23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) 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. I am filing this FTC Identity Theft Affidavit to report nine fraudulent accounts and one fraudulent hard inquiry appearing on my consumer credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; XXXX student loans opened at XXXX XXXX XXXX  on the following dates : XX/XX/XXXX under account number XXXX, XX/XX/XXXX under account number XXXX, XX/XX/XXXX under account number XXXX, and XX/XX/XXXX under account number XXXX ; a student loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; a student loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ; a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. Additionally, there is a fraudulent hard inquiry from XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. These accounts and inquiries have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

I was once approved for the {$500.00} overdraft with navy federal and everytime i overdraft with the agreement i was still charged overdraft fees each time even times i wasnt trying to over draft from other fees
Product: Debt collection

The company never send information for me to go to court and never sent itemized list of why I owe the amount they claimed is my debt. 
I have asked several times and have gotten no resolution. They harass me and my daughter about debt constantly but have not sent any of the requested information.
Product: Credit card

We've put in considerable effort to build our credit, so it's disheartening when companies shift blame to consumers for their mistakes. Recently, we encountered an issue with Fortiva, as they unexpectedly removed auto-pay from our account following the passing of our mother in XX/XX/XXXX. Despite our account not being designated for bill payments from our mother, they claimed they were preparing to close it upon receiving notice. The funds in question came from our bank account, not hers. It turns out that their notification ended up in our spam folder, unbeknownst to us. When we requested the removal of the resulting late payment, they refused, insisting that we were duly informed. It's frustrating to see Fortiva jeopardize someone's credit for just {$49.00} a month, an amount we could easily cover without a second thought. 

Moreover, this incident led to the denial of our request to reinstate auto-pay. It feels like Fortiva expects us to make another mistake just to prove their point about our timeliness. 

This is the email for this month to help find account : Dear XXXX, The payment date for your Fortiva Retail Credit account is approaching. Your payment of {$49.00} is due on XX/XX/XXXX. If you have already made your payment, please disregard this email. 

Click here to make your payment now. You may access your account online anytime by visiting www.myfortiva.com/my-account/. 

XX/XX/XXXX Account ending in : XXXX You may also make a payment by : 1. Calling Fortiva Customer Service 2. *Sending a check or money order to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 3. XXXX Please be sure to include your account number with your payment. 
*Payments will be processed within 7 10 business days. 

Your experience with Fortiva is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXXXXXX XXXX. to XXXX XXXX EST ( Eastern Standard Time ). 

Thank you for choosing Fortiva! 

Sincerely, Fortiva Customer Service Please do not reply to this e-mail as we are not able to respond to messages sent to this address. 

The Fortiva Credit Card, Fortiva Retail Credit and Fortiva Personal Loan products are issued by XXXX XXXX XXXX XXXX XXXX, MO. XXXX
Product: Money transfer, virtual currency, or money service

XXXX dollars was taken from my account on a promise that goods will be delivered ... and those goods were never actually delivered. Hence I was engaged in fraudulent purchases I've tried to request a refund which has not been answered and I reached out to cashapp support so that they may help me and have not reached a conclusion. This person has has taken money from my account freely and has no intention of giving that money back. I was unaware that I was not protected from cashapp and would like to gain my money back and even help cash app identify these scammers using any information that I can give them. It was first a payment of XXXX dollars and then a payment of XXXX dollars. I feel foolish for trusting in the person, but I have proof that the person did not promise on any of the goods and has stopped all contact with me Please be aware of cashapp and theyre lack of customer service- it'll be a fight to get a chargeback from your bank. Currently in that fight and hope to get this resolved as quickly as I possibly can
Product: Credit card or prepaid card

I applied for PayPal 2 % cashback MasterCard and was approved for a starting limit of {$5000.00}. I received the card which clearly states it's a cashback credit card on the back as well as the design for such card. Even the billing statement states all the benefits for such card, which is no minimum redemption amount and no rotating categories. However, I was given the benefits of another card which is the PayPal Extras MasterCard which is based on points and rotating categories. I called their customer service and spoke with one the agents, her name is XXXX, who stated that I earn points plus the 2 % cashback and that the cashback is converted to points. I also spoke with one of the supervisor, his name is XXXX, where he confirmed what XXXX just said. So, I applied for the PayPal 2 % cashback MasterCard and was given the perks of another card which I clearly didn't apply for. Also, If they applied for the PayPal Extras MasterCard, Why didn't I get the correct card design, or how my statement thinks I have the cashback version of the card and at the same time treating it as the Extras version.
Product: Debt collection

