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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the ongoing issues I have encountered while trying to delete my accounts with Credit Bureaus. Despite making numerous attempts to remove my late closed and charge off accounts, I have not been able to successfully do so, and I am growing increasingly concerned about the security of my personal information. 

I initially tried to delete my accounts by following the steps outlined in your website 's account management section. However, I encountered an error message that prevented me from completing the process. 

After the initial failed attempt, I made several more efforts on different occasions, thinking that the issue might have been temporary. Each time, I faced the same error, which made it impossible for me to proceed with the account 's removal. 

Frustrated by my repeated failures to remove my accounts, I reached out to your customer support team and explained the situation. Unfortunately, I have not received a satisfactory response or any assistance in resolving the issue. 

Due to the persistent inability to delete my accounts, I am growing increasingly concerned about the security of my personal information, including my data, email address, and other sensitive details associated with my account. I have the right to have my data removed in compliance with data protection regulations. 

I kindly request that you address this issue promptly and assist me in deleting my accounts without further delay. My trust in your company 's data management and customer service is rapidly diminishing, and I hope that resolving this matter will help restore some of that trust. 

Please provide clear instructions or direct assistance on how to successfully delete my account. Additionally, I request confirmation once my accounts has been removed from my credit report, along with a timeline for when this action will be completed. I am asking for your immediate assistance to remove the late closed and charge off accounts from my credit file : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$560.00}.
Product: Bank account or service

Since XXXX, I spent XXXX months stressful days but, I paid {$150.00} for the services fees because of CITI. 

I opened Citi Gold account last XXXX, because I see there was XXXX XXXX miles promotion for opened the Citi Gold account. 

First, I see this promotion it looked really easy to do. I can not even imagine this takes too too long for be processed. 
I finished all promotion requirements at XXXX. and I sent a message to Citi. 
And they replied I need to wait till 90 days after I finished the requirements. So I waited like 120 days like a fool, but It does n't work. So I sent a message and call them that they finally submitted investigation for me ... 

2 weeks later, I got the message that I can not get a promotion because my account is not yet XXXX verified. So I sent the XXXX form to them. But It was rejected because of I did n't sent a proof of XXXX mailing Address. At that time I felt weird because I 'm still lived in XXXX. 

I sent another copy of XXXX with proof of XXXX mailing address ( It mentioned I live it here ). and call them I sent that. But, no updates for me after 2 weeks. So I called them again but, they said like it 's still processing. and call again and again and I knew that they even can not found my documents. 
and call again to XXXX of supervisor that said like I have to submit the XXXX instead of XXXX ( what.. ) So I sent that now my account is finally verified. and I submit the another investigation for it. and I 'm still waiting for it. 

Also, I tried to asked them a monthly fee waived, but that does n't work. They overtime said like their regulation for it. After few days is XXXX XXXX, that means I should pay another {$30.00} service fee. 

I 'm really tired of the situation, and I hop this solved quickly. 

Please understand my circumstances, I will look forward to hear from you soon with a good news.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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: Credit card

Apple card closed my account after disputing fraudulent charges. They refused to file claims for these fraud transactions.
Product: Credit reporting or other personal consumer reports

XXXX charged me monthly to monitor my credit report with all three bureaus XXXX XXXX and Transunion. They reported mis information on all yet my XXXX XXXX did not increase with any of the bureaus. Yet they changed monthly for mis information.
Product: Checking or savings account

My Chase account was closed on XX/XX/, and I called them, they said they could give me my money back within 10 days. But I still have not received my money. My statements show my money is withdrawn by the Fraud Team and is under review. I did nothing related to fraud so why did it take such a long time to review my money and not return back to me? The amount of money is around XXXX. Now I have no money to pay bill, rent and tuition fee.
Product: Money transfer, virtual currency, or money service

Despite the passage of several years, I have yet to receive a clear explanation for the permanent ban imposed upon me by CashApp. Even after attempting to sign up for the platform three years ago, I was promptly declined for verification and informed of my permanent ban without any apparent reason. Customer service has consistently failed to respond to my inquiries, and whenever I manage to contact them, they promptly delete my account, close the open chat, and provide no specific details. I have not engaged in any illegal or inappropriate activities, and it is deeply frustrating that they are unwilling to provide me with an explanation for this unjust ban.
Product: Credit card

