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

I started working with XXXX XXXX, Assistant Vice President, US Bank, in the XXXX Utah Branch. I initiated a HELOC with her which went fine. When I came into the branch to sign all the closing documentation for the HELOC XXXX asked if I was interested in a credit card with US Bank as I was Pre Approved. I asked her if we continue would it be another credit inquiry or would they use the credit report they just pulled for the HELOC. She advised they would use the credit report they just pulled. This was actually not the case, my credit was pulled again. 
I would expect her level of position, and tenure with the company, to know these details about procedures of when credit gets pulled. This feels really deceptive and potentially a harmful sales practices to provide wrong information, uninformed or misleading.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete specific accounts from my credit report as I have recently been the victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to request the deletion of information resulting from such unauthorized access to protect my identity. 
Below is the list of items I request to be removed : Bankruptcy Record : XXXX XXXX XXXX  Case Number : XXXX Discharge Date : XX/XX/XXXX Amount : {$00.00} 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened fraudulently in my name through XXXX and sold to Resurgent acquisitions LLC. I have never had knowledge of this account but it is reporting incorrectly on my credit report and I have he right to have an accurate credit report. I demand this be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ XXXX  AND XXXX OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Product: Credit card

I received an unsolicited offer of credit with a pre-made credit card with my personal name and company name on it, requiring only a phone call to activate. My concern is that this card offer could be intercepted and activated by anyone, who could fraudulently and easily obtain {$150000.00} credit in my name. I assume this same offer has probably made to many others. Issuing company : IMCA Capital
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 items 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 items : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

The Amazon connected Synchrony Bank credit card is charging $ XXXXmonth in interest payments, though the balance on the card is at {$0.00}. This feels like fleecing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX  Accounts Listed On The Documents, 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

My Name is XXXX XXXX and I need to file a complaint against my recent experience with capitalone credit card. I have been using my capital one credit card since 2011 and this is actually my first ever card ending with XXXX ( Master Card ) 3 days ago I logged into my account and see there was a " Restriction notice " on my account meaning that I am unable to use my account due to unknown reason. and the message says ( This account is currently restricted. ( Ref. No. XXXX ). upon calling their representative I was told to send my proof of identity that I am the right card holder. they ask me to send my copy of social security and driving license via fax/email. I spoke with their on duty supervisor and expressed my concerns that I am not comfortable sending my secure information over email or fax to anyone. she said the other way is if you bring all original documents to visit one or our branch and let their branch representative call at XXXX so that we can activate your account. I found that way reasonable though bank is still 30min drive from my house. today I went to their nearest branch in XXXX, XXXX and the lady had called at the given number but their card representative said I still need to send these copies via email/fax to them and they can not verify my identity and my wife 's identity without getting copies our social security and driving license via fax/email. 
My complaint is 1- what makes them feel after so many years that we are not the right account holder2- why they can not verify our identity when we went in person with all documentation to their branch as per their supervisor instruction? 
3- Now, I have decided to close my account with them after getting last statement but upon asking to give my earned rewards back they said I can not get those unless account is reactivated and for that I must have to follow their instruction. the only reason for closing my account is that i dont want to send copies of my secure information to anyone for this simple transactions based issue. and they wont release my earned reward which I earned after so many spending 's unless I send these. 
So please let me know what are my rights being a consumer and what capital one rights in terms of accessing someone 's private and most secure information? 
Thank you
Product: Bank account or service

I am very concerned with the inaccurate information provide by Citi Corp Credit Services, Citi Centralize Recovery Bankruptcy Department, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX to XXXX of my creditors. 1. Macy 's XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. 2. Shell/CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 3. XXXX/CBNA XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 4. Best Buy Credit Services, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. The information is inaccurate because I never have filed for Bankruptcy, there is no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. I have attempted time and time again to clear this matter up with Citi Corp Credit Services. I am treated like I committed a crime, their personnel is rude and only focus on collection money for credit accounts that have always been paid on time. The XXXX as well as the Macy 's accounts are paid in full. I am lied to over and over again with statements such as we are looking into the matter and no resolution ever takes place. I have been stoned wall since XX/XX/2016. The Shell credit card was reinstated only to be deactivated on XX/XX/2016. The worst part is that I am a XXXX so they are not only destroying my good credit and reputation but my career and in turn my life. I have filed disputes with the credit bureaus, reviewed my credit reports on-line and requested a copy of my credit reports. As you know it will take time to receive my credit reports. I have no way of defending myself. As a 15 years XXXX veteran and someone who continues to work to XXXX, I find it very scary that my life can be turned upside down in this manner. Clearly this is a mistake on the part of Citibank Citi Corp Credit Services yet I can not get anyone to correct this mistake and I have been trying to solve this issue since XX/XX/2016 only to be treated as if my life does not matter. In this country a criminal is presumed to be innocent until proven guilty, yet I am assumed to be guilty of bankruptcy with no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. Please investigate this matter so this issue can be corrected and I can move on with my life. My credit cards with the listed companies have been placed on hold or cancelled due to this inaccurate information, please help me to resolve this situation and place my credit and accounts back in good standing.
Product: Debt collection

Prince Parker & Associates has called me over XXXX times ( from XXXX different numbers ) about debt for another person. I have not spoken to them, but I check my XXXX credit report regularly and there are no collections against me.
Product: Debt collection

XXXX XXXX XXXX violated the Fair Credit Reporting Act. XXXX XXXX XXXX furnished derogatory information to XXXX, XXXX and XXXX. They are required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of negative information was going to take place. This is required under the FCRA, section 623, subsection ( 7A ). XXXX XXXX XXXX did not comply to this statue.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I disputed the following accounts on my credit report, as I do not recognize them : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.
Product: Money transfer, virtual currency, or money service

I was selling a bag through my XXXX account when an interested individual contacted me named as XXXX XXXX. We agreed for a certain price and said that the payment will be through XXXX. I said okay and the next day I sent the bag thru XXXX and waited for the payment. As time goes by, XXXX emailed me that they can't sent the money because of XXXX. 