Ref # : XXXX has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name XXXX XXXX XXXX. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " XXXX XXXX Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 
As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that XXXX recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}.
Product: Checking or savings account

After contacting USAA and being told by their automated phone system that it would be a " 2 hour wait before I could reach someone in the fraud detection department '' : I decided that a complaint needed to be filed. When a bank does not take fraud seriously enough to have immediate representatives ready to help - something is amiss. On my account, I have XXXX repeated transactions from XXXX XXXX XXXX in XXXX, Wisconsin. Their payment transaction software has a glitch of some sort such that I was charged 13 times for an order that never actually " went thru ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull my credit report because I was denied a XXXX loan. On my report it shows the company that is reporting the negative information and I call they said they was supposed to report it and received the information from the state. When I called the state, they said they do not give the information out to anyone. I called the CRA again, and they stated that the information came from another agency. I want the information deleted. I do not give them permission to report the account on my credit report.
Product: Vehicle loan or lease

Back in XX/XX/2020, I noticed that my balance was increasing instead of decreasing in my monthly statement. I contacted Hyundai Fiance immediately and was told they were going to investigate the matter. Per the Hyundai Fiance, this should have taken a week to resolved. As XX/XX/2020, I have yet to hear from them and this matter still has not been resolved. I have been calling them for the past month in reference to this matter and have not gotten anywhere. Per the last supervisor for the fiance company they were aware of the issue and are still waiting on a response from the department that investigates matters like this. I was also told that they had a software update and that this cause the error with accounts. I have never missed any payments and want to know where my payments are going to. I am tired I calling the customer service phone number and seem to get no where. I have also spoke to supervisors and keep being told the same thing without my matter being resolved. It's been very upsetting and frustrating, when I work hard every day for my money to be ripped off by a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. 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, update 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.
Product: Debt collection

My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX Debt Collector 's Name : PORTFOLIO RECOV ASSOC Account number : none ( PORTFOLIO RECOV ASSOC ) Amount : {$10000.00} Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from [ XXXX XXXX XXXX XXXX ) but I am unaware of the amount due since there is no breakdown of any fees. Additionally, Please provide a breakdown of fees including any collection costs and charges. Provide a copy of my signature with the Original Creditor to release Information to you, Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from Original Creditor can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the Original Creditor In connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to valldate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY UNDER 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH ANY ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS UNDER15USC1666B A CREDITORMAY NOT TREAT A PAYMENT, CREDIT CARD UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE.
Product: Checking or savings account

I received a letter from a federal credit that a account was frozen I Never opened then she told me to look up my account I see a lot of inquiries.
Product: Debt collection

I HAVE REPORTED THIS BEFORE SAME DISPUTE DIFFERENT COLLECTION AGENCY MY IDENTITY WAS STOLEN & I NEVER HAD A XXXX XXXX. ( See Below ) XXXX XXXX, I was assigned to investigate the XXXX XXXX account associated with the fraud packet that you submitted to XXXX XXXX. I attempted to contact you via the telephone number provided in the packet but was unsuccessful in reaching you. Unfortunately in order to proceed with the investigation you would need to file a report regarding Identity Theft with the XXXX XXXX XXXX XXXX XXXX  Department ( due to the fraud address being in their jurisdiction ) and provide us with a copy of the report. Once the report is filed with the XXXX Department XXXX XXXX XXXX will work with Law Enforcement in order to pursue criminal charges against whomever used your Identity without your consent. If you have any questions please feel free to contact me at XXXX, or via the cellphone number provided below. Have a Great Day!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Mon XX/XX/2021 XXXX XXXX  Sir, like I mentioned in my original statement, I'm A XXXX XXXX. We are in a XXXX, Due to my XXXX & XXXX XXXX, I went completely out my way to have the affidavit notarized. When my vehicle was broken into, it was under a {$100.00} worth of valuables stolen. I don't deal with the POLICE. I have had BAD experiences with XXXX XXXX XXXX XXXX XXXX Department. This is a total Nightmare, all I like is to get this off my Credit Report. XXXX does not have any compassion for Identity Theft, XXXX XXXX  or the fact we are in a Life Threating XXXX.
Product: Debt collection

I owed about {$1000.00} to a credit card company. The discharged this debt to ARC ( I can not remember their actual name. Just the acronym. Whenever i question them about who they are, they refuse to give me information about their company, won't tell me their full company name, contact information, or anything like that ). 

