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

On XX/XX/XXXX I was alerted of a hard inquiry on my credit report by XXXX. TD bank, a bank that I do not conduct business with, had received a request for a credit card with all my information without my knowledge or consent. I reached out to TD bank on XX/XX/XXXX and they said they could not find any account open under my name. I contacted XXXX and requested for the hard inquiry to be removed from my credit history and an alert of identity theft. On XX/XX/23 I receive at my home address a credit card from TD bank with a {$15000.00} credit limit. I reached out to them again and reported this as fraudulent and requested to close and remove the hard inquiry from my credit. They were very unhelpful and refused to provide me any information on how they obtained my social security number, personal information and consent to pull my credit and open an account under my name.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove inquiries never authorized by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below that were never authorized by me : Affirm XXXX vacations handle by XXXX XXXX XXXX for the amount of {$760.00} XXXX XXXX. XXXX XXXX XXXX XXXX handle by XXXX XXXX XXXX for the amount of {$2200.00} XXXX XXXX. handle by XXXX XXXX XXXX for the amount of {$3500.00} XXXX XXXX. handle by XXXX XXXX XXXX by the amount of {$1100.00} XXXX handle by XXXX XXXX for the amount of {$5300.00} XXXX FIRST ELECTRONIC BANK handle by XXXX for the amount of {$3300.00}
Product: Checking or savings account

I am trying to order the cash app card, but it seems my ssn number or my ID has been blocked, which is why I can't order a cash app card. I was going thru a dispute process in 2023, verified my identity, but was hit with an email stating verification was failed. And I wasn't allowed to try again, ever since I have not been able to get my cash app card ordered at all. I lost my old card in 2023 at an airport, and I began noticing charges on my account that were not authorized by me. Cash App treated me horrible in the process of me trying to recover my money, and gave me no information regarding my blocked information. I was also doing a lot of traveling at that time, and it slipped out of my wallet. I want my SSN and ID unblocked or un-flagged. Please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to use experian again to boost my credit score.It boosted my credit score but decreased by 24 points on XX/XX/2020..
Product: Bank account or service

I have purchased several ebay gift cards over the course of the past two months through paypal digital gifts. These gift cards are supposed to be usable at ebay, unfortunately when I go to check out I get a message saying " Something went wrong. Please try to check out again. '' error XXXX. Everytime I make another attempt it gives me the same error. I have called ebay, they tell me it 's paypal, paypal tells me it 's ebay. Then ebay tells me it 's a security issue and ca n't provide me with any further information, then they tell me their executive department will get back to me and that never happened. I 'm at a loss of what to do. No one at either Ebay or paypal seems to know what the real issue is or why their own gift cards will not work ... At one point they even sent me to Ebay XXXX? I do n't live in XXXX I live in the U.S. It would be one thing if they could tell me the issue and give me options, however they refuse to do anything and the problem persists today.. Any other normal business would address this issue, however Ebay has a monopoly over this market, and forces everyone to use Paypal even if your using their gift cards?
Product: Payday loan, title loan, personal loan, or advance loan

I was denied the loan. Said that I was a covered borrower. I have several in the XXXX XXXX XXXX, from XXXX, to XXXX. I have never seen war time, never XXXX XXXX, or fit any of the descriptions, that would disqualify me for a title loan at TitleMax. I have never had this happened. I am not a covered borrower by any military affiliate, or anything else. Please resolve this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

Knights Adjustment Bureau ( KAB ) - I contacted Knights adjustment Bureau on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. KAB proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as KAB continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and XXXX   shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
Product: Checking or savings account

Realized I have a negative balance of almost XXXX dollars. It is impossible. I will not pay this, and it already went into collections... There are other things the bank should have done like deny the transaction, or contact me.. despite that they just went on, accumulating fees which are not reasonable.. now my credit score is messed up.
Product: Bank account or service

attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert from my XXXX monitoring service XXXX that Equifax was reporting hard inquiries on my Equifax report. I tried every means I could find with Equifax to resolve the problem. Equifax refused to display my report online ( ordered mail ) and all phone numbers and web links were inoperative. Viewing my Equifax report through my XXXX monitoring service shows a large number of " hard inquiries '' on Equifax entered on XXXX -- more than a dozen. Because these represent the possibility of accounts being opened in my name, I am trying to dispute the inquiries which I did not make. But Equifax is totally unreachable by telephone or Internet. I am VERY concerned and turning to CFPB for help. How can Equifax continue to put out my information, but be totally unavailable to account for their action.
Product: Debt collection

lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only come back and it be gone ever since I haven't had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
Product: Checking or savings account

I am XXXX of the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
I have full XXXX XXXX XXXX XXXX XXXX XXXX  at CIT bank. 

CIT bank, specifically : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX : ( XXXX ) XXXX T : ( XXXX ) XXXX ext. XXXX F : ( XXXX ) XXXX Corporate Office XXXX XXXX XXXX XXXX XXXX, AZ XXXX and, XXXX the bank refuses to release our funds in both a checking and savings account, approximately XXXX. 

additionally, i have requested multiple times to receive copies of all cancelled checks, detail on all transfers, detail on all XXXX payments, and the bank refuses to supply these records even though they are required to keep these records. I can not imagine that it is legal for a bank to withhold our funds, and withhold our records from an authorized signer on the accounts. 

