23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Today, I learned that Capital One has 2 accounts under my social security number. I only applied once for my credit card. I assumed it was still the same. But today I learned that the original ( XXXX ) account that I have isnt the original account. It was closed. Capital One never informed me about this change! Ive contacted them several times, before these ridiculous interest rates went into place, asking for help lowering my interest rates. NOT once could I get any assistance from Capital One! Yet here it is, theyre benefiting, ripping off consumers with every new interest rate increase! NOT to mention they provided NO assistance nor gave any information about changing my original account! But Capital One is quick to charge more, close, and have records of XXXX accounts on their books for the only account that I created with them. Having me only learn about their deceptions by inquiring again about Capital One, over inflated interest rate charges for balances being paid prior to the constant interest rates hikes by the federal government. All are a bunch of thieves! Let all the banks collapse! I was informed also by the operator that they closed the original ( Sparks ) account and started the account I assumed was the original one I am still paying off. Operator also said that according to the original documents I agreed too, Im being held to those and their terms, while Capital One is above any laws the ordinary consumer knows anything about! I asked for help, got nothing!!!! Told NO! NOTHING about any of the changes mentioned either!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to Transunion, regarding the XXXX XXXX account listed on my credit report contain inaccurate information. The last dispute was submitted on XX/XX/XXXX. I will attach a copy of the letter with this complaint, in that dispute I advised that my Transunion report upon auditing the creditor is reporting : XXXX. A status of 120 days past due, while on my Transunion they are reporting a status of 180 days past due. How can I be 180 days and 120 days past due? Why are they vastly different? I also advised that XXXX. The same creditor XXXX XXXX is also again reporting on my XXXX report a balance of {$23000.00} while on my Transunion report shown below, they are reporting a balance of {$31000.00}. Why are they vastly different? I provide screenshots from both credit reports in my dispute letter. Today on XX/XX/XXXX I received notification from Transunion that the account will " remain as the the company that reported the information has certified to Transunion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Per the FCRA not every credit report has to contain every account however if the account is reporting to more than XXXX bureau then all information must be the same. XXXX has once again disregard the plain black and white information provided that shows in plain site that the creditor is reporting different information to different bureaus. This is a violation of my FCRA rights. I also included in both letters that vehicle solution sold the vehicle since XXXX of XXXX and if my last payment was in XXXX of XXXX. How can the account still reflect a 180 days past due with XXXX and XXXX past due with Transunion. I will attach all information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion Credit Report Bureau, asking TransUnion to remove the following Hard inquiries from my credit report : 1 ) XXXX  On : XX/XX/XXXX 2 ) XXXX On : XX/XX/XXXX 3 ) XXXX  XXXX On : XX/XX/XXXX 4 ) XXXX XXXX XXXX  On : XX/XX/XXXX 5 ) XXXX  XXXX On : XX/XX/XXXX 6 ) XXXX On XX/XX/XXXX I told TransUnion above companies were not authorized by me and for TransUnion to remove inquires or provide proof of a written documentation showing I authorize it. TransUnion responded today ( XX/XX/XXXX ) with a letter stating " Your written authorization may not be  required to constitute permissible purpose '' and to contact the creditor directly. See attached TransUnion Letter.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My employer is : XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have unauthorized INQUIRIES on my credit report.
Product: Credit card or prepaid card

Hello,

This fraud took place between XX/XX/18to XX/XX/18.

The amounts total approx XXXX.

I filed a police report as per the bank's request.

Spoke with over 10 Citizens Bank reps over the phone, never get the same rep. Never received any reply from Citizens Bank.

I also sent the police report to the corporate office in XXXX, RI. And hand-delivered to the XXXX RI branch where the account was opened.

Please read below on how I arrived at filing a complaint with your firm.

What other resources do I have when my bank won't refund my money on a fraud case?

Had an ex-employee steal my business debit card and in the approx amount of  $19k  and he ran to Florida. 