I have been grossly overcharged with monthly late fees unsubstantiated. I opened an account with Kohls Dept. Store in XX/XX/2015. I purchased {$280.00} total! I made payments of {$390.00} overpayed by {$110.00} based on purchases. In addition to the payments including interest, I was overcharged every statement with late fees, unjust. I have been scammed by Kohls in the amount of {$440.00}. I want and demand a refund of the erroneous charges for the past year.
Product: Credit card or prepaid card

I applied for a Barclay Business Aviator Credit card in XX/XX/XXXX. Over the course of a few weeks I was told more information was needed and was sent two conflicts letters on the same day asking for different types of information. I sent in information and called to confirm that it was received. I was told the card was approved, but then I was sent a letter of declination. I then called and they confirmed that it was an error by a representative and verbally approved again, and follows up with a letter and e-mail on XX/XX/XXXX. I was told I would get a card in 7-10 days. I  did not. 

On XX/XX/XXXX I called to complain that I did not receive a card, and see if another incompetent barlcaycard representative had made a mistake. I was told a new card was received on XX/XX/XXXX. I stated that I did not receive a card and explained that all my mail is scanned by USPS and no such envelope reached XXXX, OR. After about 9 telephone calls and numerous hangups and over 4 hours on the phone I still have not had the issue resolved. Every call I am told I need to speak to someone else, and put on hold. The representatives tell me conflicting information and keep making me run in circles without resolving the issue. 

I was told that my card was used for cash advances in Georgia, where I am not, and where I have never used a cash advance. I was also told that they could not help me because the phone number they have on file is different, and they could not check my original number in my application.
Product: Money transfer, virtual currency, or money service

I was scammed by a this guy offering a job. He was going to send me money to get cleaning supplies. He asked who I banked with and he already knew my name and everything. He send me XXXX checks I dont remember the amount but as soon as I deposited the checks on the app of golden XXXX I was logged out I couldnt get back into it I havent had my account for about 4 months now. The checks he told me to deposit were in my name. Golden XXXX said my account is being looked over and I have never heard from them since. I just want this all too be sorted out I dont know what to do.
Product: Credit card or prepaid card

Opened XXXX account. Made several phone payments that were returned company citing " wrong account. '' XXXX XXXX and myself both provided company with bank routing, checking account number, and account balance to show all information provided was correct. This still did not correct problem. Payments could not be made via phone or online services. Several calls were made back and forth to correct the problem myself providing all the information requested. Problem still happening. Bank recommends having my financial institution submit payment on my behalf. XXXX XXXX agrees. XXXX XXXX still encountered payment processing problems. After several attempts and persistence from XXXX XXXX, a payment was processed to bring the account to close. However, T D bank wants me to pay the late fees that have accumulated over time and have also reported the late payments to my credit report due to a problem that resulted from their company. I don't think this is fair practice. I shouldn't pay for error and lack of knowledge of their clerks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Violation of My Rights Under the FCRA Due to Equifax Data Breach Dear Equifax , I am writing to formally notify you that I am a victim of identity theft and financial harm as a direct result of the Equifax data breach, which exposed the personal information of millions of consumers. Your failure to protect my sensitive consumer data has led to the unauthorized disclosure of my personal information, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
As a consumer, I have a legal right under the FCRA to expect that credit reporting agencies, such as Equifax, will maintain accurate, secure, and fair handling of my personal and credit information. Your failure to adequately protect my data constitutes negligence and a direct violation of these rights, particularly under : 1. 1681b - Permissible Purposes of Consumer Reports : Unauthorized third parties may have gained access to my credit information due to this breach. 
2. 1681c-1 - Fraud Alerts and Security Freezes : I now have to take extensive measures to prevent further identity theft due to Equifax 's failure to protect my data. 
3. 1681n - Civil Liability for Willful Noncompliance : Your failure to properly secure sensitive consumer data may result in legal liability for damages caused by this breach. 
As a direct consequence of this breach, I have experienced fraudulent activity, such as unauthorized accounts. This breach has caused severe financial and emotional distress, and I am demanding immediate corrective action. 
I formally request that Equifax take the following actions : 1. Remove These fraudulent accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX 2. Provide a detailed explanation of the steps Equifax is taking to mitigate the damage caused by this breach and how affected consumers are being compensated. 
3. Compensate me for any financial damages or losses suffered due to this breach and provide identity theft protection at no cost for a minimum of five years. 
I will be pursuing all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for violation of the FCRA and failure to protect consumer data. 
I expect a written response within 30 days confirming the actions taken in response to this letter. Failure to respond adequately may result in further legal action. 
Sincerely, XXXXXXXX XXXX
Product: Debt collection

