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

I am
one of the many citizens impacted by the Equifax hack. I was never directly contacted by the company to inform me of this, even though they have my personal information. This XX/XX/XXXX, I was the victim of credit card fraud of over {$7000.00}. I do not know if this event is related to the Equifax
hack, but the timing is suspicious. Fortunately, my credit card company has reversed these fraudulent charges, but I have spent many hours on the phone resolving this issue.
In addition to signing up for the free credit monitoring service for 1 year, I plan to freeze my credit tomorrow morning. From what I have read, this might have a charge associated with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 letter to Experian and a 30 day demand to comply. via certified mail. I sent it a second time and still no response. I have received nothing in the mail and no communication in the Experian app of a dispute being opened.
Product: Mortgage

I called Amerisave asking about a refi on my investment properties. They made all kinds of promises and after the appraisal the promises was changed. The have done numerous credit checks, one report they done it twice in one day. I gave them permission to do the credit check on XX/XX/XXXX, but not on XX/XX/XXXX and mainly not twice with one bureau. Every week I was assigned someone else to work with, information was messed up and lost due to this being done. I was told my score was to low after spending a month with them and spending {$650.00}. I checked the scores, and they did not match what they said they was, they stated they was not under any obligation to share the report. The score they told me was mine, was not. This company is so unorganized and should be investigated before they take advantage of others. The have a awful rating on sites I found, I should have taken that as a clue not to deal with them, but they made me such a great deal on the first call and down hill from there.
Product: Credit card

I received my Bank of America Travel Rewards credit card back in XXXX of XXXX. I wanted to wait a couple months to activate my card, so I called and verified that if I wait a couple months, then I 'd still have 90 days from the day of activation to acquire my XXXX points. The customer service rep that I spoke with verified. XXXX/XXXX/XXXX I activated my card and they said I have 0 % interest till XXXX XXXX. I called today to see if they could extend the 0 % interest to 12 months from activation, but they told me no. I said that I 'd like to verify that I still have 90 days from activation to acquire the XXXX points and they told me no, that it was from the day the account was created and not activated. I was misinformed by the representative that I spoke with back in XXXX. I 'm upset about being given the incorrect info back in XXXX, so I asked to speak with a manager, so I was transferred to XXXX XXXX from the West Virginia call center. He told me there is nothing he could do and that that no one would be able to adjust this for me. I explained I was upset about being told the wrong info when I called in XXXX and that this makes this Travel Rewards card useless to me. I told him that I was going to file a complaint, but he said there is nothing that can be done. It 's disappointing about the 0 % interest is from the date of opening the account and not activating, but I 'm upset about being told the wrong information about the XXXX reward points ( the whole reason I got this card ). If nothing can be done, then I might as well just close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. XXXX XXXX is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from XXXXXXXX XXXX or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.
Product: Debt collection

In XX/XX/year>, a collection account from Wakefield & Associates appeared on my credit report with an outstanding balance of {$1200.00}. The original creditor is listed as XXXX XXXX XXXX. I do not recognize this debt, nor have I ever had an account or any dealings with XXXX XXXX XXXX. The account is marked as past due as of XX/XX/year>, and no payments have been made because this debt is not mine. 

I have not authorized this debt, and I believe it may have been added to my credit report in error or as a result of identity theft. In XX/XX/year>, I contacted Wakefield & Associates and disputed the account with credit bureaus. 

I request that this collection be removed from my credit report and all collection activities stop immediately. I am willing to provide any additional information needed to resolve this matter.
Product: Debt collection

XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. Sprints service was very spotty when I was XXXX overseas. 

XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. 

XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. 

XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. 

XX/XX/XXXX - XXXX XXXX XXXX contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  XXXX XXXX contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. XXXX XXXX XXXX threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. 

XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. 

