23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I had a Banking relationship for XXXX  years with Citibank which included bank accounts and multiple credit cards. I always conducted my business with CITI in accordance with their stablished guidelines. To my surprise and without any warnings on XX/XX/2022 I received a letter from CITI advising they were closing all my accounts, I went to the branch to request information and they said that the only way to request information was writing to the company. I wrote them a letter asking for the reason and the only answer I got was that they reserved the right to close my accounts. I feel that I was treated unjustly and at least I deserve to get an explanation. I had no overdrafts, always paid my credit cards on time and I consider myself to be an honest person, the way they closed my accounts made me feel like a criminal, specially after calling the XXXX  number where an account specialist told me that it could be for several reasons including money laundering.
Product: Money transfer, virtual currency, or money service

On or around XXXX XXXX, my Google subscription was hacked. They were able to take over my Google account and virtually hack into my banking. Also, they were able to reset my phone. Because my account ( XXXX ) was changed they said I have no recourse. Everything I have is in that account and Google me to go around in circles while my banking is being pilfered ( {$250.00}. ) so far. Also, accounts are being opened in my nameXXXX XXXX XXXX XXXXXXXX XXXX, to name just a couple. My life has been absolutely turned upside down because of this.
Product: Credit reporting or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The account XXXX is showing on my credit report negatively impacting my credit the company has been unable to provide actual proof of contract of original debt nor produce 1099 proof of charge off I demand that pursuant to my rights under the FCRA Act that this be removed
Product: Debt collection

Ive reached out to Credit Collection Services for validation of this debt twice via certified Mail and three times via phone call still have not received a response. I havent received any notice of this debt before it was placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft. I pulled my background report through XXXX and discovered that I now have an alias that I was not aware of, which links back to a roommate that I had approximately four years back. There is also now a phone number and e-mail address that links me to my old roommate that I was not aware of. 

I have filed an identity theft complaint with the FTC, as well as XXXX 's free AIG identity theft insurance. I was able to place a credit freeze on my credit reports through XXXX and XXXX, however, Equifax is not allowing me to do so. 

I called them on XX/XX/2021 and tried to place a freeze on my report. What the agent informed me is that they want me to submit a request in writing that includes a cover letter, a copy of my ID, social security card and phone number before they will consider placing a freeze on my report. 

I tried to place a freeze online after speaking to the agent over the phone and Equifax will not allow me to place a freeze on my report. I am uploading a screenshot of what it said after I tried to initiate that freeze online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a freeze put on my 3 credit bureau reports in 2013. They are still in force. Some one impersonated me while enrolling in credit monitoring at Transunion. They had my social and date of birth information. They were asked questions that were generated by my credit and answered them correctly. ( I have seen some of these questions, which any 10 year old could figure out the answer. ) I would like to know why Transunion releases credit reports when there is a freeze in place? When I re-lease my car, I have to release the freeze to get approval, but anyone with a credit card could get a copy of report immediately? 

This makes no sense to me. Can you help me secure my credit reports?
Product: Credit reporting or other personal consumer reports

Im reaching out because there seems to be an issue with my personal information in your system, and its becoming a real concern. Its frustrating knowing that outdated or incorrect details might be affecting my credit report.
Product: Credit card

XX/XX/year> - Card opened at Home Depot in my name and used to make a purchase. 
XXXX - Recieved card in the mail. First time I was made aware of the card. Called Citibank to close the card. They were unable to disclose if any charges were made on it. I was told that if charges were made to call back to report they were fraudulent. 
XXXX Recieved a statement with charges. Called Citibank and reported again that the card was opened fraudulently. They stated they would open an investigation. 
XXXX Recieved word that the investigation found us responsible for the charges given we recieved the card at our address. 
XXXX- Called to figure out what additional information they needed to prove it was not me that opened the card. They stated a police report and filing the case with a Federal Bureau. I did and provided the police report. 
XXXX stated they did not reopen the investigation, but if I could provide proof that I was working at the time of the fraud they could reopen the investigation. 
XXXX sent call logs from my employer with time stamps of my calls. Deliver reciept stated they recieved the letter with the call logs. Calling in they stated they never recieved it. 
XXXX - Called in again to see if they had processed the letter and call logs. Again stated they never received it and provided an email address for submission. Several conversations had stated there is no digital means of providing information. Suddenly an email address was available. 
XXXX- Received a letter stating the investigation was completed and we are still responsible for the charges. This is despite my call log clearingly showing I was logged in and taking phone calls during the time of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day Sir/Ma Please save me from paxful.com unfair decision I got a message from paxful.com on the XXXX of XX/XX/2020 that my trading account has been frozen and it will take 365 days for them to complete their investigation. All my effort to know what my offense was proved abortive. i have XXXXbtc in my account with username name " XXXX ''. my account still remained frozen till date without any update from them. it is already more than 25months contrary to their 12months stated earlier.

My account is fully verified with my international passport and i also used my bank account statement to verify address. all efforts to reach them via email and social media handle proved abortive. 

i have asked them several times to tell me exactly while they put my account under investigation but no answer to my question till date. i have my business registered in XXXX. and i have all the necessary documents which i have forwarded to them via email. infact i have trading website XXXX 

i don't trade on paxful i only have account with them because some of my customers do request for paxful wallet due to their free internal transactions then. i.e paxful to paxful transaction was free. so when customers request for it i just gave it to the customer and once i received it, i will pay them local currency ( XXXX ). 

