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

I am a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for XXXX XXXX XXXX to remove and delete this fraudulent account from my Experian Credit report. 

I have never had any affiliations or accounts with XXXX XXXX XXXX. I have included a copy of my police report as well as the letter from XXXX XXXX XXXX for this fraudulent account to be removed and deleted from my Credit file. Why Does Experian still have this fraudulent account on my Credit report when XXXX XXXX XXXX instructed them to remove it? I am requesting for XXXX XXXX XXXX to send another request to Experian for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud Specialist at Experian who advise me to send a letter to XXXX to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my Experian credit report : 1. Account name XXXX XXXX XXXX Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}
Product: Money transfer, virtual currency, or money service

Money was transferred from my account to an account in XXXX where was pick up by a person. This bank said there is nothing they could do because it was a money transfer using western union. They said it was my responsibility for the transfer. They never send me a message or something to confirm these transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX County and on XXXX XXXX, 2013 a  Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX XXXX ( a separate and unrelated entity from XXXX XXXX ) is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX XXXX. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the Court 's Order attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX XXXX have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX XXXX. This account was NEVER past due, delinquent or defaulted upon.
Product: Credit card

i was in XXXX california near XXXX in a hotel ( booked using my american express card ) when someone used my card to make fraudulent purchases in XXXX - 6 hours away at XXXX different XXXX stores in close proximity to each other. american express fraud '' investigation team '' determined that i made the purchases and suspended my account " due to a violation of member agreement section XXXX ''. i tried to resolve this issue with AM, to find out exactly how they came to the conclusion they did, namely how was i in XXXX places at once, but all i was given is rude dead end answers. i was told that there was no one i could speak to besides their " hotline manager - XXXX, who said he could not give me his last name. i was told by one lady that i could contact the customer care center and they may reopen my case but then XXXX said that was untrue, that there was nothing else that could be done for my situation ( all of this said on their " recorded line '' ). the worst of this is that i DID NOT MAKE THESE PURCHASES and its like these people do not care at all.they locked me out of my account, so i could not obtain any information regarding this. i am out a few hundred dollars and my only credit card up to this point.someone stole my information and used it and yet im the one they point the finger at and completely refuse to see the lunacy in their accusation..i am appalled that these people are able to continue doing business in this manner. if i have to go to court to resolve this, i will. if for nothing more than principle.
Product: Credit reporting or other personal consumer reports

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Credit Card with my bank and they regularly report my credit to Equifax and Equifax says they do not have a file for me. Verified with all personal identifiers and Equifax does not have a file for me in my SSN. My bank says they have been sending the credit files on my credit card after every billing cycle to all 3 reporting agencies. I am able to get my credit report with XXXX and XXXX, the issue is just with Equifax. My bank says the issue is with Equifax and Equifax says they have not received the file from the bank.
Product: Bank account or service

XX/XX/2014, I booked flights with XXXX XXXX for XXXX people to XXXX XXXX and also bought show tickets. It was all under a XXXX vacation promotion with Chase Bank. I decided to purchase the Travel Protection Coverage in case of an emergency. Turns out I had to cancel the trip so I called Chase Bank around XXXX XXXX to cancel the trip and get reimbursed for the show tickets and flight. I would get all I paid back except the " protection fee. '' The Chase rep was very nice and said she would take care of it. I got a refund for the show tickets on XXXX XXXX, but not for the flight. No one called me or let me know that the Chase policy is to call XXXX a couple of times and if they do not answer then they stop trying. I was changing jobs and did not notice the {$1000.00} was not credited to my account. Months went by and I happened to check my balance and it had not been paid off with my monthly payments. My fees should only have been about {$200.00}. I called Chase Bank and the rep confirmed I had not been credited a refund but that I had to fill out a claim form and show " proof '' of the transaction even though they had the proof. I filled out the form, signed and returned it with my current phone number. A week or so later I get the same claim form to fill out again. I called Chase again and was told someone tried to call me but I did not answer so they closed the case. They called the number in their system and not the number I provided on their form. I get disconnected and had to call back. A different rep said it was true I had not received a credit and he called XXXX. XXXX did not answer so the rep said there was nothing he could do and I had to fill out another form. I was switched to a supervisor XXXX who was very lecturing and annoyed and told me nothing could be done until I filled out another claim form and told me I needed to provide a lot more information than was on their form. She said if they dropped the ball in not contacting XXXX I still had to pay because it took me too long to " notice '' due to their XXXX day policy. XXXX was only interested in getting me off the phone and not resolving the problem. The Protection service does not work. Their claim system is broken and they do n't care. The policies are for the convenience of Chase Bank and not the customer. They go through the motions of talking to customers and being courteous but leave the customer holding the bag. There is no way to tell how many customers have been overbilled due to their so called " protection benefit '' and when they call in, they are made to jump through so many hoops, they either give up or are not helped so Chase keeps their money.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Major Security Breach .... Capital One! 

Lost of any trust and belief in COs ability to control access and release of my personal information.
Product: Debt collection

I sent a written request to L J Ross Associates under the Fair Debt Collection Practices Act ( FDCPA ), asking them to validate a {$910.00} debt they claim I owe to XXXX. Specifically, I requested proof that they have legal authority to collect the debt, a signed agreement showing my obligation to repay, and a full account history detailing how the balance was calculated. 

L J Ross Associates provided incomplete documentation that failed to meet these requirements. They did not provide evidence of legal authority, a signed agreement, or a clear breakdown of the balance. Despite this, the debt remains on my credit report, negatively impacting my credit score. 

