23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Over 14 years ago my wife XXXX XXXX XXXX applied for a Capital One Credit Card. She was granted a {$6000.00} credit limit and when the card arrived there was an offer for an authorized user to have a card as well. We sent in for one for me and I received it a couple of weeks later. For all this time I have not been able to speak to any one about this account without my wife 's approval and it does not show up on my Capital One on line account. I recently discovered that Capital One is reporting this as a joint account. I called in and their records indicate this is a joint account. I asked for my name to be removed as I believe it is wrong to report an authorized user as a co-applicant. ( I have another account that I applied for that is just the opposite, I am the applicant and she is an authorized user that is being reported incorrectly, but I 'll get through this one first ). The only way they will not remove my name. The only way to get it corrected is to close the account and pay it off. This is unfair to XXXX who received the credit on her own and there has never been a missed payment. Also I am stuck in a debt I did not apply for. I believe their records have been modified over the years and are incorrect. I would ask for proof that I was a co-applicant and if they can not demonstrate this I want my name removed and the account to remain open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) in  regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit bureau ( TransUnion,  XXXX  and   XXXX   ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Product: Debt collection

I received my credit report and found an account from them that is not mine I have never had a card with them. It shows I owe {$500.00} I have never had an account with them I have no children. We had several people staying at our home so it could have been one of them or someone got my information off line I do not know. I contacted the credit bureau 's and they said my account was accurate and this was confirmed with the company. I have asked for proof of a signed application or contract and no one has anything. They can not show me because I never applied for an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXXXXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXXXXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries that I never approved of and obviously did not obtain credit for since XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

Upon reviewing my latest credit report, I found several accounts that appear fraudulent and were added without my consent.
Product: Debt collection

XXXX XXXX XXXX, XXXX, Date of Service : XX/XX/XXXX, Amount Due : {$820.00} Debt sent to Bureau Of Accounts Control for collection. 
Derogatory remark placed on my Consumer Credit Report. 

The {$820.00} bill in question is in reference to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a date of Injury XX/XX/XXXX and XXXX Case No. : XXXX. The carrier is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. : XXXX. 

Please note that under the law a bill is considered timely if it is sent within 90 days of the last day of the month in which treatment was rendered. Please note that any attempt to collect this debt through a collection agency from the claimant even should XXXX XXXX XXXX XXXX XXXX XXXX XXXX not pay is considered actionable under Section 13-f of the XXXX XXXX XXXX
Product: Credit reporting

Finally received my annual credit report from Equifax on XXXX XXXX. 
First request for my Equiifax credit report was made on XXXX XXXX. 
Equifax took over 5 months to respond to my request. 
This delay by Equifax is unacceptable.
Product: Checking or savings account

When i try to login to Citi app, i cant see my new opened checking and saving account. 
when i call them, them told me its locked but didnt give me any reason for that lock and they just stole my money.
Product: Debt collection

NOTICE TO CEASE AND DESIST ALL COLLECTION ACTIVITIES AND FALSE DEBT CLAIMS XXXX XXXX XXXX DOES NOT HAVE A CONTRACT WITH XXXX XXXX. NO SECURITY AGREEMENT IN WHICH XXXX XXXX IS A DEBTOR or AGREED TO BE A DEBTOR This is aggrevated identity theft as I did not authorize the sharing of my nonpublic information with a non affiliated 3rd party There was never any debt that existed to begin with this trust agreement has been XXXX XXXX since the trust agreement was created. Your false claim for a debt not owed may lead to Defamation in the Libel, irreparable harm. XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. SEE ATTACHED UCC 9-210 REQUEST
Product: Mortgage