The bank has opened the account under the name " XXXX XXXX XXXX '' while using the XXXX XXXX XXXX XXXX XXXX XXXX. According to the bank, all of the associations they bank are set up this way. this leaves the Management Company, who according to the bank has sole access to all association accounts, the ability to transfer monies in and out, at the management companies sole discretion, with no oversight from the associations. This opens the question of could these accounts be used for nefarious activities, money laundering etc. 

According to the bank, as well as XXXX XXXX, I am the only board member ( out of XXXX communities ) XXXX XXXX XXXX XXXX XXXX to any association account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXXXXXX XXXX on my credit report. That account does not belong to me
Product: Debt collection

On XX/XX/2018 i sent a certified letter thru USPS to BullCity Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX requesting validation of an alleged debt in the amount of {$1100.00} that they are reporting on my credit profile. The certified letter was received on XX/XX/2018 at their reception desk per USPS tracking number  XXXX and as of today XX/XX/2018 I have not received the requested information and the derogatory item still remains on my credit report. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my credit worthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, i have the right to dispute their claim and request validation of the alleged debt. I also understand that under law they have 30 days from receipt of the letter to verify this item, and that failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that i sent to BullCity Financial SolutionXXXX requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
Product: Debt collection

Received a call from a man stating he was with Spotloan.com about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is BlueChip Financial and not even licensed. They need to be stopped!!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 

ACCOUNTS/ INQUIRIES/ COLLECTIONS/ ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was CITICARDS CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account due to XXXX pandemic. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to exquifax, XXXX and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you
Product: Debt collection

XXXX XXXX XXXX has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday
Product: Debt collection

I was never notified by ProCollect nor XXXX XXXX XXXXXXXX XXXX that an adverse action was taken against me. I found out about the adverse action upon checking my credit report. 
This debt should not be ok my credit file. I was a XXXX XXXX XXXX XXXX which legally entitled me to be removed from the lease. I reported this issue to the property manager at XXXX XXXX XXXX in XXXX of XXXX and was advised to provide my divorce decree. I handed her the document. 
Upon checking my credit report in XX/XX/XXXX, I discovered that this charge was on my credit file, the manger neglected to remove my name from the lease. I have contacted both XXXX XXXX XXXX and ProCollect several times. Many times, my calls have not been returned from XXXX XXXX XXXX. The last time that I contacted ProCollect concerning this issue was XX/XX/XXXX. 
I have police records reporting XXXX XXXX, the divorce decree, and the lease to where I was actually living at the time that this debt occurred, which was XXXX of XXXX. 
My ex husband, XXXX XXXX was living there without me during the time that this debt occurred. Additionally he changes the locks and only XXXX XXXX XXXX and XXXX XXXX had a copy of the key. I had no access to the property. This is noted in the police record from XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. XXXX writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the collections section of my credit report. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. Thank you. 

XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX {$510.00} Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX {$2200.00} Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX {$2200.00} Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX {$190.00} Please remove these accounts and inquiries from my credit report immediately.
Product: Checking or savings account

I opended a checking account with bank of america account number ending in XXXX last year some day in XXXX or XXXX. Because I received a offer like if I maintained XXXX dollars for XXXX, and, After opening the account, I contacted the bank multiple times to confirm whether I met the requirements for the account opening bonus, and whether the bonus would be credited to my account on time. 
Even during a phone inquiry on XX/XX/XXXX, the BOA customer service representative still assured me that as long as I maintained the account balance through XX/XX/XXXX, I would be eligible to receive the {$500.00} account opening bonus. 
However, when I contacted BOA customer service again today, I was told that the previous representatives had misled me, and that my account was never enrolled in any sign-up bonus.
Product: Mortgage

The end of XXXX, 2021 I got XXXX and had to miss work. I contacted the company at some point and explained to them that I was going to have an issue getting my mortgage for the month paid and asked if there was something we could do so that I would not get behind, ( such as apply the payments to the end of the mortgage ) I was told that they had something that could help me, and forwarded me to another department. When talking to this lady, she asked questions and I was feeling confident that we could get this worked out, and she told me that because I didn't lose my job I wouldn't qualify. I didn't have vacation or sick days, so I wasn't paid while I was out sick. I sold items to get the money to get caught up. my payments are due on the XXXX of each month, and I only get paid once a month on the XXXX. I was told that as long as the payments were paid by the XXXX of each month I would be good. Most of the time my pay checks are in my account by then and I can get it paid. I contacted the company after my first late fee and discussed getting it taken off and was told that because I was not caught up they couldn't take it off. I have contacted Benchmark on many occasions trying to avoid messing with my credit. I am a veteran, I am doing my best to get caught up. Being in the hospital and trying to recover and pay what bills I can. I realize that yes, I did pay late, but I called and tried to stop the negative remarks on my credit. I have worked hard to keep my cred it decent and the negative report of my being late twice is impacting my credit score. the loan is Benchmark, # XXXX