XX/XX/XXXX - I received another collections attempt from a different company called Source Receivables Management which leads me to believe XXXX XXXX XXXX has followed through on their threat.
Product: Credit card or prepaid card

I dont remember the exact date because it was last year. There is a XXXX XXXX XXXX synchrony bank. They are used by XXXX to finance repairs and some other places. My use was XXXX. I have tried paying off my credit multiple times and they wont let me access the account. I cant use the account nor access it in any way. I tried over the phone I tried on the website. There is no way to access my account. My XXXX XXXX has dropped to a XXXX because of it. Im XXXX and with my XXXX XXXX credit card Ive had no issues making payments. Due to losing my vehicle I was not making much money so my credit usage is through the roof. But I have not missed a payment. I also use affirm which again I have not missed a payment I usually keep cash so my account stays low but I keep money in if I know I will use it. I can show my credit card and affirm issue and show I have no issue. Synchrony on the other hand Ive made XXXX or XXXX payments but since then I have been locked out. I have more than enough to pay it off now but am not able to. I copied & pasted my information from chase to make the payment but nothing is working. When they called I told them I would pay it in full then they suddenly have no history of my transaction. I dont know how to pay it or get it removed from my account. Please help remove this company and provide a way for me to fix my ruined credit score. I am not able to get a new vehicle due to this. The vehicle I have was payed off within a month of purchase. The issue is not funds but approval
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. 
In XXXX of XXXX I placed a Credit Freeze on my credit report with Experian. 
In XXXX, some criminal took out a credit card in my name and address with XXXX XXXX XXXX XXXX XXXX. 
I informed XXXX XXXX on XXXX about this situation and they informed me that they would perform an investigation. 
On XXXX they sent me a letter stating that they see nothing wrong with the account and I am responsible for the account balance. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. 
My Check number XXXX cleared my bank on XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with Transunion, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromTransunion stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.
Product: Money transfer, virtual currency, or money service

I was scammed out over {$160000.00} from XX/XX/year> to XX/XX/year> via international wire transfers on 11 transactions from Bank of America ( BoA ) for fraudulent investment scams. While a customer is being scammed, he/she does not realize that he/she is being scammed, BoA does not provide any fraud transaction detection nor any fraudulent investment detection system for customers to check or self-examination. My international wire transfers were too weird, and they should be easily identified, but BoA did proceed the abnormal transactions, resulting in customers losing the savings. 
Additionally, some intelligent wire transfer systems have been developed to accurately detect fraudulent investment wire transfer transactions within seconds by XXXX XXXX XXXX XXXX  ( XXXX ) within seconds, BoA may take actions to combat pig butchering fraudulent investment and protect customers ' life savings.
Product: Debt collection

An online order in the amount of Approximately {$2000.00} was placed with XXXX on or about XXXX, 2016. Said order was subsequently cancelled by the merchant due to the previously opened dispute stemming from defective merchandise etc ... I have never received said order or signed for the merchandise. 
Collection agency was requested to submit proof of purchase along with their DCA license number numerous times, however, failed to do so. Their correspondence was received in rapid ... less than a week between letters sequence ... that not only violated any and all rules and procedures listed in Administrative Code, but made it look like Debt Collection Agency did n't receive my response and/or did n't feel like responding to my correspondence ...
Product: Credit card or prepaid card

In XXXX of XXXX, I was coerced to open allow them to open several credit card accounts, to purchase {$2000.00} worth of Gift cards. I had been in communication online with someone that I thought was interested in being my wife. After She had sent me several XXXX pictures of herself, she convinced me to send XXXX of myself. She never asked for money for the XXXX pictures and was speaking to me as if she was going to move to where I live and marry me. I am a high functioning XXXX When my mother saw all the credit cards in the mail, she took actions to stop all the madness. The " girl '' sent the pictures to my mom to try to XXXX her, but my mom still insisted that I block this girl, cancel all the cards. My mom still has the pictures she sent my mom on her phone. The gift cards, were purchased with my XXXX Bank card which I am paying off. 
All the other credit cards canceled the card immediately, except for capital one. I had to make several phone cards to capital one to close the account. Finally, my mom got on the phone and told them that my identity was stolen and that this account needed to be closed. I did not open this card. Before capital one closed the account someone used the card. They opened 10 cards in my name before I froze my credit account through XXXX. I have disputed this through the 3 big credit reporting agencies. I have asked all three credit reporting agencies to freeze my credit. I finally found out that the card was used to purchase, without my knowledge, a XXXX phone at a XXXX store in XXXX California. We found out because XXXX sent us a letter. I am unable to access my Capitol one account and they refuse to send me a detailed statement. Stating that the billing address, and the email are not my billing address or email. I have lived at this address for 2 years, I have lived in Nebraska since XXXX. I do not drive, I am not able to fly on my own. However, Capital One keeps sending a past due amount to my address. Capital One just won't tell me exactly what was purchased. However, as I previously stated, I received a letter from XXXX. We contacted XXXX and learned that a XXXX phone was purchased on the same day as the charge Capital one has verbally told me over the phone that the charge occurred. It is also the same amount as the XXXX phone and XXXX verbally told me that the a Capital One card was used in California to purchase the XXXX phone.
Product: Debt collection

