23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird
Product: Credit reporting, credit repair services, or other personal consumer reports

This account report XX/XX/2021. Report number # XXXX. Account number XXXX company XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX. This account was open up fraudulent without my permission I was in the hospital and when I got out because I was sick with COVID-19 and found this out. I thought it was my account and paid it in full and I found out later I never had this account I really paid it off because it was reporting on my credit. So I paid it now its reporting as late and thats not my account so I will like to have this issue resolved
Product: Credit card

Refer to the documents attached ; I request the bureau to initiate an investigation into these accounts. I have never been late, yet they are reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to XXXX. I was effected by a late payout of unemployment money and stimulus payments. Capital One said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

Capital One is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt trying to get Equifax to fix errors on my report, they have failed to validate the debt at my request and how they are reporting information on me, and it is damaging my character, and they continue to report these errors. They have not supplied how they validated the debts in dispute, payment history isn't correct, as attached, and they have not provided proof, receipt copies, or letter copies but only a computer-generated confirmation by mail. On the attached files, it shows late payment as 0 's, but reporting lates, an available credit of - {$150.00} but charged off, and paid history isn't complete. 

Again please provide 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

4. Fix the above errors or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Is reporting a a collection to my credit profile. I have no clue who this company is. I never authorize them to have any of my information.. Ive never signed any contract with them. Ive never done any business with them.
Product: Consumer Loan

This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : CHASE AUTO I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.
Product: Credit reporting or other personal consumer reports

I received emails from US bank saying a CD and savings account were opened in my name, when I checked my True Identity account it showed there was an inquiry by US Bank. XXXX XX/XX/year>.
Product: Mortgage

My husband and I started the loan application in mid XXXX, and after several various request from Quicken Loans, and 3 1/2- 4 months later, were told that they had everything they need and that it was now in underwriting hands. Then after receiving that call, I received and email on XX/XX/XXXX, from XXXX XXXX stating On XXXX XXXX, 2020, at XXXX XXXX XXXX, XXXX XXXX wrote XXXX Hey XXXX, Hope all is well! 

Our underwriters are requesting one final document from you and XXXX. Could you please provide your XXXX bank statement for XXXX business once you receive it? 

Thank you so much! 

XXXX XXXX XXXX XXXX  Consultant The bank statement would not be available until XX/XX/XXXX, which I went to upload to the account they had assigned us, on XX/XX/XXXX on to find out they had automatically closed our account due to loan application duration. 
We were supposed to be awaiting a closing date. Not a closing of our application that was in the final stage of closing. 

This company has requested numerous time for the same things, which we gave to them over and over. 
The delay of this loan process was due to their ability to complete their process in a timely manner, not ours.
Product: Credit card or prepaid card

On XX/XX/2023 in the morning I called customer support to get updated when a transfer I mistakenly made to Wells Fargo credit card will be returned or reversed in Wells Fargo speak. I was told it was being " reviewed ''. I asked to be transferred to whom ever was " reviewing '' my case. There I was told my case was being handled by, XXXX and she was in a meeting. I asked for a number to contact XXXX at if for some reason she didn't get the message. The number given me was, XXXX - XXXX - XXXX. When dialed, a recording states the number is a non working number. Seems that the ability and need to lie is ingrained in this company 's culture. 

Thank you CFPB for being there and doing what the name says, Protecting Consumers. 

XXXX
Product: Prepaid card

On XX/XX/year>, I attempted to add a debit card, issued by my bank XXXX XXXX, to my American Express XXXX account, for the purposes of loading funds to the XXXX  account. I successfully completed verification of the debit card via two trial deposits in the amount of {$1.00} and {$1.00}. At that point, I received every indication that from the XXXX online portal that the necessary steps had been taken to proceed with loading funds from this debit card and the XXXX XXXX account was sufficiently funded with the amount of funds I wished to load. I attempted to load {$2.00} as a test amount, which was declined by the Amex XXXX XXXX 

A short time later, I received XXXX emails from American Express, stating that my XXXX account and XXXX account had been locked and that I was to call a stated customer service number to resolve the issue. I called that number and was told by the customer service agent that the card had been locked by American Express due to a denial of funds, which they claim is a violation on my part of the account agreement. I explained the above steps and asked that access to my account be restored. They declined to do so or take any further steps to assist me and instead instructed me to write a letter and mail to a XXXX XXXX in XXXX. They said I should ask for the reasons why the account was locked. The agent then simply repeated this instruction despite any attempt on my part to clarify that I wanted access restored and was not seeking additional information regarding the reasons for the action Amex had taken. Indeed I was simply carrying out what I had been requested to do in the emails from Amex earlier described. 

