

In total : I have called on the following dates : - XX/XX/2021 - XX/XX/2021 - XXXX ( did not record the date ) - XX/XX/2021 - XX/XX/2021 - XX/XX/2021 - XX/XX/2021 each time I have been told a different length of time I will receive the refund and still have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is not possible to submit a dispute to Transunion. ( XX/XX/XXXX, XXXX XXXX  ) On the document upload page, a XXXX  error prevents the upload process. After that, the process goes into a loop preventing the user from moving forward. 
This is unacceptable. The XXXX XXXX XXXX is utterly broken. 
" Oh, but you can dispute errors! '' we're told. 
No you can't. 
My life was ruined because of credit reporting errors, and I will fight for the rest of my miserable life.
Product: Credit card or prepaid card

On XX/XX/2021 unemployment deposited {$15000.00} into my ( XXXX ) Card.com account. Also, on XX/XX/2021, they deposited {$1000.00}. Totaling {$16000.00}. However, it has not shown up in my account. Several times I have called the company, and they claim they have not received it. Unemployment states it was not returned to them. So, after numerous calls, Unemployment gave me this number to call your company for help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Dispute of Charged-Off Accounts Under 15 U.S. Code 1681 To Whom It May Concern, I am formally disputing the accuracy of several charged-off accounts reported on my credit profile. Under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), I request an immediate investigation into the following accounts : XXXX Account ending in [ Last Four Digits ] Balance : {$15000.00} XXXX XXXX XXXX NA Account ending in [ Last Four Digits ] Balance : {$8800.00} XXXX  XXXX Account ending in [ Last Four Digits ] [ Balance if Available ] I believe these accounts have been inaccurately reported or require further verification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting : Full validation of these charge-offs, including all supporting documentation. 

A detailed payment history and any relevant account records. 

Confirmation that these accounts were reported in full compliance with 15 U.S. Code 1681.

If these accounts can not be verified with proper documentation, I demand their immediate removal from my credit report. Please provide a written response within 30 days, as required by law. 

In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports, I am increasingly concerned about the accuracy of the charged-off accounts listed on my credit profile. This legal action underscores the critical importance of thorough and fair investigations into consumer disputes. ( consumerfinance.gov ) Given these developments, I urge you to conduct a comprehensive and diligent investigation into the disputed accounts mentioned above. If these accounts can not be verified with proper documentation, I request their immediate removal from my credit report. 

Please provide a written response regarding this dispute within 30 days, as required by law. Attached are copies of relevant documentation, including my identification and a screenshot of the disputed accounts for reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage is wi th Ocwen Home Loans,  not by choice.   On  XXXX   XXXX ,   XXXX  , I faxed a request fo r Ocwen to discontinue my escrow according to the guidelines set forth in my agreement. In my documents, it clearly states that an escrow account is a courtesy not a requirement ; however, my request indicated that an es crow account is required, therefore my request was denied. Your account information is limited online and this company does n't honor it 's own guidelines.
Product: Credit card or prepaid card

Best Buy has charged me a late fee of XXXX dollars 2 months jn a row for paying my bill on time. I have spoken to them but to no avail.
Product: Credit reporting or other personal consumer reports

Capital one fiance misuse of down payment, etc & capital one data breach had many inquiries and my other credit card and accounts being hacked and resulting in multiple credit repair costs and credit monitoring etc.
Product: Checking or savings account

Wire fraud took place on XX/XX/XXXX in the amount of {$9300.00} plus a {$25.00} wire transfer fee. I went to the XXXX XXXX, TX branch and personally tried to stop this transaction. The Wire transaction occurred at XXXX and Chase claimed they were unable to stop the fraudulent wire transfer. I was advised it would be XXXX bus days for them to investigate/return the funds. It has been XXXX bus days ( even with the holidays ). Chase filed the claim on XX/XX/XXXX and froze our account. Created a new checking account so they perpetrator couldnt access funds any longer. I was advised by XXXX at the branch that she filed a wire fraud case number : XXXX. I have tried to reach someone to get updates on this research and have been told by XXXX that there is no one I can reach out to. She had previously advised I could call the number on the back of my debit card and ask to speak to someone in the wire dept. After being transferred 7 times, no one was able to help. We feel Chase has no incentive to assist us and are ignoring this. I also tried contacting XXXXXXXX XXXX directly. The wire transfer was sent to a bank account with the name XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. They refused to tell me if they received any electronic notification from Chase requesting my funds to be returned.
Product: Debt collection