In or around XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX sold my mortgage to MR. COPPER mortgage. 
My first mortgage payment was due in XX/XX/year>. My monthly mortgage payment is {$550.00}. I pay {$1200.00} per month. The additional payment is to be applied to principal. Every month my payment is processed as XXXX separate payments with each payment charged interest and the balance {$150.00} applied to principal. I have to call every month to have the payment applied properly. Every time I call they tell me the payment is not setup properly in their system and they will fix it. Last month a lady by the name of XXXX XXXX called to tell me the problem is now fixed but once again my XXXX payment was not processed properly. I have called several times and sent text messages to their online help center. They said the problem was resolved but it is not. They are the most incompetent mortgage company I have ever dealt with and in my opinion should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Experian and XXXX  to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I purchased furniture from XXXXXXXX XXXX and had to open a credit card to pay it back in installments. XXXX XXXX  employee gathered all the information and send it to the bank and opened a wells Fargo account at the end of the XXXX  year, after opening I realized they used my husband 's name under my social security. I called a couple of times to fix it but got no help every time they transferred to other customer care and ended up saying they could not help. 
I did not document all the phone calls but only once, which was my last call. 
On XX/XX/XXXX called on wells Fargo 's credit card helpline around XXXX XXXX, according to the customer care employee name XXXX employee ID XXXX, it was corrected on XX/XX/XXXX but it was not showing online banking. the online banking was still my husband 's name and as he was the owner I can not pay bills. XXXX transferred me to XXXX employee ID XXXX, he could not help as he was not able to pull the account information from his side. He transferred me to XXXX XXXX Employee ID XXXX and asked me to call on number XXXX because he was having trouble opening my account information. I called on that number around XXXX XXXX customer care employee name XXXX XXXX, refused to give me her employee ID and transferred me to her supervisor. SUpervisor 's name is XXXX ID XXXX, according to him the info from their end is correct but online banking was still under my husband 's name. He generated IT ticket number XXXX and told it should be resolved in 4 days and if not he does not know what to do. 

I also went to XXXX XXXX XXXX XXXX a couple of times, according to them they gave the correct information to the bank and now they can not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a target credit card and I called target and I was waiting on a fraud form to fill out and I never received it and the reps are rude to me and wouldnt close my account .. now I didnt make those payments on my accounts and I dont own a bank account Im a XXXX and living with my parents and the credit bureaus failed me and didnt take any actions to remove this account off my credit report with target {$790.00} balance that is currently reporting and I will keep fighting
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investment consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ( XXXX XXXX XXXX  ) ; XXXX ( XXXX Texas XXXX XXXX ) ; XXXX ( XXXX Texas XXXX XXXX ) ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ; Convergent Outsourcing ( XXXX  XXXX XXXX XXXX ) ; They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is to follow up just to rectify this matter that I am deeply concerned about the negative impact it is having on my financial standing. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. I expect a thorough investigation into why these fraudulent items continue to appear on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. I am asking for you help to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. The following items should be remove as soon as possible : The following items should be remove as soon as possible : XXXX XXXX XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2800.00} ; 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 Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$2800.00} ; 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 XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2023, I signed up for and established a transfer of {$10000.00} to Kraken, an online Cryptocurrency exchange, to buy XXXX. Kraken then took out {$140.00} from this sum as a transaction fee and converted the remainder into XXXX XXXX for a total of XXXX XXXX 

On XX/XX/XXXX and several times subsequently, I attempted to withdraw this cryptocurrency onto an offline secure wallet but the withdrawal was refused, and within hours I received notification that they would be closing my account with XXXX hours. I was told that I must re-convert the Cryptocurrency into US $ ( at my loss, if any ) and then they would send the remaining dollars in my account back to the original bank. They said this decision was being made for unnamed " security reasons '' and that for these same " security reasons '' they could not even give me more details. 

I am neither a felon nor a convicted criminal and there are no security reasons for wanting to close my account. I have written this to them several times and they simply answer over and over the same thing. 

