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

The information that appears XXXX to XXXX and XXXX XXXX XXXX to my credit cards listed and all authorized user 's XXXX, XXXX, Transunion credit reports, employment screening companies, tenant screening companies, check and bank account screening companies, supplementary reports, and business credit reporting agencies ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A police report has been filed.

These item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my and all authorized user 's credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

I deposited a check on XXXX it's XXXX and funds are NOT available. This is a XXXX XXXX XXXX  industry. I need my money right away! Everything in America is overpriced and wages barely allow you to live. You work to pay for banks and the rich portion of America to profit. Soon I will limit my use of all banks and eventually find a way to stop contributing to the American economy. I still feel like a sharecropper in America. Im sure most Americans agree. GET RID OF BANKS THAT TAKE XXXX  days to have access to your money. This is ridiculous
Product: Vehicle loan or lease

I was trying to do a deferment on my loan with Santander and keep telling me no all i have wanted is to move XXXX missed payments to the end of the loan and was told i couldn't this is not fair to me. I'm working on trying to fix my credit and can't because they keep reporting im XXXX days late.
Product: Vehicle loan or lease

I am a single mother with XXXX daughters and XXXX XXXX XXXX 30 days ago I spoke to a representative from Golden One Credit Union Bank ( XXXX ) for my car loan. I informed them of my basic need to reduce the amount of my monthly payments to something more affordable since my income had reduced dramatically. I also informed them that this loan is owned by myself and my ex-husband, whom is currently incarcerated and there is an active restraining order. There is also a no contact order which makes it impossible to receive a signature. 

That being said they have decided to not allow me my price reduction on my car loan due to this signature that I simply can not obtain. They then transferred me to their collections department stating that they could find a program that could further assist me and I have since received no further assistance or information to assist me in this issue. 

I also wanted to include that when they initially assisted me with the issue, I was informed that they could help me, but that I would need to submit a loss mitigation packet which would take 20 days to process for an answer to consider a decision. After I waited the 20 days and filed all the paperwork, only to have a superior tell me that they would have never assisted me with the reduced payments without my ex-husbands signature.
Product: Checking or savings account

On XX/XX/2024, My Current account was hacked and took my entire paycheck which was XXXX and my paycheck advance which was {$250.00} that again was not authorized I wasnt able to log in and Current didnt do nothing about it they brushed it off after expressing my frustrations.
Product: Debt collection

Credit card / Identity theft / Fraud / Embezzlement / I have been a victim of fraud and Identity theft. I have reported it to credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I have missed 3 days of work to go above and beyond what this company is wanting. The company is Total Card Inc. at XXXX XXXX XXXX XXXX XXXX, SD. also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have sent a passport, proof of address, birth certificate, license and have had to get these items notarized and filed a police report and had to go down and have it re done because they did not approve it.. They are now stating they do n't have my social security card. I lost it in high school so I went down to the ss office and waited for 6 hours and my name was still not called and once again had to take off work. Now they tell me I have 10 days to pay or my case is closed and I am responsible for the charges. I cant keep missing work for this XXXX debt that is clearly not mine and I have exhausted all efforts to prove this. I have never opened a credit card with these people at all. They have to stop this. The criminal who opened the card did n't even have to go through all of this. They opened up a card on my social only. They did n't even verify an address.
Product: Credit reporting or other personal consumer reports

CFPB- 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 an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters on XX/XX/2018,XX/XX/2018, XX/XX/292018, XX/XX/2018 all certified mail. 
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 service 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 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. Verify or remove accounts listed. Thank you for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccur

ately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention :
Product: Debt collection

* Debt collector Called multiple times throughout the day after I informed them of my work hours * I informed them that I would call them at an appropriate time *Debt collector tried to collect higher amount then allegedly owed {$26000.00} / {$15000.00} *Debt collector threatened a did report item negatively on credit reports before offering debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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
Product: Credit card

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : JPMCB AUTO Account Number : XXXX Reason : Payment history is completely inaccurate across all 3 credit bureaus. 
Instruction : Please Update to Pays Account As Agreed Approximately 30 days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Product: Debt collection