I believe this is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable information on my credit report. I am requesting an investigation and the removal of this account if it can not be properly verified.
Product: Checking or savings account

XX/XX/scrub>/25 received a call from XXXX and the number was XXXX the individual who called giving my information of my address and name of the bank. I called the bank told them about the scam someone was trying to use my banking information in XXXX XXXX. The amount trying to cashed check through the bank account was {$600.00} this is a scam. I never authorized my account to anyone.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet fails to notify accountholders about the superior rates offered by the XXXX Performance Savings account This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Bureau Act and the Truth in Savings Act, I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX  Date Opened XX/XX/XXXXXXXX  Balance {$230.00} XXXX XXXX Solution Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$220.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXXXXXX XXXX this account was opened fraudulently this is not my account please remove
Product: Debt collection

My sister ran up a credit card in my name in XXXX-XXXX. 

I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. 

The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.
Product: Credit reporting or other personal consumer reports

DE Child Support Enforcement is reporting inaccurate, as well as illegal accounts to my credit profile. I sent a letter to them on XX/XX/year> requesting validation of this debt and have not received a response yet. It is well past 30 days and according to the FCRA they are to promptly delete all listed unverified accounts. I have also submitted an FTC report, and they have 4 days from today XX/XX/year> to delete all fraudulent accounts as I never consented to nor agreed to pay this alleged debt. I have attached all letters and FTC reports below.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

The mortgage is solely in my deceased husbands name. We are selling the house and title company has submitted all forms per state of Tennessee estate sale law. All heirs have signed and agreed to terms. 
Forms were sent on XX/XX/XXXX. Freedom mortgage continues to demand additional forms and deny having already received. They will not allow me, who is authorized to discuss account, or the title company to speak to a supervisor.
Product: Debt collection

I missed 1 payment and am going to pay it. It will be a week late. I know, ultimately my fault, but havent been late on a payment in a long time. It is only a {$25.00} missed payment. The company is comenity bank for my XXXX visa credit card. They have been calling non-stop, all day long. Today is Sunday XX/XX/XXXX and I have received 3 phone calls already, starting at XXXX, again at XXXX and another at XXXX XXXX This is when I am writing this complaint, so will update and keep record if more come throughout the day. This is ridiculous. I am only {$25.00} missed payment late, due to current situation and circumstances. They act like I am months behind the number of time they call. 3 times within basically a 90 minute time period. The number they call from is XXXX XXXX ) which says XXXX XXXX. This is borderline harassment. I understand they want their money but come on, for a {$25.00} missed payment, this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX {$730.00} reporting amount ( EXPERIAN ), XXXX XXXX {$730.00} reporting amount ( XXXX ) has violated my rights. I do NOT owe such debts. Original creditor ( XXXX XXXX XXXX ) has given verification of {$0.00} debt owed or in collections status. Please remove this debt and incorrect information immediately. 
Statue 15 U.S.C 1681 section 602A states I have the right to privacy.

Statue 15 U.S.C 1681 604A states.. a consumer reporting agency cant furnish a account without written instructions from the consumer.

I am the consumer and I do not give my permission to furnish information on my report at this time.
Product: Mortgage

I've been trying to get the auto payments accounting from Bank of America for months and this isn't the first time I've had problems with them. If you examine the attached screen shot, you will see 'misc payment ' twice in the month of XXXX and note that the XXXX payment draw isn't the same as the value in the amount due line and by a significant amount. BoA is unresponsive, at least in part, because I can't attach a screen shot and they keep 'misunderstanding ' my description of the problems. 

BoA bought this mortgage. I want to fire them. Please help. I've been paying mortgages for over 40 years and BoA caused more problems than the entire prior experience.
Product: Bank account or service

PNC Bank has manipulated our deposits and debits in order to charge us overdraft fees. We had a deposit that had not been credited to our account before the debits and it has caused our account to be overdrawn. If the overdraft fees were not added then we would not be overdrawn. The timing of the fees, the credits, and the debits is extremely shady and causing us more financial issues and it is creating a problem with our finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX PROPERTY OWNERS ) XXXX. Please remove ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This complaint to the CFPB is being submitted to request that Equifax, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my XXXX credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the XXXX Federal Trade Commission. XXXX ( FTC # )
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an incorrect charge on my Experian credit report. This charge was reported by XXXX XXXX card and has unjustly impacted my credit score. 

I did not receive a bill or notification by mail or email regarding this charge, and I was unaware of the small amount involved. The credit card in question was used only once, and I had no further transactions on it. Due to the lack of communication, I was not aware of the charge until it appeared on my credit report. 

Additionally, XXXX XXXX had a 90-day no pay policy in the past, which was not granted to me in this instance. There was no information provided on the bill, no updates sent to me, and no communication via mail or email. 

Given these circumstances, I am requesting that this charge be removed from my credit report. The delay in addressing the charge was not due to any neglect on my part but rather due to the unusual delay in the notification process. 

I seek your assistance in resolving this matter as it has significantly affected my credit score and, consequently, my financial well-being. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I was a customer with discover financial services. I believed my bill to be paid in full. Unbeknownst to me, there was a recurring charge that hit the credit card and went unpaid for 2 months. Discover Financial was sending electronic statements to my email which is inundated with junk mail but did not attempt to contact me otherwise. After the second missed payment, the company reported a negative report to the credit bureaus. I attempted to discuss with management in customers service that this was an oversight and requested a good will adjustment for first offense and the company refused. I believe this is punitive to consumers. This in no way is a reflection of my payment ability or my credit worthiness. I believe there should be some investigation into the practices around paperless billing especially given that consumers are becoming more and more overwhelmed with email campaigns.