Right now, Kraken has sold me goods, taken a transaction fee for selling these goods ( the cryptocurrency ) but has never allowed me to take possession of the goods in question since any withdrawal of this cryptocurrency was blocked. Since they have sold something to me without allowing me to take possession of it, and they now state they are closing my account, I have asked that if they continue to refuse to allow me to take possession of what they sold me, that they reimburse the totality of what I paid for the goods I never received. They continue to refuse to do so and have now given me an ultimatum of XXXX hours to do as they say!
Product: Vehicle loan or lease

Hi. I already filed a complaint, which has the following complaint number because it was supposed to have been " resolved '' by a prior complaint here, and OpenRoad Lending was supposed to send me a {$120.00} gift card to reimburse me for financial loses due to finance charges paid on a loan they forgot to fund. I got the gift card today and activated it and they " FORGOT '' to FUND THE CARD! So they forgot to fund my car loan, making me late with my original lender and costing me daily finance charges for 10 days to pay two car loans from two lenders on one car. And they rectified that by forgetting to fund the gift card to reimburse the 10 days of finance charges that they charged me for a loan I never had because they forgot to fund it. Is such a coincidence even possibly accidental? Here is my original complaint, which I reassert since it is entirely unresolved by this {$0.00} balance, UNFUNDED, gift card. XXXX.
Product: Credit card or prepaid card

Someone tried to open a Kohl 's credit card in my name on XX/XX/22 and XX/XX/22. They were caught by the credit bureau and nothing was charged, hopefully, but I'm still getting messages from XXXX about it. I contacted the company. on XX/XX/22. I called Kohl 's XXXX XXXX. They gave the investigation a fraud case # XXXX. I filed a report with the Police and the FTC, etc.
Product: Debt collection

The state of XXXX  is trying to collect on a dept dated XXXX over 12 years ago! This is not legally allowed based on our laws! thank you kindly for reaching out to me. I will do my best to refine my concerns on this issue here so it is very easy to follow. I want to say that I was responsible for paying {$3700.00} a month for 5 years straight and still pay for a 2nd mortgage on the side, child support and I was XXXX for 3 of those years because I had limited funds. Also I had about 5 jobs at the time to try and keep everything going. So to receive this letter from an issues back in XXXX ( 12 YEARS AGO ) is so crazy! You have to know how crazy this is! 
Next this law firm has a history of this to people. Lies to collect funds. 
1. The actual occurrence they claim happened was in the year of XXXX PERIOD! 
2. The federal bankruptcy court has released my deed to my house after the bankruptcy and sent a statement showing everything was completed in full so for this law firm to try and go against the federal government is not how this works. 
3. There is a statute of limitations on this they have went well past 4. They made up fees and interest I owe cant be true because nobody has said anything to me about this till three weeks ago. ( Attached are the forms show this ) 5. My lawyer who is my brother and advising me as a family member has state they have no legal right to come after me based on a XXXX incident! 
6. They went as far as to file a lien on my house Im asking for this to be lifted asap there is not legal grounds they can argue or code they can reference that allows them to collect on this incident back in XXXX especially when the Federal Government has already said everything was satisfied. ( They are trying to twist the occurrence and say it has to do with the bankruptcy and that ended in XXXX but the actual issue was XXXX not XXXX this twist is not legal or have grounds or true argument. If my phone bill is missed bill in XXXX and I still use the phone company they cant go back and make that same claim because I have their service still! ) There is not legal reference that was addressed in court that shows they have a right to do this! I know this for a fact and you must acknowledge this not brush it aside. I am prepared to file a case against them if I have to here that is how angered I am about this! 
7. Lastly I received a second aggressive letter from them that was phrased as if they were replying to my complaint and acting like you as the authority! This is not allow. Im appreciative that you have reached out to me and you must know I have filed a two different federal complaints about this and Im reaching out to bankruptcy court to report them too. I also will be calling the news and watch dog groups if it is needed. I refuse to be bullied any more about something that happened 12 years ago. 
Apologies in advance if my letter is aggressive but to be honest XXXX firm has pushed me way to hard with all this. 
Look forward to your response attached are the letter etc. 
Kind regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX & Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and permanently removed from my credit report. 
XXXX Accounts : XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$7800.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$220.00} XXXX XXXX XXXX - Account No. XXXX - Opened : XX/XX/XXXX - Balance : {$7800.00}
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 XXXX XXXX