My employee was working in my company while I was XXXX  for a violation in Rhode Island. He was NOT in charge of the bank account and had no concent to use my personal business account. 

I wrote a statement with the State Troopers and I feel because of my record they are not vigorously investigating my case. Then, went to my bank. 

Last I knew all victims have equal rights! 

Anyways, I have been back and forth with Citizens Bank in Rhode Island and even tho I have extenuating circumstance ( XXXX  ) and have all my paperwork showing I was XXXX XXXX during the time of this fraud they are now using the excuse I was over 60 days on reporting this fraud. 

I guess its a rule the bank has, fraud must be reported within 60 days. I never even knew about the fraud until I was XXXX My real question is, what can I do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 TransUnion received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act. 

I up to this date have not heard any response from them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX Equifax - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX
Product: Mortgage

Selene Finance has not issued my tax documents for 2024 ( form 1098 for mortgage interest exceeding {$600.00} ). 
Additionally, No tax documents are available in my online portal. When I called, I was told that they are behind on getting out forms and was able to get amounts for the year told to me by a person, but no documentation. However the amounts are conflicting ( that is the amounts on the final mortgage statement for the year are different from amounts listed in the portal and the amounts told to me by a representative. Furthermore, there are still no tax documents to verify correct amounts to file taxes. When I asked when documents would be available in the portal or sent by mail, I was told they did not have that information. 

I would like to report the company Selene Finance for failing to provide mandatory consumer tax documents.
Product: Payday loan, title loan, personal loan, or advance loan

Putting in claim for onemain financial for non deceptive sales practices and and not giving full disclosure for installment loan
Product: Credit reporting

All of the medical on my credit report should not be there I have spoken with each individual who placed them on my report and they agreed that their billing department did not send my balances through my secondary insurance which they have since done and I owe them nothing now, they admitted they made the mistake so I would like any and all of my medical reports taken off my credit report. XXXX already removed them from their site Equifax has not done so yet which is impacting my credit report
Product: Credit card or prepaid card

Capitol one bank is denying me a SECURED credit card without paystubs. I put im unemployed and they said they need to verify pay stubs. I uploaded my bank statements .according to them, they have to verify my annual income in order to receive a secured card .this is another attempt by creditors to diminish my name.my first secured card is in good standing with no issue. Now they literally are asking for something thats not standard practice for a secured card. Also wan na get my child a secured card, does he need pay stubs also or is it just a person to person basis ..? If so, what basis, are minorities able to properly utilize credit or are we gon na be systematically roadblocked. I attached my application ' and the response from capital one. I can also prove that people of other races don't have this issue getting a secured card.i have plenty of associates fromdifferent walks of life and around the world, that would never experience this type of discrimination trying to build credit this is a urban issue that will be legally addressed .if I have to file a suit to prove I'm being targeted and discriminated against, I will have people from all walks of life on my behalf to prove my statements to be 100 percent true..I will rightfully prove only urban person would have this issue
Product: Debt collection

Please see the attached validation of debt letter that was sent certified mail to United Revenue Corp on XX/XX/209 requesting validation that this debt belonged to me, specifically a document with my signature on it. The last name on the letter they provided is not my last name. Furthermore, the letter, which I have also attached, does not provide any information ( a document with my signature ) or proves this debt belongs to me.
Product: Debt collection