XXXX XXXX  is trying to collect a debt that belongs to XXXX XXXX XXXX which I signed as a company officer and XXXX when out of business, I call XXXX   and was told that they wrote it off as a lost and they are no longer trying collect but can not supply me anything in writting because the debt is to old and they can not open it on their computer. 
When I CALL XXXX I was told that they don't have that account anymore and was supply with a attorney phone number XXXX account number XXXX. I ask XXXX to removed it my fro my credit report since they don't have the account anymore and was told to call the attorney supply above. 
When I call the attorneys office all they had was last four of my social and amount owned they where waiting for XXXX for more info from, Now that raised my eye brow. 
Now I have a different collection agency calling about the same XXXX account. 
ERC is the collection agency I pick up the phone and call XXXX XXXX they don't know anything about the attorney or the agency ERC. 
After three hours on the phone all I did was waste my time and can not get a stray answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 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 Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 26 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

XX/XX/2023 : I received several letters from the Wells Fargo Bank Customer Care Department requesting a phone call. I executed the calls for each letter attached and made notes on whom and at what time I spoke. The resolution, as promised, for all the inconveniences was provided on a recorded line 30 days ago. So I called back towards the end of XXXX once again and still got the same response. Someone needs to do their duties and provide the appropriate final results within the promised delivery date. We are now heading 60 days and still waiting for results.
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, TX XXXX XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00}
Product: Mortgage

Citifinancial decided yet again to transfer my loan and change my account number which resulted in them taking my money but refusing to apply it to my account. Now I am being charged interest in should n't be and I can not do my taxes
Product: Student loan

So I 'm still in school and not even 6 months after my anticipated graduation date did they tell me I had to start paying off their loan when I was told they would take 6 months after my graduation date when I was settled in with a job that I 'd pay. But now they 're constantly harassing my family and I are about payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX; XXXX  and Transunion are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX  – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its inquires I know nothing about someone said someone was trying to get cars and furniture under my name XXXX XX/XX/XXXX Santander consumer XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

A account was open with my information that I was not aware of, and I reached out multiple times to the company on my credit for it to be remove since the account was opened fraudulent and now it is on my credit getting harassed daily for something I have no idea about thats why the account was never paid off because I did not open it and now Im receiving mail at my boyfriend parents house when I never put that address in the system.
Product: Checking or savings account

We ( XXXX XXXX ) opened a Citi business account and deposited via wire {$61000.00}. 

One week after the deposit, CITI sent us automatic closure letter of 60 days. 

- no detail of why they are holding our funds and closing the account. 
- no guarantee of timeline for resolution. 

Our business requires constant cash flow and we need to pay employees. They restricted our account and will not let us use the funds, nor will they agree to let us recall the wire for {$61000.00} to our old bank and terminate our Citi relationship. 

After contacting numerous departments within the bank and visiting branches 7 times, here are numerous issues : - Different departments tell completely different answers to clients. Fraud department told us that a wire recall is possible and we would receive the funds. Then wire department told us a completely different story days later stating it can not be done because the account is restricted. 

- Back office gives transfer to other departments, only for the new department to transfer you back. Their employees have no idea who is responsible for what inside their internal team, and seem to just resort to pushing clients around until they give up. 


Citi is holding our funds for no reason and refuses to let us bank. It is affecting our operations, our incoming investments, ( we are raising a seed series and our investors are uncomfortable with the situation ) and affecting our financial stack because other tools we use for accounting and payroll need a connected bank account with funds in it. 


We will be taking legal action against Citi for these damages and a total lack of accountability from their internal team.
Product: Credit card or prepaid card

This is a follow-up to complaint # XXXX, as CFPB closed the case, which no longer allowed me to respond or add anything. 

On XX/XX/XXXX, XXXX XXXX from Wells Fargo responded promising " Monetary Relief '' as a courtesy of {$10.00}, with no explanation of how I would receive that or a timetable in which to expect it. I hereby reject that courtesy credit, as I was told my purchases didn't qualify, which is FALSE. Their claim was that " XXXX XXXX only had some of their locations listed as part of their promotion ; the location I visited was not listed '' and " XXXX XXXX does not qualify as part of the promotion ''. 

The terms of this " XXXX XXXX XXXX XXXXXXXX XXXX '' promotion gave a website " XXXX '' that lists participating businesses, that is where I found these 2 restaurants before patronizing them. I will be uploading screenshots to this case from that site, showing the " XXXX XXXX '' emblem next to the address of the exact locations I made purchases from, taken the same day the purchases were made. Also, those same businesses CAN STILL BE FOUND as participating in this promotion on that web site, RIGHT NOW. 

