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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. I've have written to XXXX, Equifax, and XXXX by certified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A states, " I have the right to privacy ''. 15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish a/any account without my written instructions. 15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate. Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.
Product: Debt collection

Upon checking my created report. I see a collection from this company IQ data who I never done business with, and they are requesting XXXX and some odd dollars. They claim to keep sending me mail and Im not receiving it. This company wants me to give them my current address so they can try can legally attach this debt to me. I dont feel comfortable as a consumer to provide the company with such personal details about my self. Per the XXXX. This company IQ Data is NOT licensed to collect any debts in Florida. I dont know this company and they negative reporting is hindering my ability to move and since a job paying job.
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint against Apple Card regarding an incident that occurred on XX/XX/2023, which has left me deeply concerned and dissatisfied with the services provided by the company. 

On the aforementioned date, I received a notification from Apple Card stating that my card had been " restricted. '' The notification did not provide any specific details or reasons for this restriction, leaving me bewildered and worried about the status of my card. 

The only potential reason I can fathom for the restriction is a transaction I made on Friday morning ( XXXX monthly installment for {$880.00} ), which may have been deemed unusual by the company 's systems. However, I promptly verified this transaction through the Apple Card app, confirming that it was indeed me making the charge. I expected this action to resolve any issues related to the transaction and assumed that my card would function normally thereafter. 

Subsequently, I received a phone call from Apple Card, which I missed due to a prior commitment at work. I have since been diligently attempting to contact the company to gain clarification regarding the card restriction and to resolve this matter. Unfortunately, my attempts to reach out to Apple Card have been met with limited success. The only response I have received is that my card is currently under review, with no indication of a specific timeframe for resolution or further communication. 

This situation has left me feeling not only frustrated but also concerned about my financial security and the protection of my personal information. The lack of transparency and information provided by Apple Card regarding the reasons for the card restriction is deeply troubling. It leaves customers like me in the dark and without proper knowledge of why our cards have been restricted, thereby hindering our ability to address and rectify the situation. 

I firmly believe that this situation is not only unfair but also unacceptable. As a loyal customer, I deserve to have my concerns addressed promptly and to be informed about the status and reasons for any actions taken on my account. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and ensures that Apple Card takes appropriate measures to rectify this issue promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. Thank you for your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that TransUnion and XXXX immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that TransUnion and XXXX investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

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

My child support comes out of my check every week. I have proof that it is in fact being paid. Experian will not adjust it. Its affecting my credit negatively to where no one wants to help me get a house.
Product: Credit reporting or other personal consumer reports

My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use. There are also numerous inquiries I have no knowledge of. 

Inquiries -- -- -- -- -- -- -- -- -- XXXX. XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I gave no permission for any of this information to be on my consumer report. The information on my consumer report is thus in violation of aforementioned laws and must be removed.
Product: Credit card or prepaid card

There are XXXX credits that were submitted by a vendor : ( XXXX XXXX XXXX ) The credit has not appeared on my statements nor has anyone at Barclays apparently done anything to resolve the issue. XXXX credit for {$250.00} was issued by XXXX on XX/XX/XXXX The other credit {$500.00} was issued by XXXX on XX/XX/XXXX
Product: Credit card or prepaid card

I have an outstanding dispute with Barclay 's Card for a total of {$1100.00} through the merchant XXXX XXXX. We had booked a multi-stay vacation with a XXXX night hotel booking with XXXX XXXX. We attempted to cancel the stay with the vendor in XX/XX/2022 due to covid restrictions to travel to the country and the stay was scheduled for XX/XX/2022. We attempted to contact the hotel on multiple occasions and received no email correspondence from the hotel in return to either refund or reschedule the visit. 

On XX/XX/2022 we disputed the transaction with the merchant after waiting for more than a month for a response. 

We eventually did receive a message back from the hotel on XXXX XXXX XXXX XXXX since our request to cancel due to the inability to get a travel visa. We explained to Barclay 's that despite the non-refundable rate, the services were poor enough to violate the terms of services for the merchant as it wasn't logistically viable to book a trip to XXXX, XXXX a week before our expected stay. The vendor 's failure to respond to two emails requesting a response wasn't acceptable. 

Once disputed, Barclay 's card investigated the transaction and called us back to get a response from us prior to settling the case. We called back multiple times within the window they provided to us ( see the times and dates on the dispute letter and the stated hours of operation ), left a statement with one of their customer service representatives and they closed our case for not responding to their original message despite contacting them multiple times within the timeframe they provided to us and left a statement with one of their associates.

After many calls, Barclay 's agreed to repoen the dispute and have since provided no response despite being out of the 90 day timeframe included in their card 's terms and conditions.
Product: Debt collection

I have been paying on a debt I do not owe for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they do not belong to me Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Product: Debt or credit management

Again closed the credit builder account I have the screenshot says account closed in good standings.. 
And when I close it I got a refund check. 

