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

sent to BANK XXXX XXXX, XXXX Comenity Bank : Account XXXX was closed by me in XXXX XXXX within the 30 days given to do so, via a telephone call to the bank. Account XXXX was closed as the card is being discontinued and I received a XXXX XXXX XXXX to replace the XXXX XXXX XXXX I come to find the account was not closed till XXXX after I returned a statement explaining the account was closed. Simply sending the statement back with the words ACCOUNT IS CLOSED on the statement. I assume it was never closed when I initially called and closed the account in XXXX / XXXX XXXX to a XXXX XXXX XXXX representative @ XXXX When I log into my XXXX XXXX account online and it shows a {$0.00} balance for a card that was closed in XXXX XXXX ( see enclosed screen shot ) I assumed when looking at my account online my balance was {$0.00} as per your website never seeing a balance or additional charges. Why can I still log into a closed account from XXXX and not an account the bank shows me owing money? Also when I log in online should it not show me my latest account information not information from an account closed in XXXX? Really not sure whats going on at this point. So I can log into he bank and see info on an account thats closed but not and account that was closed in XXXX which according to the bank now has a {$250.00} balance. Then on XXXX XXXX XXXX I get a letter stating I owe {$210.00} for some type of membership fee ( but the card was closed in XXXX XXXX? ) per my phone call to the bank. Can you please make sure any account I have is closed and there is no balance on any accounts with Comenity Bank. I closed the account in XXXX XXXX to avoid the membership fee and somehow the card was never closed as requested. The card XXXX has not been used so no membership fee should be charged. I can not even log into Comenity Bank and view this fee and additional penalties and charges My online account takes me to the WRONG account information. When I visit : XXXX XXXX XXXX shows me {$0.00} balance evidently on a account # XXXX. Which apparently was an old closed account/card from XXXX. I can not log into any account XXXX. Thus I had no idea the account was not closed. I need to have access to current information in order to see that the bank has a error pertaining to my closed account. Thank you for taking care of this and I will need a letter stating the banks mistake and showing a {$0.00} balance. Thank you for your time and handling this. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have a Target Red Card, which is their store credit card. For the last several weeks, every day when I try to log in to check my account balance, it would show that my account is locked out. I had been calling every day to have my account unlocked just so I can make sure the transactions are valid on my account, and to make sure my account is current. Today when I called the representative to get my account unlocked, she canceled my XXXX XXXX without me asking for it and said it would take 10 business days for them to send my new XXXX XXXX. I explained that this does not work as I need it sooner to do XXXX shopping. She then proceeded to expedite my card and then charged me {$15.00} without confirming with me if I agree to the charge. I asked her to either waive the charge or uncancel my old XXXX, but she refused to do either. I asked to talk to the supervisor. The supervisor could not give me a timeline when my account lock out issue would be resolved. In addition, she would not waive the {$15.00}. Then she hung up on me. I would like XXXX to please waive the {$15.00} fee for sending me my new XXXX XXXX or XXXX my old XXXX.
Product: Credit reporting or other personal consumer reports

My personal information was included in a data breach by XXXX. Ive recently noticed a rental lease charge off on my credit report for an address I have never had ties to. Ive tried to contact the company listed and was unsuccessful in having it removed.
Product: Money transfer, virtual currency, or money service

I was given a unpaid check of {$3500.00} and I did not know it was unpaid and It was on hold for a few days before it could clear and it was cleared into my account then I gave the money back and after a few days later the check bounced from my account after the transactions went through and i am now down {$3500.00} in debt because of this
Product: Debt collection

The company added interest to the amount without a contract allowing for interest to be charged on unpaid debts. When I disputed the amount, they told me it was company policy for them to charge interest on medical debts and refused to remove that amount.
Product: Debt collection

