23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I have recently become a victim of identity theft following a major data breach, as reported by XXXX XXXX on XX/XX/XXXX. This breach exposed sensitive personal information, including Social Security numbers, leading to a significant and unauthorized impact on my credit profile. 

Upon reviewing my credit reports from XXXX, XXXX, and Equifax, I discovered multiple unauthorized credit inquiries and the opening of a business account that I did not consent to. These unauthorized activities began appearing on my credit report as early as XX/XX/XXXX, and have persisted throughout XXXX. Specific entities such as XXXX XXXX, XXXX XXXX, XXXX, XXXX, and several others have made hard inquiries or opened accounts in my name without my authorization. 

The most egregious of these unauthorized actions includes a business line of credit opened under my name with XXXX, bearing the account number XXXX. This account was reported as opened on XX/XX/XXXX, with a high balance of {$650.00} and was subsequently charged off as bad debt by XX/XX/XXXX. This has not only misrepresented my financial behavior but also adversely affected my credit score and overall creditworthiness. 

I have never authorized these inquiries or the opening of this account, and I assert that their existence on my credit report is a direct result of the data breach. This situation has placed an undue burden on my personal finances and XXXX XXXX, as I navigate the complexities of restoring my good name and credit standing. 

I am in the process of disputing these inaccuracies with the respective credit bureaus and have alerted them to these breaches of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have also informed them that should these discrepancies not be resolved within the legal timeframe of 30 days, I am prepared to take legal action to protect my rights and recover my credit integrity. 



In XX/XX/XXXX, following a major data breach reported on XX/XX/XXXX, which involved the compromise of sensitive personal data including Social Security numbers, my credit profile was adversely affected. Several unauthorized credit inquiries and the opening of a business account were made without my consent. 

Key Events : XX/XX/XXXX : An unauthorized business line of credit was opened, later charged off as bad debt on XX/XX/XXXX, with a high balance reported as {$650.00}. 
Throughout XXXX and XXXX : Multiple hard inquiries were made by various financial institutions and companies, including but not limited to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. These actions were unauthorized and have significantly impacted my credit score and standing. 

Actions Taken : I have initiated disputes with all XXXX  XXXX  credit bureausXXXX, XXXX, and EquifaxXXXX rectify the unauthorized inquiries and account openings recorded on my credit report. 
I have clearly informed the credit bureaus that if the discrepancies are not resolved within 30 days, legal action will be considered to enforce my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

issue is regarding CareCredit a charge taking out of my account on XX/XX/XXXX I received My statement I was alarmed when I saw the charge was for {$500.00} I use this card for my doctors appointment every visit is {$250.00} I have been using my careCredit card at my doctors office since XX/XX/XXXX And if I look back into my statement charge is always {$250.00} I have it set up to automatically comes out of my bank account every month So I never have to pay interest for my visit I called XX/XX/XXXX but XXXX XXXX Never had an exact reason and many excuses When I asked to talk to a manager he said he can refund it Unprofessional And concerning
Product: Student loan

It is time for me to recertify my Income Driven Repayment plan for my student loans. I submitted my request on XX/XX/2018 and I was told I would receive a follow up email a month ago, each day the due date keeps getting pushed back. Now I am supposed to receive email on XX/XX/2018. I haven't received an email. I've asked them what is going on, and haven't received a reply. 

Please help. Thank you.
Product: Checking or savings account

Capital One Bank has closed all branches in XXXX XXXX, Texas without regard to access to their ATMs. So using a " foreign '' ATM will undoubtedly cost extra in ATM fees.
Product: Bank account or service

