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

I received an email on XX/XX/XXXX that my card was closed due to a review of my account. I was told that my card was being closed due to delinquent activity ( from XX/XX/XXXX which was a card I never opened in the first place ) and a high credit utilization for my overall credit. I opened this card in XX/XX/XXXX after the " delinquent activity '' took place. I also had a higher credit utilization when I applied for the card then what I have now. I do not understand why it was ok for me to be approved, but now I receive a review ( which I did not ask for in any capacity ) in a better situation then when I applied and I all of a sudden lose my account. This is extremely unfair and frustrating. Now, my overall credit utilization will be a higher percentage and will lower my credit score. I also have never missed a payment and by the end of every month I have a XXXX  balance on the card. I tried to call to reopen my card and was told that it was closed and there is nothing that can be done, however, I can apply for a new card. How they can even recommend that is absurd to me as they just closed my account for " credit reasons ''. Miserable and unfair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$1300.00}, {$1200.00}, {$630.00}, {$0.00}, {$0.00}, {$200.00}, {$2400.00}, {$990.00}, {$2400.00}, {$9000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

12. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that late payments appear on XXXX accounts where I have never made late payments. This information is inaccurate and is negatively affecting my credit score. The accounts in question are : XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX. I submitted a dispute to the credit bureaus requesting an investigation into these late payments and asking for proof to support their accuracy. According to the Fair Credit Reporting Act ( FCRA ), the reported information must be accurate, and the agencies are required to correct any errors. To date, I have not received valid evidence justifying these negative reports. Since there is no proof that these payments were late, I request that my payment history be updated as on-time and that these incorrect records be removed. I appreciate the review of this case and look forward to a prompt resolution.
Product: Money transfer, virtual currency, or money service

I used my cash app frequently and three times money was gone from my card an once I sent money to someone that no longer had the account cash ap said I would recieve my money back in 5 days I never recieved the money so no I cant get a cash app card it only let me send and recieve but want issue me a card. XXXX XXXX and XXXX of XXXX
Product: Credit card or prepaid card

I, consumer, natural person, living woman was discriminated against by Goldman Sachs when I applied for an Apple Card. 

On XX/XX/2022, a consumer credit transaction occurred the moment I filled out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, Goldman Sachs, accepted my application you also accepted fiduciary responsibility. 

Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from Goldman Sachs, the unauthorized use of my credit card, and I did not receive ANY BENEFIT from this transaction 15 USC 1602 ( p ). My consumer report was negatively impacted proving the transaction did in fact go through. 

Best Regards, XXXX : XXXX [ XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information that has been associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have become a victim of identity theft, and I have taken immediate action by reporting this incident. It is imperative that this matter is addressed promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I respectfully request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am fully prepared to provide any necessary evidence, and if required, I will not hesitate to pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be greatly appreciated.
Product: Mortgage

I had a loan modification with XXXX # XXXX and they sold it to Shellpoint account # XXXX, Then Shellpoint is now claiming they are not honoring the modification after I had made 8 months of scheduled and timely payments, they are reporting all payments as delinquencies! the Credit Agency has me with 8 delinquencies and the new loan company will not approve the new Mortgage until all of the Delinquencies are removed! My home will be sold off according to Shellpoint! Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account from my TRANSUNION consumer report on multiple occasions because I never gave TRANSUNION or XXXX  direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served XXXX with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to TRANSUNION and publishing information that is harmful and defamation of my character! It is a fact, TRANSUNION has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from TRANSUNION stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!
Product: Mortgage

There is a charge on each monthly statement that shows {$7200.00} as being owed to Mr Cooper but they can only explain about XXXX of it which I disagree with. They tell me the rest is from before they took over in XXXX so they dont know what it is but refuse to remove it from my account. I can only see back to XXXX on my online account access. This {$7200.00} shows back to then and I dont know how much further back. The figure has not changed. I have done their online messages and numerous phone calls over the years and still can not get any satisfaction. They have my interest rate at 7.625 % and each time I try to refinance to a lesser rate they tell me I dont qualify.
Product: Debt collection

To Whom It May Concern, Report Number : XXXX I am writing to request validation of the debt that your agency claims I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I received a communication from your office regarding a debt that is allegedly owed, and I would like to ensure that this debt is valid and accurate before proceeding with any payments.

Please provide me with the following information as part of your debt validation process : 1. The name and address of the original creditor.

2. A detailed statement of the amount of the debt, including any interest, fees, or other charges that have been added.

3. Verification of my obligation to pay the alleged debt, including any signed contracts or agreements that show I am legally responsible.