Also included will be a screenshot of my credit card statement showing both entries, to identify them as the proper locations, and to show that I have not yet been credited properly for this promotion. XXXX XXXX purchase was {$14.00}, XXXX XXXX was {$11.00}, both purchases were made on XX/XX/XXXX. 

And finally, a screenshot of the promotion 's terms showing the aforementioned web site for finding participating businesses will also be included. 

In closing, I want it made clear that I completed the offer properly PER YOUR TERMS, my purchases did qualify PER YOUR TERMS, and I want it recognized and acknowledged properly and to be credited as such, NOT as a courtesy.
Product: Credit reporting or other personal consumer reports

I noticed another account on my report i do not recognize. XX/XX/XXXX for {$2000.00} opened in 2017 I have disputed with equifaxXX/XX/XXXX and XXXX XXXX to no avail I have supplied ftc report to support my claim Please remove this account immediately
Product: Mortgage

Hello we applied for a new loan to refinance our existing mortgage and take advantage of interest rates. At first there was great communication. As soon as I handed over my info and paid for the appraisal I could not get q reaponse to an email or phone call to save my life. Im currently entering the 4th month since initial agreement to refinance, my rate lock has expired and I have contacted supervisors and managers with no return phone calls or emails. Every so often I've receives an email about new conditions underwriting is asking me to clear or provide documentation for and follow up agyer submitting documents.
Product: Debt collection

Collections and charged off accounts are not mine. Please delete it. This is clearly an identity theft. And until now these records is still showing on my credit report. 

1. Balance : XXXX date opened : XX/XX/XXXX 2. balance XXXX date opened : XX/XX/XXXX 3. balance : XXXX date opened : XX/XX/XXXX 4
Product: Credit card or prepaid card

I received a pre approval letter fromn Capital One to apply for a Spark Business Card. on XX/XX/XXXX. I applied online and instatly approved for {$5000.00} for my XXXX. on the same day i was asked to proved for a document that shows my social security number as well govenment issued ID which i provided. Capital one pulled my my credit score/history on XX/XX/XXXX. on XX/XX/XXXX, i received a letter saying that my application denied due to incompleter information or can not be verified. I called the number provided on the letter and spoke with XXXX initially and then XXXX ( supervisor ). they said that my application denied since they could not verify who I was. I told them that i provided my ID, SSN and a Letter from IRS showing my LLC information, plus you guys pulled my credit score on XX/XX/XXXX so i was not sure what else they need and i asked for them to let me know what else i need to privide. Their response was that they already decided before receiving full information and unable to reverse the decision but they would be happy approve if i re-apply. I submitted all requested document for verification on XX/XX/XXXX and the deadline to submit is XX/XX/XXXX so I am not sure why They decided to reject my application. Both representative seem to not be honest about the situation and could not be able to discuss further. I told them that the process to repply is easy but it will affect my credit score since there a hard credit inquiry with every application. both staff said, they are not familiar with how credit inquiry works and could not help me further.
Product: Mortgage

My husband died XX/XX/XXXX before he died did filed a BK chapter XXXX on our home I am not on the finance part of my home only on the deed Is in my name waiting to get my husband retirement money so I do not qualify to put the finance part of the home so with COVID-19 I had a part time job but lost during this time I called Chase Bank To ask if I qualify for the Forbearance program for the three months to be put on the end of the loan They told me I did qualify for the program and they put me in the Forbearance and in XX/XX/XXXX they sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX and on XXXX I paid the first payment to XXXX and then ask then if I was still in that forbearance that Chase Bank Put me in they told me that yes that Chase Bank did forward the information Over that I was in that program. But later when they were during the interview over the phone for the Forbearance program she said something not right when she was putting my information in the system it did not take my information she had to get a supervisor To take a look at my information then she found out the problem they told me that Chase Bank gave me the wrong information I did not qualify for that Forbearance because my name is not on the finance part of my home so they told me that because of that I was in default and that Chase Bank should have known that
Product: Debt collection

On XX/XX/2021, I received a debt collection notice pertaining to an outstanding balance for a previous auto insurance policy. I had no prior knowledge of the amount and was caught completely off guard by the collection notice. 

I have never received any written notice or telephone calls from my former insurance agent about the alleged debt and switched my auto insurance to a different company. Before doing so, however, I waited until my policy expired. There was no money owed at the end of the policy.