After attempting in multiple ways to describe that I wanted access restored, and multiple generic responses on the part of the agent that I should write the letter seeking reasons for the locking, I gave up and ended the call with no resolution. 

Amex is currently holding funds in my XXXX account to which I have no access and no timeline or procedure outlined for when I may even have access restored. It is absurd that a customer can engage in good faith with the features of the product, in this case to load funds to the prepaid card from a bank issued debit card, and then have the account access suspended in this manner with essentially no support provided.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX. I went to First Horizon Bank located at XXXX XXXX XXXX XXXX in XXXX TN. I attempted to make a deposit into my personal checking account using the drive up window but I was instructed by the teller XXXX to come into the bank. 

The teller XXXX stated First Horizon bank was going to place a hold on my SBA loan in the sum of XXXX. She stated that SBA funds could not be released into a personal account. I asked what could I do to clear the matter and I asked if I could open a business account to resolve the matter. XXXX stated the funds couldn't be turned over into a business account but I could still open a business account with an additional XXXX dollars. She also stated that even after submitting the necessary paperwork the funds still wouldn't be released for another 7 to 10 business days because of the hold on my account. 

I was instructed to come in with my : XXXX Tax Return along with XXXX XXXX, EIN number and a business license to be able to retrieve my own loan that was already approved by SBA 's rigorous approval process. 

This is an unreasonable requirement. The CARES Act that set up the loan program says you must be in business before XX/XX/XXXX. It doesnt say that you must have a separate business account before that date. The federal CARES Act does not require you to have a business account to be able to receive SBA loan money in your account. Self employed people are not required to have such an account. The bank can accept my deposit under federal law without a business account and there is no justifiable reason for them to hold my loan for an additional 7 to 10 business days. Also, you don't need a business license to open up a business account as a XXXX XXXX so why would I be asked to show a business license to gain access to funds that have already distributed to me directly from the SBA? First Horizon did not disburse the loan. 

A DBA name is not required by the federal law and it is not required by law if you use your own name as a XXXX XXXX. For the bank to require an EIN and a Business license to gain access to funds that have already been approved and released by the SBA is unreasonable and unnecessary. A DBA name doesnt make you more of a business. I am XXXX XXXX and I am a XXXX XXXX. I am legally able to use my social and my EIN to conduct business. Providing an EIN and a business license to be able to gain access to my own funds to further my business is deceptive and unethical. Holding my funds for an additional 7 to 10 business days after I have to show additional unnecessary documentation is also deceptive and unethical First Horizon has a history of discriminatory practicing and this bank needs to be investigated and fined.
Product: Credit card or prepaid card

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One  is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
Product: Credit card

On XX/XX/XXXXXXXX XXXX capitol one initiated a withdrawal from my personal bank account in a non affiliated bank. This is the second time this has happened. The amount was for XXXX dollars to cover a late payment but I did not initiate the payment or authorized in any form. They just took the money out without authorization.
Product: Credit reporting or other personal consumer reports

I took out a " loan ' from a credit building company Self financial to rebuild my credit. Since joining them my overall credit score has went up as they have told me However My score does not reflect them as a whole. It reflects other credit building apps and credit repair I have done. Every time my credit does take a ding and goes down in points, the credit monitoring services sends me notice that it's because of the self financial products. I've attached a couple emails to show. They have to be reporting something wrong because I have paid every one of my payments on time and before it was due. I have the loan and I have a self-building credit card. It's actually our money we're putting into an account that they charge us interest for using and then they charge you money for the card? It's our money? They also have changed banks one other time during my short time with them so I'm one 's credit report it looks like you have closed out that bank and started another one and then your age of your account goes down. I also meant to pay the credit card off in full and then they applied it to the loan therefore I had to pay another full amount of the credit card to pay the credit card off It's actually self-building credit card. They would not credit me for this I'm on a fixed income that's a lot of money for someone and if they aren't on fixed income. I had to pay for their mistake. This company needs to be investigated to its fullest I have tried to communicate with upper management. I go to reply to the emails they send me and it goes to a non-monitored email so I'm unable to get an email to them. I would like my credit report to reflect my payment history with them and not this frivolous stuff that causes my credit score to go down see attachments
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the fourth time. 

Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship. 

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

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX  XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX