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

XXXX XXXX XXXXXXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNUON, EQUIFAX AND TRANSUNION credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$5000.00}, another account opened with XXXX XXXX opened on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$2000.00}. An account opened with XXXXXXXX XXXXK on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$1900.00}. An Account opened with XXXX XXXX on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$1700.00}. An Account opened with XXXX on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$1500.00}. and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit card or prepaid card

How did this happen? Let me start on XX/XX/2022. On that date, I called the credit card payment phone number to make a payment on the XXXX card during which I received a payment confirmation number : XXXX. 
On XX/XX/2022, I called the payment center again to make a payment on the XXXX card. This time I was transferred to a male agent and told him that I was making a payment of {$120.00} on card ending in XXXX whose due date was XX/XX/2022. The agent processed the payment but I did not receive a confirmation number as before. I ended the call believing my payment had been properly made. 
On XX/XX/2022, I received a letter the Collections Department claiming that my account XXXX was past due. I had had not looked at my new statement at that time so I was unaware of the discrepancy. My statement for the XXXX card showed that the {$120.00} payment was placed on that card and not on the XXXX card as I had instructed the agent to do. 
I called the Online Service Center that day and talked to a female agent and explained what had happened to my account and requested that she correct the incompetence of the previous agent. She told me that she could not correct the error but that she would notify the appropriate department about the mix-up. To this date, I have heard nothing about correcting the mistake which I believe should be very simple to do.
Product: Credit card or prepaid card

I applied for a credit card and SBA and was declined for negative credit history. I discovered a Capital One credit card account was opened in my name fraudulently in 2018 and I began the process to dispute the account. I received a letter from Capital One stating the credit account was verified as valued due to a matching former address. Capital One never looked into the cellphone number, the original information used to open the account, the police report filed, and the payment source used to make payments to find the person behind the account. Capital One told me to ask for a letter from the Post Office to verify I did not live there in 2018 and then refused to research the other information they had on the account. Capital One also asked me to confront the accused party of fraud, which is not lawful and ethical. Capital One refuses to act on this fraud case and has maintained I am responsible for a debt I did not create. It is impeding my ability to obtain credit or move further professionally.
Product: Credit reporting or other personal consumer reports

I took out what I thought was a furniture loan only to realize that I rented furniture On my credit report, it shows as loan, but I was being charged biweekly rental fees at A near 100 % markup The store I purchased from acknowledged that they are not a rental store, They also stated that they do not pick up furniture after youre done, renting or leasing because I took out a loan My contract appears to be structured as a lease or rental I struggle to pay this account because the payments were biweekly. My loan was for almost {$700.00} but the total contract price was over {$2000.00} It stated that it is a lease not alone Out of desperation, I agreed to settle with the creditor, but they left it on my credit report as a charge off and settled account because I didnt know what to do I didnt understand the terms of the contract when I initially took the loan out I have come to learned that the consumer financial protection bureau has filed a lawsuit against ACIMA For this exact reason Im requesting that the record be removed from my credit report has it has caused sufficient damage on my credit report I have a XXXX and I am unable to effectively rent an apartment on my own This is caused me to struggle finding housing.
Product: Checking or savings account

Wells fargo bank closed my checking account for no reason on the XXXX of XX/XX/2022. I have an available balance of over {$11000.00} that was left in the account. I was told a cashiers check of the balance will be mailed out to me upon closure. However the bank have turned around and kept my funds without Justification. This is illegal and and unjust and i want no further relationship with wells fargo .I simply want the balnce of my funds
Product: Credit card or prepaid card

Capitalone XXXX XXXX XXXX XXXX All these credit card companies are stating that my payments in 2018. Were late and on my credit report its showing 30 days late. I called and disputed these allegations and no resolution. 
A little background information started a program through credit counseling in XX/XX/2018 because I wanted to lower my interest rate and continue making my payments to payoff my creditors with good faith. Before this date I was never late on my credit cards.
Product: Checking or savings account

Today I was called by the fraud department at fifth third by a woman named XXXX. She said that if I didnt show that I had a small business within 15 days, theyd close my account in 35 days. I told her that I got the deposit to the same account I got my taxes and that my small business was not a banking concern. We ended the call and then, when I went to look at my account I saw that my balance was - $ XXXX dollars. I called the same number that called me and I was told there was a freeze on my account that XXXX NEVER told me about. I went to the branch and I had to wait for a banker and two women lectured me about the sba grants and how I would be in trouble. Neither of these women know me personally or have access to my tax records. This is not the first time Ive had an issue so I decided to leave this bank. I had an incident at XXXX time where my grandpa wrote me a check and I tried to deposit it at an atm. I was sent a letter an email stating that their vendor said the check could not be deposited. I had to wait almost 2 weeks and I was told by numerous people that was a normal wait time for a check deposit at an atm. Im so over fifth third, they are terrible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PIN OAK PARK XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept it!
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, CashApp 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 Electronic Fund Transfer Act ( ETFA ) and regulation E. These actions have caused significant inconveinence and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Experian credit reporting services is showing an address on my credit report of : XXXX XXXX XXXX, FL XXXX that is not mine. 
I have a credit Freeze on my account and this address was added after Freeze was in place without any verification or consent from me. Experian is very difficult to contact online and the phone number they provided does not answer or resolve any attempt to contact them. 
Please help correcting the issue with this company.
Product: Payday loan, title loan, or personal loan

In early XXXX i got a loan through mariner finance and they put a lien on a car that I am paying off. In XX/XX/2021 I lost my job and could not longer afford my car payments, so I was gifted a car and wanted to switch my lien to the gifted car so I could sell the one I was paying off ( to lessen my debt to income ratio ). 

Mariner finance will not allow me to switch my lien to the other car ( with a free and clear title ). They want me to apply for an entirely new loan or pay off the existing loan. I attempted to apply for a NEW loan and was denied because my debt to income is too high ( because I already have a loan through them and have a car I cant afford ) and they wont let my mom co-sign because she lives in a different state. This is frustrating because i already have an approved loan through mariner finance that I have been paying on and my debt to income ratio is high because of them. I just need the lien to be transferred so I can sell the car I cant afford. 

This seems illegal as they are telling me the only way I can get this taken care of is taking out another loan to pay off their loan so I Can sell my car. I am already in a bad financial situation as I have been paying two car insurances and a car payment I cant afford and they want me to take another loan out to pay them.
Product: Debt collection

I 'm contacting you, asking for an investigation of Diaz & Associates , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX.Because of my on-going Identity theft, I enrolled in an Identity theft monitoring service XXXX XXXX. On XXXX XXXX, XXXX my service notified me that a Major Derogatory mark, new account was opened and an address change took place on all XXXX of my credit reports, reporting by Diaz & Associates , Inc . I pulled all XXXX reports finding the new account was XXXX XXXX, XXXX to this notification, I never knew Diaz & Associates existed . Diaz & Associates, Inc. did not contact me by mail or any calls from their office, not providing me notice of debt. I found numerous errors on my credit reports caused by the data Diaz & Associates , Inc. is reporting to the credit bureaus. After consulting with a debt collection attorney, I demanded Diaz & Associates provide validation of the debt they was incorrectly reporting on my credit report. I wrote Diaz & Associates , Inc. by certified mail asking for full validation of the account and putting Diaz & Associates , Inc. on notice regarding all the reporting errors on my credit report. Diaz & Associates, Inc. replied by advising me how well versed Diaz & Associates , Inc. is with state and local laws and the FDCPA. In the same letter they tried to explain why they made so many errors on my credit reports. Diaz & Associates , Inc. also included an illegible copy of a customer agreement and disclosure statement dated XXXX XXXX, XXXX from XXXX XXXX stating that the customer agreement and disclosure statement authorize them to collect the non-validated debt on my credit reports. XXXX XXXX, XXXX I replied to Diaz & Associates by certified mail that I dispute any and all of their claim of the debt they were reporting. In the same letter I advised Diaz & Associates, Inc., that they violated my FDCPA rights under sections 809,812 and 807. XXXX XXXX, XXXX I was advised by the United States Post Office that the business was closed. USPS tried to deliver the certified letter for a second time again reporting the office was still closed ; leaving notification that the letter was waiting for pickup or reschedule. After a fifteen day holding period the certified letter has been returned to me unclaimed. How can Diaz & Associates, Inc. still be reporting this debt on my credit report if the office is closed? I 'm asking for resolution that Diaz & Associates , Inc. removes any and all reporting to my credit reports. I find their business practices be deceptive and should not be allowed to continue reporting the debt they have failed to notify me of or validate.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report and I found those fraud inquiries that shall delete from my credit report. I don't know what is going about those thief getting access to my credit report information. 