Couple months go by they say I owed 3 months of payments and I was late XXXX XXXX XXXX XXXX XXXXXXXX XXXX! 
Talk to the people at this company ( self-financial ) lead bank ) and they were the most rudest people I've ever dealt with in my life. And now my credit suffering from their mistake is not right because they will not listen
Product: Mortgage

Wells Fargo is an awful mortgage company thats seeking to force my husband and I to sell our home in a short sale or lose it in foreclosure. Our mortgage has ballooned from {$3500.00} to {$6200.00}, which has made our payment unaffordable. Before the ballooning of the mortgage ( 10 years ) we were never late. Wells Fargo has constantly denied our modification because our income does not meet the qualifications, yet we earn more now than when we purchased our home in 2005. 
Through this process we have come to believe that something fraudulent occurred during the purchase period that we had no knowledge or understanding about. Wells Fargo was not our mortgage company at this time, our mortgage was sold to this company. 
Wells Fargo has been allowed to perform plentiful unlawful activity to consumers. If we in any shape, form, or fashion performed in the manner this company has we would be jailed. 
This situation is causing such emotional hardship on our entire family. We are pleading for help to save our home.
Product: Mortgage

My mortgage loan was paid off XXXX XXXX. I was told to expect my refund within 10 working days from our notary, who was previously an escrow officer. I called the mortgage company on XXXX XXXX was told that, by law, they would not be releasing my {$4000.00} escrow account balance for 30 days. That is totally unacceptable to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I tried to log into my Coinbase account ( bitcoin, lite coin, brokerage website ) shortly after which I was denied access to my account and my XXXXbit coins, XXXX eithirium and XXXX coins ( now a value of over {$20000.00} ) later I was sent an email telling me that account had been locked due to eligibility restrictions. I have sent emails and called multiple times with the promise that my account will shortly be reopened and my issue resolved, It has been over 2 months at this point and they havent made any efforts to work on my problem or even update me.
Product: Mortgage

I have a loan modification with bank of America few years ago since the beginning I did not missed any payment but bank of American lying and keep saying other wise Every time I make a complaint about it they send their lawyers trying to intimidate me they say I made a Bankruptcy lying about it with not prove they claimed I own them or Im behind but every year they keep adjusted after the new number of my escrow or insurance they say I have a balance but they wont tell me why their lawyer only send all the papers that does not explains where the shores come from today XXXX of XXXX send me a paper that they will change my contract after their contract is not suppose to change and in his paper about changing the fist ring the say pr talk is about a bankruptcy bank of america gave me a loan modification that wanted to break now with his lying or fraudulent ways to bank or lend money
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times. I called, uploaded documents, and sent Certified mail to them, yet they still have not removed the inaccurate address and anything else that needed to be removed.
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 violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$20000.00} DEPT ED/XXXX  XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 numerous credit card companies. This fraudulent account consist Jefferson Capital System which was opened XX/XX/year>. This account have resulted infraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

Attempted to obtain my free credit report via XXXX and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by XXXX  Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

Experian is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breach of 2017 ; confirmed to be affected via www.equifaxsecurity2017.com I want to file a complaint against Equifax for their lack of security and delayed reporting of security breach and loss of my personal information.
Product: Mortgage

On XX/XX/XXXX, My son, XXXX XXXX, XXXX XXXX XXXX, and I purchased a townhouse located in XXXX, VA, XXXX with a loan from XXXX XXXX XXXX. I put down 20 % and XXXX XXXX provided the 80 % as loan. This loan was later purchased by Chase. On XX/XX/XXXX, XXXX XXXX and I, ( known as Buyers ), submitted an application to assume loan for the property with the purpose of relieving XXXX XXXX XXXX ( known as Seller ) from this loan obligation. The application clearly states that XXXX XXXX is the occupier of the said property and I reside at another property. On XX/XX/XXXX, Chase sent a letter requesting several documents that we spent several days to collected and provided. Sometime between XX/XX/XXXX and XX/XX/XXXX, someone named XXXX from Chase called to request additional documents, which we also provided. On XX/XX/XXXX, Chase sent another letter to request more documents which we completed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter rejecting our application to assume Loan which we are both originally on. The reason for rejection is Property not occupied by all borrowers. 
Again, both XXXX and I are on the original loan, we just ask to remove XXXX XXXX to fulfill her wish. We have not missed or been late on a single payment even after XXXX XXXX moved out in XX/XX/XXXX. We are both employed with steady income. The income presented to Chase along with our credit score and my asset prove that we are more than qualified to assume our own loan. Moreover, when we purchased this property in XX/XX/XXXX, I stated I do not live in the property when applying for the loan and it was approved. Upon several conversation with Chase and ask to reconsider their decision, Chase continues to stand by their decision which I feel it's an unfair practice and somewhat prejudice against our ethnicity or background.
Product: Debt collection

I received a notice on XXXX/XXXX/2016 from U.S Government proposed wage garnishment - I called the # XXXX on the letter and spoke with a XXXX XXXX on XXXX she advised me I owe XXXX and they are garnishing my pay if I do n't respond by XXXX/XXXX/2016 - I sent a letter for a hearing certified mail as to which I have the receipt proof of this date, 7 days later they sent a garmnishment letter to my employer XXXX XXXX I received no chance for a hearing nor did they provide me with proof this loan and amounts are valid, today is XXXX XXXX, 2016 and still no hearing, I am writing to you because I believe this " collection agaency " is committing fraudulent acts and has garnished my pay which is causing a severe hardship on my family since I am the sole income earner. Please help.
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my personal information has been used fraudulently, leading to items appearing on my credit report that I have no connection to. Following Experians guidance, I filed an FTC Identity Theft Report and submitted it along with the necessary documentation. Despite these efforts, the fraudulent items continue to remain on my report.