23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the midst of closing on my mortgage, when a reporting appears from XX/XX/2016 from Treasury Department on my credit report at the last pull before closing, this account isn't mine, but I related to Equifax to whom it belonged to, and was ignored, I don't have time to wait for the improper investigative process that results in not factual results but whatever is profitable to the corporation. 

For over five years I have sent these documents to Equifax stating that unless the creditor reports my name on my social security card, then its not me, and they have ignored it because its profitable to ignore, and continue reporting other information. 

The debt reported as XXXX XXXX XXXX is reporting in a name that isn't on my social security card, and not on my credit report, but Equifax still reports it, recently they found that a credit card using another social security number was on my credit report, that wasn't my name or social security number, yet still reporting, and for three years reporting public records of bankruptcies, which just as the credit card, was probably belonging to XXXX, which isn't me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried several times to get verification from both experian and the creditor to verify this debt. I have received nothing. I have tried disputing it several times and experian always completes it as verified hut I can not get any verification. Also the creditor is stating it is for emergency XXXX XXXX, so experian needs to remove it anyways since medical debt is no longer allowed to be placed on my credit report.
Product: Mortgage

I havebeen callingfor several months asking for an updateon my loss mitigation packet. I have requested the lossmit XXXX rep to contact a supervisor. I have requested an internal note be put in my file asking for a status update. I havebeen told ( in a recording ) my file would be completed by the end of theweek ( XXXX ), only to call back 6 days later and be told there is no record of anyone ever speaking to my processor. 

My take homeincomehas increased significantly. I submitted the updated paystub and it was not acknowledged as received. I resumed payments last month, and the loansolutioncenter shows no record of it. Naturally I am hesitant to continuesending money into the ether without any response, update or acknowledgement. 

PLEASE REPLY and provide an expectation of when my application will be reviewed and complete.
Product: Credit reporting or other personal consumer reports

There is some inaccurate information on my credit report.
Product: Mortgage

I abandoned my mold ( XXXX, XXXX, XXXX as tested by an independent XXXX company ) house in XX/XX/XXXX. The house was sold XX/XX/XXXX. The foreclosure was final XX/XX/XXXX. The mortgage company, XXXX, is reporting that I am over 180 days late from XX/XX/XXXX to XX/XX/XXXX and had a foreclosure in XX/XX/XXXX. I have filed XXXX complaints with XXXX over the last 3 years with the last in XX/XX/XXXX. I have contacted XXXX directly. They have stated their information is correct and continue reaffirming that incorrect info to the credit agencies every time I file a dispute with the credit agencies. I have contacted XXXX directly and they will not provide me any documents showing their dates are correct. According to the court documents I have, their information is inaccurate, not factual and should be removed from my credit reports.
Product: Checking or savings account

I noticed that I wasnt able to get into my mobile app of my bank Citi Bank, around the last week of XXXX, estimated around the XXXX of XX/XX/2023. I called and a representative informed me that the dispute team department for some reason blocked my account but it doesnt say why. The representative had me on hold for almost an hour and he would check on me to keep me informed whats going on. 

The representative informed me that someone from the fraud team will give me a call in a couple of days. I didnt noticed a call on my end for a couple of days so I called and was told that my account will be closed. I asked why was my account closing and was inform by a different representative that he couldnt give me the information. I request to speak to a supervisor and the supervisor told me the same thing and mentioned about receiving a letter explaining why and hung up on me while in the middle of conversation. 

I received the letter in XX/XX/2023 but it didnt explain to me why my account was closing. I called on XX/XX/2023 and was informed by a different representative that I will be receiving another letter why my account was closing and the funds that was in my account will be be in a form of a check, which didnt make sense to me. 

Since the closing my account I have been struggling financially with paying my bills and this situation has caused me to be in a financial crisis.
Product: Credit card or prepaid card

I HAVE BIG ISSUE WITH TRUIST BANK AND XXXX PULLING MY CREDIT REPORT. I have been trying to apply for credit but both banks are stating they cant pull my XXXX report. I thought that they couldnt pull my report because my credit angecies was frozen. BUT, it was NOT. I was able to get credit extented at a different bank. However, Truist and XXXX is not having any sucess oulling my credit. I want Trusit Bank and XXXX be able to pull my credit so I am able to get funding extented to me. thnak you
Product: Money transfer, virtual currency, or money service

At about XXXX on XX/XX/2020, I was trying to sign into my XXXX account and I was unable too, after several attempts I was unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled i had received a text message earlier in the day stating my phone number had been disassociated with my cashtag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email i immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me. 

I immediately started looking for a phone number to contact cashapp, to my dismay they do not have a phone number and the only way I could contact them was via email, i proceed to send an email to cashapp right away making them aware of the fraud and i was no longer in control of my chashtag, the next day I was hoping to have received a response from cashapp since the issue in question has to do with fraud, being a financial company I expected issue like this will be treated with high priority, cashapp finally responded 24hrs later, in the time it took them to respond, I had someone send me {$470.00} to my cashtag account, this was after I reported the incident already to cashapp. 

the email from cashapp ( XXXX : ref ) asked me to provide some information, which I did, I waited for another week and contacted cashapp again requesting for an update, to my surprise cashapp claimed from their investigation, I gave my cashapp information to a 3rd party ( which i never did ) and there was nothing they could do about missing funds, and my best option was to dispute it with my bank, I sent a response back to cashapp requesting to know what happened to the {$470.00} that was sent to me after i had already reported the fraud, their response was the money is lost, and there was nothing they could do about it. 

I'm attaching evidence to show proof my email was hacked, also proof of funds taken from my bank account, finally additional funds sent to my cashapp account after I reported the fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the account listed below & they told me I've never missed a payment, yet XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX 's job To shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 
XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$330.00}.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX XXXX  # XXXX on XXXX Credit Report, XXXX Acct # XXXX " XXXX 30 days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Working withtransynion XXXX  and the loan accounts show that they closed with XXXX  then show that there is a balance. Also XXXX can not show a XXXX  as collections even from the beginning. Therefore there should not be a balance after XXXX  and or in collections for false information.
Product: Money transfer, virtual currency, or money service

I received the phone call from an alleged chime customer service affiliate that had all of my information regarding my transactions, my bank account numbers, and my personal information. A few hours later my checkings account was cleaned out and money from my savings and credit builder were sent to my checking account and was cleaned out as well. This is the number that the funds were sent to XXXX. My bank account was cleaned out completely and chime only gave me back {$550.00}. An additional {$1300.00} with stolen from me.
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 ( EFDA ) and Regulation E. These actions have cause 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 XXXX/XXXX/XXXX I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from experian and XXXX. XXXX also does not allow me to freeze my credit without making an account with them online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 DEBT RECOVERY SOLUTIONS , LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transfered/sold and i am no longer responsible for the account. 
Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS , LLC has violate my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

Credit card was opened without authorization. When calling the company they will not do anything unless you give your full SSI # first. They will not talk to me unless I give my full account number. I never opened this account. I do not have a card, and the account # is not on the bill they are sending for a payment. This does however show up on my credit report. 

The website does not give an option to close the account and only gives the information below. 

The company name is. 

Genesis FS Card Services XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX www.Destinycard.com
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Upon " checking out '' my purchase of a hotel room at the XXXX XXXX website I was prompted by a XXXX XXXX JPMC credit offer of a 0 % Promo APR for 6 months if I applied for and was approved the card. I received a credit line for that card and completed my purchase. After receiving the paperwork for the card I could see that that purchase did NOT qualify for the 0 % promo APR that was advertised to me as I was checking out. I called Chase and spoke to a representative and their supervisor and was told that nothing could be done. I understand that it was all there in the fine print but that doesn't mean that the offer was not deceptive or misleading. Now I'm on the hook for the entire balance the on the first bill unless I want to incur the interest fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the XXXX XXXX XXXX from XX/XX/2023 inquiry and see FTC report with names and dates attached. ID attached with address thanks
Product: Debt collection

I leased an apartment for my daughter last year on a one year lease term. She had been in good standing until the end of her lease which ended XXXX/XXXX/2015. She had called the front office and gave a verbal notice that she would vacate after a one month extended stay to XXXX/XXXX/2015. 
My daughter had failed to deliver her apartment keys until XXXX/XXXX/2015 which incurred subsequent charges due to the front office personnel not communicating with the bookkeeping personnel and was informed that they unable to enter the apartment until that time. As is evident on the move out form the initial date had been crossed out and altered which is fraudulent information submitted and not vetted by the collection agency, I feel that the apartment personnel knew of her move out date and could have entered the apartment at that time and were overzealous in their charges. 
I understand that it was my responsibility to have given written notice to vacate, but due to extenuating circumstances with my health which culminated in XXXX in XX/XX/XXXX, it was not high on my list of priorities at that time. I am a XXXX with limited income and was seeking some relief and resolution of this charge by writing the parent company of these apartments, to no avail since they have not responded to either of my letters. 
I have enclosed a copy of the bill with the disputed charges highlighted. 
Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a charged-off account that is listed on my credit report this account is in error and is showing a balance. XXXX Terms Duration Closed Charge Off Closed Should not be a monthly payment. Please delete the inaccurate account. 
XXXX Account Status : Charged-off and written-off dates are inconsistent errors please delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Product: Debt collection

I disconnected my XXXX  account and as instructed returned the equipment to a XXXX   facility who gave me a receipt stating I returned the equipment to them. Couple months later I received a debt collector invoice from RPM - Receivables Performance Management stating I owed {$140.00} for the equipment. I sent them the copy of the receipt and they won't clear the account. I spoke with XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ( who hung up on me ) and said " XXXX  says you still owe it ''. Totally false. I looked on XXXX  and this company has horrible reviews and scams people for utility bills. Please stop them.