Dear : XXXX We apologise for the late response as we were upgrading our server which has now been sorted out. We have successfully verified and confirmed that you have refunded the buyer and the funds have been approved to be credited into your account immediately. 

But on the verge of crediting the total pending payment of {$3500.00} USD as we notified you earlier which was paid by the buyer XXXX XXXX. We looked through our Data-Base and found a total pending payment of {$3500.00} USD. There has been another new payment of {$1000.00} USD from the same buyer XXXX XXXX making a double payment from the same buyer. 

We are unable to separate the payments as they have been added to our database and all the funds are pending in your account, as such, we can't proceed to credit your account with your initial pending payment of {$2500.00} USD. 

We are aware of the fact that the new payment of {$1000.00} USD was a mistake on the part of the buyer 's Accountant as he over credited your account. We have then looked into ways of resolving the issue so we can then credit your account with the payment. But as it is now, it has already been recorded in our Data-base and there is no way we can separate these funds. Funds are not returnable to the buyer. In this case, you own the total money. 

We have also tabled the transaction before the Board Of Directors and they have advised that the payment ( s ) still remain " ON-HOLD/Pending here while you make the refund of the new payment of {$100.00} USD through XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Gift card options after which we shall then credit your account with total payments of {$3500.00} USD Note the buyer 's account has now been suspended. 

So you are allowed to send the refund through the XXXX, XXXX, XXXX pay or Gift card option so that we can credit your account with the total pending of {$3500.00} USD. 

NOTE : Funds deducted from the buyer 's account is not returnable to the buyer 's account. So you are in total control of the funds once we credit it. 

We await your swift response which should include the details of the refund. 


Thanks for choosing XXXX and we are looking forward to serve all our valuable customers better. 


Thank you for using XXXX! 
The XXXX Team This emailed really shocked me and sent them {$2000.00} through XXXX  and the phone number is XXXX in the name XXXX. I tried contacting them after I realized that I was scammed but I never got my money back. I reported it to my bank ( USBANK ) but they said that it was my fault on my part. In short, I never got my money back.
Product: Debt collection

EOS CCA reached out to me on numerous occasions about a debt to XXXX XXXX. I advised them that the account was involved in some type of fraud and that I was in the process of filing a complaint with the state of New York, but they have continued to call. They have even gone as far to call relatives.
Product: Debt collection

XXXX is a collections company and it is against XXXX to transfer information that is not mine. It was removed from XXXX, XXXX and Equifax Keep removing and placing the information back on my credit. It should be removed immediately as it is not mine and it is medical sold to a third Party. I was a part of the major Equifax breech and i strongly believe this is a part of it.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that my personal information has been compromised. As a result, fraudulent accounts and inquiries have been opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report : Accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Going back to XXXX. I've tried to make payments on my student loan, but they have never taken the money out of my account. Meanwhile, my interest rate keeps going up, my loan amount is getting bigger, and they keep reporting to my credit report. I've tried making a payment as recently as XXXX of XXXX. In fact I tried twice in XXXX but yet they never actually take the payments and apply them to my account. I just want to get this stupid loan off my credit report so I can move on and be able to apply for better loans with better interest rates, but they are standing in my way! 

Thank you
Product: Mortgage

PLAZA HOME MORTGAGE acquired my loan in XX/XX/XXXX. I had to contact them 4 separate times on XX/XX/XXXX, because the first 3 people hung up on my wife and I. They had not paid my county and city property taxes from the escrow money they collected from me at closing, over 4 months ago! On XX/XX/XXXX, at PHM 's request, i emailed them the county and city tax bills. As of today, XX/XX/XXXX, they have still not paid my city tax bill! THIS WILL ABSOLUTLY STOP ME FROM GETTING ANOTHER LOAN WITHOUT DOUBLE PAYING THE BILLS!!!! I am on the phone with them, right now, and their cavalier attitude to this situation and its affect on my business IS UNACCEPTABLE! THEIR NEXT " PLANNED '' PAYMENT OF MY TAXES IS XXXX???!! SO THEY'RE TELLING ME THAT XXXX WONT GET PAID, ACCORDING TO MY ACCOUNT .... IT'S CRIMINAL THESE IDIOTS ARE ALLOWED TO SERVICE LOANS!
Product: Mortgage

I have been trying to get a loan modification for several months. I experienced a ligetimate financial hardship with the closing of my business after losing a major contract. I was denied a modification because I did n't make enough money. I worked really hard over the next 3 months to increase my salary and got XXXX jobs. Now I resubmitted my information with the new income I have. They are saying I 'm ineligible for re-entry and my home now has a sale date of XXXX/XXXX/16. I am also working with XXXX and they suggested I come to you.
Product: Credit reporting or other personal consumer reports

All of a sudden I have multiple inquiries that I did not authorize XXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX  Inquired on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
Fifth Third Bank didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with Fifth Third twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from XXXX  today ( XX/XX/XXXX ) stating that Fifth Third would yet again NOT accept this even though I submitted my proof.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

Upon checking my credit report through XXXX XXXX on XX/XX/year> I noticed a new collection from a company called XXXX XXXX XXXX. It is a debt collection agency from original credit Continental Finance Company in the amount of {$2400.00}. 
I had an account with Continental Finance over 15 years ago and it has been taken care of and XXXX. 
I am a victim of several breaches for which I have been in contact to remedy this situation. 
This is not my current debt it has not been accrued by me. 
XXXX XXXX XXXX