Account opened- XX/XX/2024 Original balance- XXXX Balance- XXXX I have NOT applied for a line of credit in a while now I was notified by an alert of this account appearing on my credit report and it does NOT belong to me
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I get monthly credit score alerts from Experian. 2 months ago my credit score dropped XXXX or XXXX points. This month it dropped another XXXX points. There has been XXXX change in my financial status during this time period. This caused me to pull a full credit report which shows Experian is doing a soft pool on me everyday. I have exhausted all means of reaching them. Chat bot will not work, email addresses have been discontinued, responding to their auto reply emails is fruitless and I can not reach them on the phone. I understand that XXXX soft pools theoretically should not affect my score, but there is no other explanation. I need to speak to someone but can not reach them
Product: Mortgage

Wells Fargo modified my mortgage without notifying me and foreclosed on my home This happened in XXXX I was given this website to see what can be done at this point
Product: Money transfer, virtual currency, or money service

Subject : Fraudulent Transaction Complaint for JP Morgan Chase XXXX XXXX XXXX Account. 

] To whom it may concern, I, XXXX XXXX I am filing a bank fraud complaint for JP Morgan Chase Bank XXXX XXXX XXXX Account. 

Dispute amount : {$29000.00} Between XXXX, Unauthorized account access of my chase safe deposit box account located in XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX I have {$29000.00} cash in it. On XX/XX/2020 I found out the cash are all gone and filed dispute to Chase bank with denial for no reasons. Safety box need key to access. We never lost our safety deposit keys. The safety deposit box doesnt have any sign of damage. It appears to be Chase stuff stolen the fund. 

I beg to inform you that this transaction was not carried out by me in any form. Please kindly look into the matter and guide me through the best possible solution to this problem. Please advise me know to recover my hard-earned savings. Please help me to get my stolen {$29000.00} from JP Morgan Chase. 

If you have any questions, please call me XXXX at mail me to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 

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

To whom this may concern, I have attempted to sent letters Trans Union several times about inquires on my credit report that I did not do. I have also called and did what was requested by them several times. They told me there is nothing they can do about it and to reach out to the companies that have appeared on my credit report. I also explained to them that my wallet was stolen and that I have had several fraudulent credit cards and inquiries on my report but still nothing was done. Therefore, I have no choice to reach out to get this matter resolved. I am asking to have them remove as there impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX ) XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 " 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

XX/XX/XXXX inaccurately reported me late 30 days in XX/XX/XXXX on an account I asked to be closed XXXX and was paid off XXXX in XX/XX/XXXX. They continued to charge me monthly fees totaling {$44.00} and I was notified of these charges in XX/XX/XXXX ( I never received statements by mail or email regarding these charges XXXX. 

I contacted XX/XX/XXXX and they agreed to remove the 30 day late on my credit report and credit my account in full and close my account. I have asked all three credit reporting agencies - Experian, XXXX XXXX and XX/XX/XXXX- to correct my credit report and after 30+ days this still has not happened. Ive provided documentation from the creditor stating they are removing the balance and 30-day mark, and contacted the creditor twice to make sure this is the information being passed on in my dispute. Completely frustrated at the mark on my credit which dropped my score in the middle of trying to purchase a home.
Product: Credit card or prepaid card

On or about XX/XX/2022 several fraudulent charges appeared on my credit card ledger. These charges occurred in a city XXXX miles away despite the card being in my possession, and thus were reported as fraud using Citibank 's online banking system. Also, a new credit card with a new account number was ordered. The following week, ( on XX/XX/XXXX, XXXX, and XXXX ), XXXX new fraudulent charges appeared on my credit card ledger in and around the city in which I live, ( despite having not yet received my replacement card, and my previous card being cancelled ). I immediately flagged these charges as fraud, ordered a second replacement card, and locked my account using Citibank 's online banking system. I then reached out to Citibank directly using their online message window. The representative suggested that these charges " may have been pending at the time you initially reported your credit card information was compromised. '' A few weeks later, ( and I still have not received a replacement card btw ), Citibank calls me for a brief interview in which they ask me a series of boilerplate, yet condescending, questions such as " Do you know the person who made these purchases? ", and " Did you benefit in any way from these transactions? '' A few more weeks go by and I received a letter from Citibank stating that the charges in question were made using the chip in my credit card, and because " You had the card in your possession at all times '', they " do not consider them to be fraudulent. '' After receiving this letter I have made several attempts to appeal their decision, but have been completely ignored, so at this point I am filling a police report, closing my Citibank account, hiring a lawyer, and reporting their incompetence to you in the hopes that their fraud department can be compelled to do their job. I have also sent a letter ( see attached ) via certified mail directly to Citibank 's Security Services Department. The unresolved fraudulent charges are as follows : XX/XX/2022 XXXX XXXX # XXXX XXXX CA {$140.00} XX/XX/2022 XXXX XXXX XXXX XXXX CA {$130.00} XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX CA {$45.00} XX/XX/2022 XXXX XXXX XXXX CA {$15.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX CA {$2.00} XX/XX/2022 XXXX # XXXX XXXX XXXX CA {$470.00} XX/XX/2022 XXXX - XXXX XXXX CA {$350.00} XX/XX/2022 XXXX - XXXX XXXX CA {$160.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXX CA {$53.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX CA {$9.00} XX/XX/2022 XXXX XXXX XXXX CA {$3.00}
Product: Checking or savings account