Their website is here : https : //www.arccollects.com/ I would give you names, but it seems like they are using fake names, because when I have called back to speak to the last person, even if 30 seconds later, they are always " at lunch '' or something. 

They called me a few months ago, were extremely rude, and refused to tell me who they are or what they wanted. I told them not to call me, and to send me written correspondence if they really wanted to talk to me, and that my current address has been the same since before I owed the money to the credit card company. They never sent anything. 

Last week they called my XXXX year old grandmother, lied to her saying that I gave them her number if they need to get in contact with me, which is not true. My phone number has not changed in almost 10 years, so they could have called me directly, but didn't, instead calling my grandmother as a scare tactic. I subsequently called them back and the gentleman I spoke to the first time picked up, played the same game of not telling me who they were, and of course, the person that spoke with my grandmother was not there, so they transferred me to someone else. 

I told this lady that there was not excuse for them to contact my grandmother in an attempt to get me to pay, that I am out of work, and can not pay now. She continued to tell me " that's how collection works '' ... I told her that harassment is against the FDCPA, she basically just said the same thing until I told her to not contact me or my grandmother or anyone in my family again. That was last week ( XX/XX/2020, from XXXX ). They also use numbers from MY area code to get me to pick up. They are from Georgia if I am not mistaken, and have no offices out here. 

This morning, I received a call from a XXXX area code, and when I picked up, they hung up. I called back, and sure as heck, it was the same guy that I spoke to the 2 times earlier. I asked if they were ARC, and he ignored the question, asking me for MY information. 

This company has already violated multiple aspects of the FDCPA, ignored my requests for a cease of further contact, and have tried to harass me multiple ways, so far the worst of which, is calling my grandmother and lying to her. I will do whatever I have to do, even if I have to sue them, for them to realize what they are doing is not cool and illegal.
Product: Checking or savings account

I received my settlement check from the University of XXXX  and deposited into my savings account on XX/XX/XXXX. At that time, the teller released {$200.00} and stated that {$4800.00} would be available XX/XX/XXXX and the remaining XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I went to the bank to meet with a banker regarding opening a checking account with some of the funds that should have been available. He stated that the back-end office put an additional hold and not only is the {$4800.00} not available but now I have to wait until XX/XX/XXXX to receive any of my money! The banker called XXXX XXXX ( who issued the check ) and they stated that the account of the issuer was good and had the funding available but the back still refused. I do not think that I should have no access to my money for this length of time when the university, lawyers from both sides of my case, and the issuing bank Can verify the check is valid and payable. At least XXXX should have been made available. I need assistance in resolving this issue.
Product: Credit card

I paid off my balance in full XXXX XXXX,2025. This transaction was done on the phone with a customer support member from Citibank. I know it was paid in full and the customer service rep said I could cut my card up as I would no longer be able to use it anymore ; a month later I got a bill for XXXX XXXX which they charged me for interest, a month after that they charged me XXXX XXXX more in interest. I refuse to pay the {$5.00} in interest when there was no balance owing. I was a loyal customer for two years and they made plenty of interest on me. This is outrageous that they are trying to get an additional {$5.00} plus out of me.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I was never late on this account. XXXXXXXX XXXX  never presented any record that I have ever been late paying this account. The fcra states a company need to send a 21 day notice of a late payment before placing a late payment on a credit report. XXXXXXXX XXXX XXXX  please show proof that I received such notice in the mail. These late payments are hurting my credit my next step will be ligation, of which I'm pertaining to arbitration. It shall be in your be interest to update each late payment as ok and or paid as agreed. Arbitration fee will cost you close to {$2000.00} as well as daily fees. Please update these payments as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Equifiax is reporting Inaccurate information on my report. I have unknown Inquiries on my credit report which I have no knowledge or contracts with and never gave Equifiax consent to furnish these false inquiries on my report.

This is a notice for arbitration if this situation is not corrected immediately
Product: Credit reporting or other personal consumer reports

I am still receiving emails saying I am helping credit repair companies, which is not true. I send out the letters myself. 

Please fix this immediately, or I will have to take legal action. 

Here is the list of negative accounts and inquiries I want removed. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/2023 Experian : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/2023 XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/2023