I went to open an account & get a cash advance with BOA on XX/XX/2016 in XXXX XXXX, NJ. Everything seemed ok & I was provided with a new temporary check card. I have $ XXXX in a XXXX account along with a credit card so I was entitled to gold preferred checking. I went to use the acct. yesterday & could n't. I made a call and found out that it was closed & I need to go in to get a cashier 's check for the {$1500.00} sitting there. I went to BOA in XXXX, NJ XX/XX/2016 @ XXXX & did n't leave XXXX XXXX cuz no one wanted to listen so I could explain. XXXX I sat with XXXX ( sp? ) & she looked at the acct & sent me to the teller. She mentioned that it was pending closing but that my card was shut down. The teller XXXX was extremely nasty & wanted to pass me back off immediately to sit back with XXXX ( sp? ) because she made me input my card & pin # which would n't work cuz the acct was closed which I tried to explain to her. She said " well how are you entitled to the funds ''? She would n't let me explain & told me they have to phone the call ctr. I was on hold in XXXX 's office for over XXXX minutes & finally someone answered the XXXX & told her exactly what I said & she brought me back over to the teller line which I stood in for another XXXX minutes because the woman mgr. decided to take the woman behind me in line to help with obtaining checks while the teller was bz with other people. So, I had to wait for the XXXX to come back over to walk XXXX the teller thru the process for to now get the $ $ that I XXXX came in for. XXXX asked me if I had my driver 's license which I provided to her over XXXX minutes prior as if she did n't remember. Meanwhile, the customer service people I spoke to the night XXXX could n't give me any info for while they closed the account and I felt like I was a criminal. I know I had all of the credentials necessary that qualified me for the gold preferred checking. So, I was given XXXX addresses to contact for further info regarding the acct. Office of the XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX BOA, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX and I was to reference the account #. Getting back to my experience in BOA in XXXX, NJ. I never got an apology from anyone of them I spoke with XXXX XXXX people ) for not fully understanding the matter at hand for a quicker resolution ; nor did the XXXX seem to mind that I was waiting for over XXXX minutes because her employees did n't understand my dilemma and yet she had me wait additional time for her to take another customer ahead of me. I was appalled & disappointed with the complete process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XX/XX/XXXXXXXX presented by my local police department XX/XX/XXXXXXXXXX/XX/XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX
Product: Credit card or prepaid card

Back in XXXX, I applied for a credit card issued by Alliant Credit Union based on the recommendation of XXXX XXXX. There was a card that had a 3 % cash back offer. Since I spend large sums of money conducting my business using a credit card, I considered this a good oppurtunity since my current card does not offer that much back. 

Alliant notified me that I was denied credit due to " lack of credit history ''. This is absolutely ridicules as I am XXXX XXXX XXXX and have paid off millions of dollars off over the last 45 years. 

I called Alliant and they just basically reiterated what was stated on the denial. They acknowledged that my credit score was XXXX and was rated " excellent ''. The can be no other explanation to turn me down other than some form of discrimination that is possibly ethnic, age, or something else. 

Please look into this matter for me please.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXXXXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Someone sent me {$25.00} on XX/XX/XXXX through cashapp. I saw the notification on my phone but did not cash out immediately. When I went back a few days later, the money was not there. When I clicked on the transaction, it said it was waiting on the person to complete the payment. The person who sent it stated that they had taken the money out of her account and that on her end, it said they were waiting for me to accept it. She has spoken with them several times and they keep confirming the amount was sent and that I just need to cash out. However, there is nothing there to cash out. I have contacted them myself and have not gotten a response. Ironically, the transaction has now disappeared from my list of transactions.
Product: Consumer Loan

Wells Fargo Dealer Services is my auto loan lender. After only XXXX days of being past my payment due date, they have harassed and called me 3 times a day, at all hours, every day for 2 weeks straight without ceasing, which I find predatory and very uncomfortable. They also press you for a good and specific reason as to why you are late in making your payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you take a look at my credit report you will see open accounts i never had like   XXXX     XXXX   XXXX ,  XXXX ,   XXXX   XXXX   in   XXXX   and other inquiries from other states i never been to i dont understand why my credit score dropped so much because of false inquiries thats not even mine i believe someone stole my identity and i swear to you those accounts are not mine please take some time to review my report and call me to my mobile phone if you need any information regarding my case please and thank you i really want my credit score back up and good  XXXX  yours sincerely  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been allowing a collection agency to report unverified amounts of medical debt four to five times per month for each account they claim I owe since 2015. I have filed disputes and requested Experian perform an investigation into the amounts being reported as the collection agency has repeatedly refused to to provide me with any account statements or documentation regarding the alleged debts. Experian continues to close my disputes stating the collection agency has certified to the amounts owed. They have ignored my disputes regarding each amount being reported four to five times each month and refuse to require the collection agency provide documentation after I have informed Experian that this information is being withheld from me. This has been an on-going issue each month since 2015 and the pervasive, unfounded negative reporting has resulted in derogatory marks on my credit report and my public records.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-2017 I received a notification via my XXXX XXXX account that the XXXX XXXX was deleted from my credit report after a dispute, however it still shows on my report and I would like to be removed.
Product: Credit reporting or other personal consumer reports

I'm writing to notify you that I have recently been a victim of identity theft, leading to multiple fraudulent entries on my credit report. These 4 accounts and 16 inquiries were added without my knowledge or authorization. 