On XX/XX/2020 my uncle sent me {$200.00}. On XX/XX/2020 Cashapp locked my account due to what it called suspicious activity. I contacted Cashapp to request the account be unlocked. I explained that I need my money to pay rent. Cashapp hasn't responded and still have my account locked.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, My name is XXXX XXXX. I am writing to file a formal complaint regarding a collections account initiated by XXXX XXXX XXXX. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681-s2 ( 7 ) ( a ), collectors are required to provide accurate and complete information to credit reporting agencies. However, there have been inaccuracies reported to credit bureaus regarding this collections account, which has negatively impacted my XXXX XXXX unfairly. I am requesting these accounts be investigated in accordance with FCRA section 611. Procedure in case of disputed accuracy. An inconsistent pattern of inaccurate reporting is illustrated within this report ; 1. Pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. The demonstration of that violation is because XXXX XXXX has been applying fees without reporting those fees with the credit bureaus. In addition to that they XXXX  XXXX  has a XXXX  against me that theyve been collecting payments on but NOT reporting those payments on which the CURRENT status is XXXX. THIS COLLECTION COMPANY FAILED TO INLCUDE FEES WITHIN THE REPORT THUS SHOWING SIGNS OF DECEPTIVE AND ILLEGAL COLLECTION PRACTICES. 
2. Under consumer law 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) you have 5 days to notify me, provide proof of compliance and that you have bought my debt from the previous collector.

and you guys failed to do so.

3. Furthermore, I needed you guys to provide me with an assignment of debt or the agreement between you, the collection agency and the original creditor. 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) this subjection requires that a debt collector include specific information in the initial written communication. SPECIFICALLY, IT MANDATES DISCLOSURE OF : THE DATE OF DEFAULT OR LAST PAYMENT, THE DATE OF CONSUMERS LAST PAYMENT ON THE ACCOUNT. 
I have attempted to resolve these issues directly with the collection agency and collector but to no avail. Therefore, I urge the CFPB and other Agencies to investigate this matter thoroughly and take appropriate actions to ensure compliance with consumer protection laws. 15 USC 1681s2 ( a ) : Duties of Furnishers of Information This subsection focuses on ensuring that the information reported to credit bureaus is accurate and not misleading. It includes several provisions : Duty to Provide Accurate Information : Furnishers can not knowingly report information that is false or misleading to CRAs.

If the furnisher later discovers that previously reported information was incorrect, they are obligated to promptly delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/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 : XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}
Product: Credit card

I took a screenshot. A few months ago I applied for another XXXX of their cards. It was supposed to be a guarantee and they lied. I was no approved. An nothing showed up on my credit report from the fisrt time. This time I was advertised another XXXX of their different cards. It stated that my credit would not be affected. It showed the same message as it did the first time. But this time it did affect my credit score so I want the inquiry removed. I took a screenshot and I can provide that screenshot.
Product: Debt collection

Hi, Asset Acceptance obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked Asset Acceptance to provide me with the date and amount of the last two payments on the original XXXX account and they refuse to. I have contacted XXXX the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!