Today I received a letter from Citizens One stating that they were unable to process a scheduled payment for an XXXX loan and that within twenty days Citizens One will close the loan and have long term implications on my credit worthiness. I contacted Citizens One and the only information they could give me was that someone purchased an XXXX on XX/XX/17 using my information. This was over a year and a half ago and this was the first letter I received stating that someone used my identity and personal information to get a new phone. I spent over 45 minutes on the phone asking for information on where the phone was purchased, the type of phone and any other details to help me file a police report. Citizens One customer service ( fraud and billing ) could not provide me with any of that information and continued to treat me as if I opened the loan! This is completely ridiculous that Citizens One could do this and offer no assistance to me during a very troublesome time when I just learned that my information was used to open a loan. I should not be financially responsible for a loan that I certainly did not open and for a phone that I never received. My current cell phone is a phone my husband purchased over 3 years ago. I have an XXXX XXXXXXXX XXXX and under no circumstances was a loan opened. I do not want my credit affected by this fraudulent transaction and I ask that Citizens One fully investigate this matter and provide me with actual details.
Product: Debt collection

I began receiving emails from Everest Receivable Services last year in XX/XX/XXXX. They claimed they were a debt collector, collecting on behalf of XXXX XXXX for a debt I supposedly originally owed to XXXX Overdraft. I have no knowledge of owing XXXX any money at all. XXXX never contacted me about this so-called debt and they had my email address if not anything to try to reach out to me. I never got a thing from them or XXXX XXXX. I have a bank statement around the time they claim the debt was opened. The statement shows my account with funds in it so I was very confused as to how I owed anyone money. I was told by Everest Receivable Services, that if I don't respond by XX/XX/XXXX, they would assume I am guilty and owe the debt. I sent them a validation request letter XX/XX/XXXX and informed them that I have no knowledge of this so called debt. I received an email response from someone named XXXX at the agency. He told me they would get the information I requested to me soon. I never heard back from Everest. Last month, in XXXX, I received an email from XXXX XXXX XXXX claiming to be collecting on a debt on behalf of XXXX XXXX. I never received the validation I requested and to make it even worse, XXXX was contacting my sister and informed her of this debt I know nothing about. Now my family is concerned and I am having to explain that I have been trying to get these agencies to explain this debt and how I owe them because i had no idea I owed XXXX anything at all. I'm extremely upset that they contacted my family clearly stating that they are debt collectors trying to collect on a debt I owed to XXXX XXXX. I informed XXXX that I requested validation from Everest and was told I would get the information I requested, but did not receive a thing. I sent a second validation request to XXXX XXXX XXXX on XX/XX/XXXX. I have not gotten one response from them, nor the validation. They are not saying a word to me and were contacting my several days a week to get this money they say I owe but refuse to provide me information other than the amount and original creditor. I am attaching the validation letters I sent that will show dates sent as well as the email from Everest Receivable Services, informing me that they would get the verification information to me. I can provide the rest of the emails from these agencies if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the items UNKNOWN to me XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,
Product: Payday loan, title loan, or personal loan

There are multiple problems with this company, but I could only choose one. This company accepts very limited means of payment and I had just moved and could not access all of my money to pay them in a way that they accepted. The most appalling thing about this company is that they do not close their accounts when asked to do so. They require you to ask two times and they show late payments on your credit report despite this. It is not clearly stated ( or even stated anywhere ) that you need to go through a two step process to close your account. It is predatory and the effect is to place late payments on people 's reports and harm their credit, not help people 's credit as they claim. It is harmful. This is a CD loan intended to help people, but they are lying it is predatory. Their practices are harming people 's credit through no fault of their own. They basically claim people are so stupid they need to protect you from closing your own account with them. They should be allowed to practice in this fashion. They are harming many people the way they conduct business.
Product: Debt collection