ACCOUNTS - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX Account # : XXXX - ( Original Creditor : XXXX XXXX ) Account # : XXXX INQUIRIES- XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX I have already reported this matter to the Federal Trade Commission ( FTC ) and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Checking or savings account

Barclaycard closed the credit card account due to inactivity without any warning or prior notice. 
I called them and was told that a notice was sent Friday, XX/XX/2020 informing me the account was closed. Today is Monday, XX/XX/2020 and I am yet to receive the notice. The account was closed the same day! 
Usually credit card companies will warn you that due to inactivity your credit card account will be closed if not used within 30 or 60 days. No such warning from Barclaycard. 
I have wr itten a letter requesting the credit card account be reinstated and I cc 'd The XXXX XXXX XXXX and The Federal Trade Commission. 
These practices have to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are hard inquiries that I did not authorized and I want them to be removed. 
XXXX XXXX XXXX XXXX XX/XX/2020 ALLY FINANCIAL- XX/XX/2020
Product: Consumer Loan

VW Credit is reporting XXXX late payments from a car purchased thru them on XX/XX/XXXX. The account was settled and paid in full by XX/XX/XXXX. The late payments are showing in XX/XX/XXXX which at the time the car was paid in full plus the fact XXXX years have passed since the last activity so this account should not still be reported.
Product: Credit reporting or other personal consumer reports

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of the Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized Inquiry : Transunion : Date of inquiry : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I Request for DELETE!!!
Product: Prepaid card

Hello, I received an American express gift card from my employer as a XXXX gift in XXXX. I have tried my best and have not been able to use it anywhere. I contacted the company earlier this year and they claim their gift card can be used everywhere. Unfortunately this statement is false and their gift card can not even be used on XXXX or XXXX to complete purchases.
Product: Credit card or prepaid card

I went into Chase Bank - XXXX XXXX  XXXX Texas Branch to notify them of my mother 's death and ask them what documents they needed from me to close her accounts. I provided my social security number as Executrix of the estate. The banker not only closed my mother 's accounts, he closed my two credit cards. Now my credit report shows that I am deceased. I am unable to access credit at this point. I will not be able to access any credit until the credit reporting agencies clear this up. I have spent hours transferring the auto payments from one of the closed cards to another source of payment. I have spent hours on the phone with the estate department and other divisions of Chase trying to straighten this out. I have no idea how long this will actually take. In the mean time I can't trade in my vehicle or acquire a new cell phone because the credit reporting agencies shows me deceased.
Product: Student loan

Description of Problem I have outstanding student loans totaling {$200000.00}. Prior to the student loan pause, I was on the XXXX plan and my monthly payment was {$360.00}. My servicer changed from XXXX XXXX to Mohela in XXXX. Mohela recently notified me that I had been automatically converted to the SAVE and my monthly payment increased from {$360.00} to {$670.00}, even though I had previously been told that my payment would remain the same under the SAVE plan. My husband 's monthly payment similarly increased by several hundred dollars. 

This was very surprising and concerning to both of us because we have not re-certified our income since XXXX ( when we used our XXXX AGI as married joint filers ). We called Mohela twice and both times the representatives advised they did not know XXXX ) what income amount was used to calculate our new payments ( e.g., our XXXX AGI? Something else? ) and XXXX ) how the payment calculation was made. This is basic information that should be easily available to all borrowers. Instead, the agents pressured us to re-certify, which I understand we are not obligated to do until XXXX
Product: Mortgage

My home mortgage was recently transferred from a previous servicer to Loancare. The mortgage has been in effect for over 15 years and has always been paid on time or within the grace period. When going to pay the mortgage online today, XX/XX/XXXX, after the due date of XX/XX/XXXX, but within the 15 day grace period, LoanCare added a " one time payment fee '' of {$10.00} '' ... .That fee was not charged by the originator or any subsequent servicer until now, and it is only charged when making an online payment, not for a mailed check. 

I contacted LoanCare by phone to ask for suggest that this charge was unwarranted and not right. They refused to budge, and simply repeated several times that was their policy. 

I will mail a check to avoid this fee, but would like to have the option to pay online within the grace period without being subject to such a fee.