4. A detailed payment history that shows how the debt has accrued, including any payments made to the original creditor.

5. Any documentation that demonstrates your legal authority to collect this debt on behalf of the original creditor. 

Please note that I am not acknowledging or accepting responsibility for the debt by submitting this request. I am simply exercising my right to request proper validation. Until I receive the requested information, I request that you cease all collection activities related to this debt, including reporting any negative information to credit reporting agencies. 

I expect your prompt attention to this matter and look forward to receiving the requested documentation within 30 days. If you fail to validate this debt as required by law, I will consider the matter resolved, and I will expect all collection efforts to cease. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about several issues I have experienced with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Product: Debt collection

The account was never turned into collection. Kay jewelers is the creditor. The account has a balance of {$2000.00} and was opened on  XXXX / XXXX / 2014 . I have filed police and identity theft reports.
Product: Mortgage

More than one year ago OCWEN financial services the holder of my second mortgage told me I needed flood insurance. I gave them documentation from FIMA staing that my residence did not require the mandatory insurance for flood. After speaking to several representatives and sending them the documentation, the instituted a flood insurance policy and started taking out escrow payments from my monthly payment. This ultimately put my account in a negative position. I have called them insistently for the past year and then they told me " Yes '' in fact I did not need insurance. They refunded my escrow money via a bank check once again putting my account in a negative position, I called again did a phone bank transfer to bring my negative balance which they made negative, to a current status. I have spent more than XXXX hours on the phone speaking to everyone all over the world only to have them report my account to the credit bureau and reduce my credit rating by more that XXXX points. They have failed to live up to their promises and reassurance that this would not be done, due to their mistake? I am beyond perplexed and now damaged on my credit history. Can you please help me? PLEASE
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards and other accounts from XXXX XXXXXXXX {$710.00}, XXXX XXXX XXXX XXXX, XXXX {$20000.00}, XXXX XXXX {$3000.00}, XXXXXXXX XXXX {$890.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/2018 I went to the bank to with draw money from my account witch was XXXX dollars. After I left the bank I went to pay two bills and I realize that I was short changes on my money, I tried to resolve it with the bank but they were just giving me the run around. Talking about they will have my money in to days but that was a lie. USbank has done me like this before but I did not no who to go to until now I just got out of the hospital and they did not care about that at all. I talk with a XXXX XXXX, and XXXX XXXX, that gentlemen told me that if I did not like the way they were handleing it that I can take my business elsa were. They said that it will take two days but they lied about that as well. Some one in that  bank is stilling and trying to use my account as a coverup. I have no food and gas to put in my car at this point so I will have to find out how to get money. I will go to the XXXX and let people no what is going on in the bank of USBanks. Yours Truly
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 the heir platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvienience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

These two accounts is not mines at all fraudulent information I like them to be removed off of my credit report
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, FL XXXX FOCUS FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX for the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report and noticed that my credit report had old, outdated information. The specific item in question is a Mortgage entry in my credit file. On the report this entry is listed as closed by Bank of America. Including the following information, the date of last activity which was XX/XX/XXXX, date it was reported XX/XX/XXXX and the date when the account was closed which was XXXX of XXXX. 
Based on this information on my credit file and my understanding of the Fair Credit Reporting Act which states credit bureaus are to automatically delete old outdated negative items from credit reports, I asked XXXX  to remove the old outdated information from my file. On its website XXXX  states the following closed accounts stay on your credit report for up to ten years from the date of last activity. Since the last activity date on the item in my credit file was XX/XX/XXXX which is which is 11 years well beyond the time allowed by law to remain on file. I asked XXXX  to remove the old outdated information from my file however as of XX/XX/XXXX they refused to remove the information. XXXX  stated they contacted Bank of America and they stated the account listed on my file was still open and when I asked XXXX  stated BOA did not provide any additional information. 
At this time I questioned how BOA reported the account closed on XX/XX/XXXX but now BOA is now saying the account still open. I asked the XXXX  employee XXXX XXXX XXXX regarding the discrepancy on Bank of Americas reporting. I argued that the account on my file was already reported closed in XXXX which she herself confirmed after doing research on my file. I asked if they would do any additional investigation into this matter. I questioned the fact of how after reporting the account closed back in XXXX, BOA is now saying the account is still open and her response was sir it doesnt work that way. We dont do any additional investigation we just report the information we get back from them, I asked wether the info was right or wrong and her response was we dont verify anything we just report the information we get. 
This is outrageous. 
1. XXXX  has not been in compliance by failing to automatically delete old, obsolete, and outdated information from my credit file.

2. XXXX  rubberstamps into consumers files incorrect information provided to them 3. BOA listed the information I wanted removed from my file as closed 8 years ago and the last activity took place in XXXX of XXXX. 
4. BOA reported to XXXX  the item in question on my credit file is not closed but rather is currently open.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXXXXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I had an account with Cash App. They closed my account and stated that it was closed due to violation of Cash App policy