IQ DATA INTERNATIONAL IS THE COLLECTION AGENCY THAT HAS PLACED A COLLECTION ON MY CREDIT REPORT. IT APPEARS THAT THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}. THIS DEBT IS NOT VALID. THE OPEN DATE ON MY CREDIT REPORT SHOWS XX/XX/year>. I DID NOT RENT AN APARTMENT WITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORTS IMMEDIATELY. 

ACCORDING TO THE FCRA ( CODIFIED AT XXXX XXXX. XXXX. I HAVE A RIGHT TO DISPUTE, AN INVESTIGATION MUST BE COMPLETED, AND DOCUMENTATION MUST BE PROVIDED.
Product: Credit reporting or other personal consumer reports

I used XXXX ( loan XXXX ) to finance 2 jackets from XXXX XXXX XXXX XXXX ( order number XXXX ). On XX/XX/XXXX XXXX notified me that XXXX of the items shipped out to me. On XX/XX/XXXX, I was notified by XXXX that XXXXne of the items in the order was cancelled and I would be getting a refund. I waited a few weeks for the refund to credit to my XXXXXX/XX/XXXXbut it never did. I opened a dispute for the amount that XXXX was supposed to refund me with XXXX on XX/XX/XXXX and without delay provided documentation to them that part of the order was cancelled by XXXX. When I submitted the dispute to XX/XX/XXXXmy loan was locked and I was prevented from making any further payments towards the balance. I did not know this would happen as a result of the dispute. 

On XX/XX/XXXX I received a notification from XXXX that my dispute was completed and I received a credit to my account for the amount of the jacket. I received a message fromXX/XX/XXXX that despite the fact that I was correct, my order was cancelled by XXXX and they owed me a refund, I was told byXX/XX/XXXXthat the way they " close out the complaint '' was to make a determination in favor of the merchant ( XXXX ). I started receiving spam calls, texts, and emails that my account with XXXX was delinquent and that my account was late as of XX/XX/XXXX. I called several times after XX/XX/XXXX and attempted to resolve the issue with staff and supervisors and every time I called I was promised that no matter what communications that I received from XX/XX/XXXX, I was still not delinquent in their system, it just looks that way because they aren't able to update their system. 

I was laid off from my job in XX/XX/XXXX. XXXX allows you to defer payments on loans for 1-2 months due to hardship without penalty. This loan that had the dispute was marked as delinquent and not eligible for the deferral. I don't have any wages coming in but I was able to make a small payment in the hopes that I would be able to resume normal payments once I started working again. My payment didn't matter. XXXX still reported me as delinquent as of XX/XX/XXXX. My FICO score dropped even more. I am trying to relocate for a new job and the inaccurate reporting by XX/XX/XXXX caused my credit score to drop so that I no longer qualified for housing I applied for. It was embarrassing and now I am stuck paying a higher rent for a lower quality apartment. 

I complained toXX/XX/XXXX on their website, stating that the issue with the return was never resolved and now they are incorrectly reporting me as delinquent and I want them to fix it. I received a message from a " supervisor '' that told me to call customer service to figure it out and he closed the complaint. I was dismissed over the phone and through their system. XXXX works great if you don't have any issues with your purchase but they refuse to take consumers seriously and address issues in a timely manner.
Product: Credit card

When I signed up for the capital one credit cards that I had I enrolled with protection insurance and Im paying that every month in the event Im struggling financially to pay my monthly bill with a loss of hours with my job however capital one is charging me late fees and over limit fees and an increase in interest rates which is not right and when I try to call Im getting people that dont understand English to help me. I need this to stop. I cant keep paying the high bills that I didnt agree to.