Lady called and got me to verify my information by telling me the phone call was about a credit attached to my XXXX account. After verifying my XXXX she let me know it was actually to settle a debt. This was on speakerphone with my partner being able to hear. We are already having issues.
Product: Credit card

In XX/XX/XXXX I made my payment of XXXX and payment was due XX/XX/XXXX XXXX and this company capital one is XXXX XXXX XXXX the next day I receive a late fee of XXXX and I called explain to them there was a issue or something my payment was made on time Pacific standard time and I was told oh payment concerned late at XXXXXXXX and I said thats against the rules of regulations I know for a fact XXXXXXXX is still concerned the same day the policy they have is unlawful and I have closed my account and will not do business with them again! However I do want my account reverse with that charge removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX ( XXXX : XXXX XXXX ) XXXX XXXX : {$130.00} XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$240.00} KXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$4300.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX ).
Product: Credit card or prepaid card

Hi, I purchased a {$500.00} prepaid Debit Visa gift card  ( US Bank )  on  XXXX   XXXX   XXXX  from  XXXX  #  XXXX   XXXX  TN. The Card is valid through  XXXX . The card has not been signed and, AUTHORIZED SIGNATURE NOT VALID UNLSESS SIGNED is printed on the back of the card.     I tried to use the card on  XXXX  to buy furniture at   XXXX   XXXX  . The card was declined and the card had a   XXXX   balance on checking it online login and then calling to  XXXX  on  XXXX / XXXX / XXXX , I also requested to report a complain which the agent had to do it on her end but never got a response.     The card had a $   XXXX   monthly fee for inactivation. I still should have {$350.00} balance if the  XXXX  $ fee was charged for 5 years.     My husband tried calling the customer service number on the credit card but that didnt yield anything. They were able to tell the card was used 8 times but ; however, they could not provide any transaction details because that information had been purged due to being past 12 months in age.
Product: Credit card or prepaid card

Date opened : XX/XX/2021 Amount : XXXX Credit Limit : XXXX The Balances on my Account were Fraud Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX - {$14000.00} Opened - XX/XX/XXXX ( 10 yrs, 3 mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Credit reporting or other personal consumer reports

Sent a debt validation letter to XXXX XXXX for account # XXXX my report states that I owe a debt of {$220000.00}. I have no knowledge of this account and it needs to be removed
Product: Money transfer, virtual currency, or money service

I had an item on a selling app and a guy sent me a check and I cashed it ... later it bounced and destroyed my chase bank account. It was for {$2500.00} and the guy got away with it and chase didnt do anything to tell me anything about my closed account and just hung the phone up on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I discovered that I was a victim of identity theft and promptly contacted the debt collection company by filling in their affidavid and supplying information that the debt did not belong to me. 

This was for unpaid apartment debt of {$7000.00} in XXXX Nevada, incurred by a person using my SSN and name. I have never lived, visited or have any contact in Nevada. As part of the information that I sent to National Credit Systems ( the debt collector ) on Friday XXXX of XXXX was a police report, and evidence ( utility bills ) of residence of my home here in XXXX XXXX California proving the debt does not belong to me. The information has also been sent by certified mail, to the debt collector. XXXX XXXX XXXX : XXXX XXXX XXXX. Today, XX/XX/XXXX I have received a threatening letter from XXXX XXXX XXXX XXXX XXXX, seeking to collect this debt from me despite her having in her possession documents that prove that the debt is a result of Identity theft, and stating that she has furnished information to credit reporting agencies. I have just spent the last few days working with these agencies to remove the false information to restore my credit rating and she is now reversing it downwards, in a threatening manner. This is clearly intimidation tactics to pay for debt that doesn't belong to me. The company is National Credit Systems , Inc XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.