My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

XXXX XXXX XXXX  XXXX XXXX A {$680.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Opened : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX a checking account was opened with Citizens Bank in XXXX, XXXX. On the checking account we added XXXX names-XXXX ( father ), XXXX ( mother ), XXXX ( daughter ) and XXXX ( son ). Our daughter and son were at college so we thought it would be best to have them on the account so that they can use it for their needs. My wife in I then opened a savings account with Citizens Bank on or about XX/XX/XXXX. Since we were going to begin getting gas royalties checks. However, since Citizens Bank has a policy that charges you for making so many savings transfers to checking we decided to close the savings account on our own on or about XX/XX/XXXX. We used the bank like we would use any other bank, made deposits and made withdrawals. Never having any overdrafts or other banking issues with Citizens. Then for some unseen reason we get a letter in the mail from Citizens Bank that you have 10 days to change your banking services that Citizens Bank was closing our checking account on or about XX/XX/XXXX. We contacted the proper area within the Citizens Banking ladder and were told, " We do not have to give you a reason for closing your account ''. End of conversation! We thought alright not a problem we opened an account with a local savings and loan in our community. All is well correct, wrong! My daughter ( XXXX ) graduates from XXXX XXXX and needs to open a checking account with a bank that will be close to XXXX, XXXX where XXXX will be doing a 24 month XXXX. My wife and XXXX go to the local XXXX XXXX to open an account only to be denied since my daughters name appears on the, " XXXX XXXX '' consumer report. Not only does my daughters name appear on the account, my son XXXX, my wife XXXX, and I, XXXX all have a consumer report from XXXX XXXX ( Citizens Bank ). Attached you will see my daughters and my wifes XXXX XXXX  file disclosure. There is no reason stated on the report and the files have been purged, so there is not even a record as to why the checking account was closed. We made contacts to XXXX XXXX and Citizens Bank-XXXX XXXX from the Office of the Chairman on about XX/XX/XXXX. We have been in contact with both companies since XX/XX/XXXX numerous times to get this resolved, nothing have been resolved at this time. This is causing my family embarrassment and pain. We are informed that this so called consumer report stays on our record for 7 years and we have done nothing wrong based on the report itself and as banking consumers. This bank ( Citizens Bank ) has ruined my familys credibility with all banks and making it very hard for my XXXX children to establish a banking account on their own as adults. I can not settle for nothing more than all XXXX of our names removed from XXXX XXXX immediately. Citizens Bank has the authority to remove all of our names and refused to do so to date.
Product: Credit reporting

I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there - one of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my info When I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put two and two together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theft When I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a rejection letter from One Main Financial for a loan that I did not apply for. I have not applied for any loan from any company and would like to know why that is on my report as a hard inquiry.
Product: Debt collection

I am receiving debt collection emails from this company in which i did not sign a contract with.
Product: Money transfer, virtual currency, or money service

Dear CFPB I used a company to manage my property in XXXX XXXX. With my permission I told the owner to open a PayPal account to receive payments from XXXX XXXX. Because she was managing the account, she used our both information to open the account with my permission. Little did we know this will turn into a nightmare for both of us. 

For 4 years Paypal has been holding on to my money, I was not able to get into the account because we could not remember the password. After much looking, we finally were able to get into the account. I went in and tried to send the money to my bank card and it was denied, I tried to send to my bank account it was denied. 

I was able to pay the property manger {$500.00} dollars, except she found out that Paypal took out the money from her account, instead of depositing money to her account. I wrote to pay 27 times to get help, they kept on locking me out and requesting that I upload documents. Last week I uploaded documents and still have not heard from them. Attach you will see the request for documents and you would see the documents were uploaded. I've been working with my property manager to reach someone at Paypal and we can not get help from Paypal. I kept writing to them and they kept giving me all sought of responses making no sense. 

The property manger XXXX XXXX was able to reach out to Paypal attorney on XXXX, who responded with her email address and asked me to write to her, I sent her 10 emails and she never acknowledge one. Sent to this email address she XXXX I am requesting your help in getting my money, I hate this company and I hate what it's done to me. I am a XXXX XXXX in XXXX, If I was a XXXX person Paypal would never have done this. One day on the phone the agent told me that this sounds like fraud. 
I am a very accomplished XXXX in XXXX XXXX. If I was committing fraud, it would not be trying to collect {$7500.00} from Paypal, I would be looking for millions of dollars. What a XXXX thing to tell someone in the climate we are in. Attach is my Id and social security number for proof it's me. 

I will never used Paypal again, And yes I want you to published this and send to the FTC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting that the following accounts are mine when they are not. They do not allow you to re-dispute which is against the law. They clearly are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Acount # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!