Please kindly Assist me
Product: Debt collection

Hello, My name is XXXX XXXX. I am writing to you guys because SEQUIUM ASSET SOLUTIONS is trying to collect a debt that I do not owe. They have never verified the debt with me and I have told them I am not responsible for this debt. They are inaccurately reporting this debt to my credit report which is stopping me from acquiring a house. Please have them remove the account from my credit report as soon as possible, if not I will have to result to pursue legal action. Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to Equifax credit reporting agency. My response from them was recently received in the mail with a response date of XX/XX/2021. They did not respond to my disputes within 30 days so they are required to delete all of the disputed accounts listed below, which were disputed on XX/XX/2021. 

Bankruptcy XXXX NCB 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 received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CO XXXX Balance : XXXX XXXX XXXXXXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022
Product: Debt collection

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two NJ CLASS HESSA loans that just appeared on my credit report the past year., and was not being reported until now.. My credit score has been drastically affected by this reporting. This loan is beyond the 7 year ruling for reporting and has no right being reported as a delinquent account. I was merely a co-signer and this loan goes back to XX/XX/2010. I have requested that these two debts be remove from my account.
Product: Debt collection

I told XXXX XXXX to stop collecting payments, but they continued.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, Inc. ) I got one. 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 measure 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 errors 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to XXXX, Transunion, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against XXXX, Transunion and XXXX they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...
Product: Credit reporting or other personal consumer reports

Been working to have XXXXXXXX XXXX remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.
Product: Credit card

My Citi Credit card account was closed by Citi. I don't have the exact date because this was unexpected. Here is the timeline of events as I know it, given dates are from my call log on my cell phone : My Citi card was locked from usage by citi and there was a notification that I needed to speak to a Citi representative. 

XX/XX/XXXX I called Citi to ask why my card was locked and they notified me they detected some type of fraudulent activity required me to verify information before they could send out a new card. I did what they asked and they assured me a new card would be sent XX/XX/XXXX I waited a few weeks and the new card still hadn't arrived. I called back to Citi to request information on the new card and if it had been sent. The representative notified me that the account had been closed by mistake and that no new card was sent for that reason. I asked about reopening it, she checked and notified me that too much time had passed since it closed and that I would have to reapply for a new account if I wished to keep a credit card with them. I inquired if that would require a new inquiry on my credit report and she confirmed that it would. I told her that I wasn't interested in doing that and that I would just forget about the account. 

Since then, I have tried to access the online app to see how much is owed and how much interest is applied, but I am locked out of the account. When I try to reset the password, it requires a citi credit card. However, I don't have one because they never sent me one. The old one was deactivated as well. Also, I lost my wallet so I don't even have the old physical card. 

XX/XX/XXXX : I call citi to see how I can access the account because I've been getting harassed nonstop by calls and messages from their call center about making a payment. The rep tells me they need my card number to access the account, I explain the situation and I get asked for the card number a few more times. He takes a few minutes to look through the account and says best he can do is send me the letter for the reason the account was closed. I ask what good will that letter do me? I'm calling so that I can access the account, I'm not asking for the line of credit to be reopened. 
I let him know that I will not be making payments until they fix this issue as this was a mistake that occurred on their end as that's what the rep in my XXXX phone call told me. I told them to have someone call me back when they have a solution because whoever I was talking to clearly couldn't help me.
Product: Debt collection

I work for a XXXX XXXX  in Massachusetts. During this so called pandemic our politicians have shut down the country. As a result my institution had a mandatory furlough that all employees had to do. At this time I had to collect unemployment for the time I was not working due to the pandemic. At the time that I had to furlough I applied for unemployment but did not receive any funds. As a result I fell behind on one of my credit card by 2 payments for Bank of America. My balance on the card was XXXX and on the third payment I put XXXX on the card, which is almost 50 % of the balance. I was told that my account was closed. As a result this was reported to the credit bureau which in turn affected the balances of my other cards such as my home depot card credit limit and thus my credit score. I asked if I could be given some consideration due to the fact that this was caused by the pandemic and the inability to work. I was told there was no accommodation for that. I still have not received my unemployment benefits for the time I was furloughed in XXXX for the furlough I did by the Massachusetts Unemployment Department. I have called over 30 times, along with my Governor, Senator and Congressman and nothing has been done. How do politicians close the country down and refuse to pay benefits then feel it's fair to destroy everyone 's credit in the process? This is absolutely disgusting that the taxpayers are periodically asked to bail the banks out but the banks have no consideration for the tax payers, this just reveals the level of corruption taking place.
Product: Mortgage

XX/XX/XXXX mortgage payment was not processed properly. I always send XXXX money orders in the same envelope by express mail. I sent XXXX money orders, {$500.00}, which they showed they received and {$680.00} to pay {$1100.00} XX/XX/XXXX2021 payment. The {$680.00} which they did not process, which was inside of the envelope. 

Mr. Cooper did process the {$500.00} but not the {$680.00}. I made my XXXX call on XXXX/XXXX/21 for them to investigate, I never received a call back. On XXXX/XXXX/21 when I called to inquire, I was told that everything was corrected and was showing that the account was up to date. On XXXX/XXXX/21 when I called to check for the XX/XX/XXXX2021 payment was processed correctly. Again I was told everything was done abd processed. When I asked if the fee that they charged for XXXX payment was reversed and credit information was corrected I was told no. At that point I asked to speak to a manager. Put on hold, waited for an hour and nobody ever came back on phone. I waited to get my next statement which arrived on XXXX/XXXX/21 to make my XXXX 1,2021 payment. On the statement it is showing that I am due for 2 months. 

XXXX/XXXX/21 called Mr. Cooper and they now say that the payment has been reversed back out and I need to send them documents. I said they should be able to pull documents from when they received this express package and documents in envelope. I asked to speak to a Manager and they would not transfer me to a manager or escalate to higher up.