This account is not mine. I've contacted XXXX XXXX  and they do not have any accounts the Belong or belonged to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Issued card with {$12000.00} limit. Tried to use card 4 different times, calling the CC Company between attempts. Issue never resolved. Ultimately returned cards and advised Synchrony to close account.
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See attached for full chronological sequence and details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to furnish Previously Disputed unauthorized non public confidential Consumer account information. Child Support and XXXX accounts are adversely effecting my Consumer Report
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 practice, which violate 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 seek appropriate redress for these violations
Product: Checking or savings account

I received a letter dated XX/XX/2020 from Citi indicating they decided to close my account. No reason was provided other than a " review '' of my account. I have had this account for about a decade and have used this account to direct deposit a portion of my paycheck every two weeks. So, the company has followed me for a number of years and knows my addresses and employers. I am not a new customer ... I have a long history with Citi including my employers. I was provided Reference number XXXX. I immediately sent a letter to Citi ( and have since sent three more letters ) asking for a reason for the closure but they have not replied. The letters were addressed to the mailing address at the top of the XX/XX/2020 letter as well as a XXXX XXXX customer service address. The timing of this closure is particularly problematic -- the heart of a global pandemic. My company 's HR department is working from home so it was difficult to redirect my direct deposit. Given my long-standing relationship with Citi ( over 25 years with credit cards and checking/savings accounts ), I am shocked they closed these accounts with no reason provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint so that my XXXX Late payments from XXXX are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX 30 day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they dont seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has me listed as deceased. I followed the directions on their website 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 ; submitted a notarized affadvit of my continued existence, along with copied of birth certificate, XXXX Passport, NY XXXX XXXX XXXX, Social security care, rent stub and utility bill as proof of identity. Originals of all documents were presented to Notary Public and certified as being true. 
Experian responded by email that the contents in my Experian credit report were not their concern and I had to contact source of the erroneous data myself. They ARE the source. For literally decades ( on and off ) I had sought the removal of a credit card default that my father incurred XXXX  years before my birth. My father ( same name ) is deceased ; instead of deleting the erroneous data, they deleted me. 
For 2 years or more, I have not been able to get credit because of this and I am blocked from access to my Social Security account online. As I am alive, I need this resolved
Product: Checking or savings account

On Monday, XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The perpetrator ( an online conversation, false persona whom I agreed to meet in person ) used my phone-to-face identity to get into my Chase College Checking Account . He stole/transferred {$500.00} and initiated a wire of {$5000.00}. I was able to escape after a few hours and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following morning, XX/XX/XXXX  I was at the bank with my mother as soon as the bank opened up. They were successful at stopping the {$5000.00} wire transfer. On the matter of the {$500.00} it has not been returned to my account as they are refusing it. I have provided the bank police reports and have had to relive the nightmare and tell the story to at least five or six different Chase  representatives who kick the can to someone else or just say they won't give me the money back. I am a XXXX XXXX XXXX  who has targeted by a really bad person and I don't have it in me to keep going around in circles with a bank that is not abiding by the law regarding fraudulent charges made under duress -- Regulation E unauthorized transfer where consumer has been induced by force.
Product: Credit reporting or other personal consumer reports

Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a XXXX XXXX  no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Checking or savings account

I am wanting to file a complaint against Navy Federal regarding multiple overdraft charges. I have incurred. Despite have a sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits This aligns with the recent CFPB findings against Navy Federal for similar practices, were a transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.