XXXX XXXX, inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX / XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX  XXXX, inquiry date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major security breech & I was identified as one who 's information has been compromised by the hack. As a credit reporting company, it 's their job to make my information secure & take precautions to make sure adequate security is in place to protect that information. Especially when our information is obtained by Equifax automatically as it is with all Americans or persons living in this country & part of the credit system.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Through JP Morgan XXXX I sent Bill pay to my homes XXXX XXXX. They cashed the check on XX/XX/2023 and never applied the credit to my account. I contacted Chase. Filed a dispute. They were directed to email me an Affidavit. They did not and reversed the original credit XXXX  days before they said they would be. I contacted them again and finally got affidavit emailed. I filled it out with supporting documents and faxed back to Chase. No response for a month. Finally after XXXX calls and subsequent dropped calls I'm told my Affidavit needed to be faxed to a different number. Yesterday I was transfered around and after over an hour on the phone it was dropped. Called again today. Asked for them to call back if it's dropped. They did not. They send a secure message through my account that I close it for fraud. It was not fraud. The company did not post my credit. I called Chase again, after XXXX min. And me asking again for call back if dropped call is dropped no call back. I shouldn't have to wait XXXX  days. It's already been XXXX  days and they better not close my account. Worst bank in the world.
Product: Debt collection

I called Mandrich Law on XX/XX/21 and spoke with XXXX he refused to provide the settlement letter in writing unless I provided my bank account information and authorized a posted dated payment for XX/XX/21. I advised that I don't have a bank account and planned to send certified funds, but I needed a settlement offer letter for my records. I explained that I had a hardship of having wages garnished for child support and back child support which was already exceeding the maximum federal limit for withholdings and I was calling to resolve the account with a possible settlement but Mandarich would not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is in good standing, and yet it has been over 7 years since the account was paid in full and I have frequently asked the creditor to reflect that and remove the collection status and yet they refuse. Since 2014 my dispute remains open with then with regard to this account and they refuse to close, resolve, and remove or amend the collection status. It is hurting my credit score, and affecting my ability to purchase a home and build my credit worthiness.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Debt collection

This company has commuted third party disclosure fraud twice. They initially sent me an email with no security protections that led to third party disclosure describing my debt owed. They then called a number associated with me, and again withough verification of the consumer, began releasing private information to a third party. When questioned about the disclosure, they hung up the phone.
Product: Credit card or prepaid card

Im requesting help in getting refund of {$510.00} that either Citicard MC or XXXX XXXX still has re-applied to my presentcredit card # XXXX. Initially XXXX charged on XX/XX/XXXX {$510.00} this charge at first unknown so reported to Citithey put it into investigation, cancelled XXXX credit card and re-issued new card XXXX and credited on new card on XXXX few days later I recognized the name being hotel booked in XXXX  DC ( not the XXXX XXXX XXXX XXXX and notified Citi I knew of chargethey reapplied charge on same statement on XXXXwhen contacting XXXX  around XX/XX/XXXX they said they CANCELLED reservation ( and no rooms available same rate then ) and REFUNDED XXXX to initial booking credit card XXXXappears refund never received since close dates between initial investigation refund and switch to new credit # XXXX and internal matching of {$510.00} of refund to # XXXX to # XXXX not applied by Citi or bounced back to XXXX. Ive contacted both XXXX and CitiXXXX claims refund went thru and Citi claims investigation credit given initially but re-applied on XX/XX/XXXX but No credit from XXXX. XXXX sent email showing credit given to XXXXCiti suggested asking for a check..XXXX says cant send direct or apply to new card # XXXX __they ask I request Citi re-send dispute to XXXX second applied credit on new card # XXXX. Citi says cant send second dispute on new card since dispute was on old card and closed..please help! Ive contacted both parties and inn stand still on what do nextboth acknowledge needs done. Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XXXX Report XX/XX/2023 and I noticed that this Inquiries had been made