23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A fraudulent charge for {$12.00} was placed on my Citibank Debit Card by XXXX. I did not provide XXXX with this card # or the corresponding XXXX  digit security code. According to Citibank it was Mastercard who defacto provided this information to XXXX. I was nether dually i formed by my Bank or Mastercard of an arrangement whereby my PII could be passed without my consent. Furthermore it was a new card number that I was given by Citibank that was used because the old number was recently stolen and used illegally. So I did not receive any notice by Citibank or Mastercard that they would or even legally could without my consent provide my my new number and security code to XXXX. I conceded to trying XXXX but I never provided them with direct access to my Debit card. They however by back door arrangement or agreement to which I was not party acted fraudulently by passing my Personally Identifying Information in the form of my Individual account number and Security code. If I was allowed to be in the room where hese backdoor deals happened I would utterly oppose unauthorized use of someone's PII ( including an assigned unique individual Accoint # ) without their consent.
Product: Debt collection

I'm considering legal action against your company for not complying with my requests to remove inaccurate information from my credit report, which violates the Fair Credit Reporting Act. XXXX XXXX, the creditor, has agreed to rectify the account by removing late dates and updating it as agreed, never late. This is my final request before pursuing legal measures for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX NAME XXXX EMPLOYER : ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NAME : EMPLOYER XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

on XX/XX/XXXX i was given a supposed cashier check of {$1900.00} from a person whom i met off a dating app, i was drunk and got pressured to deposit it, and then once he asked for a smaller sum back i realized it was the basic check scam and blocked him. i attempted to contact the CITI security office, however since it was the weekend and the office to report the incident was closed leading to an automatic account closure within 60 days, i was fine with the auto closing of the account, however as of today, it has now been 137 days and my account is still open with my funds blocked, and now im getting messages my account is going to start be charged monthly fees when after my last attempt to close it down XXXX. i have called in after and attempted to explain me falling victim to a check scam, they wouldnt listen, and i have called them multiple times to just close the account already as i do not wish to use them as a bank anymore
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple inquiries on my credit report. I have previously submitted a dispute by mail, including a Federal Trade Commission ( FTC ) report regarding these inquiries ; however, they still remain on my credit file. I believe these inquiries are fraudulent and unauthorized, as I have no knowledge of any dealings that would warrant them. Given these circumstances, I request an urgent investigation into this matter and the removal of these inquiries from my credit report. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax a letter requesting to remove the credit freeze placed on my credit report. I have also called in to Equifax requesting the online account credit freeze option be resolved as it currently states that it is unable to retrieve the status of my credit report freeze status. I was given a case number # XXXX for the online account issue. It has been over 90 days and Equifax has not removed the credit freeze on my credit report nor have they resolved my online account issue.
Product: Debt collection

I XXXX XXXX XXXX have been contacted by Hunter Warfield, a company that I know nothing about, claiming to owe them a debt. 
I contend that I have no contractual obligation with them, nor do I have an account with the company. They are alleging that I owe them an amount that I don't recognize nor acknowledge. 

I have sent them a cease and desist letter and asked for original documentation verification of this debt. I am attaching a copy of this letter in my complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts Ive marked as inaccurate : XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Subject : Fraudulent Transactions and Unauthorized Payments Through Cash App Description : I am filing a complaint regarding unauthorized transactions on my Cash App account that resulted from a rental scam. The situation unfolded as follows : 1. I was contacted by an individual through a rental service offering a vehicle for rent, with details that seemed legitimate at the time. After providing my Cash App account information, I made payments totaling {$650.00} to an individual, XXXX, and the company XXXX, which I later discovered has a history of fraudulent activity and legal issues. 
XXXX. The rental agreement provided to me was misleading and included terms that were not disclosed upfront. The vehicle I received was in poor condition, and I was never fully informed about additional fees and the exact rental terms. 
XXXX. After providing my Cash App card number for payment, I was unable to get the rental company to honor their agreement. I have not received the product or service as promised, and my attempts to resolve the issue, including contacting the company, have been ignored. 
XXXX. I also incurred several XXXX XXXX payments that were made using my Cash App card. The details of these payments are as follows : XX/XX/XXXX at XXXX XXXX  : {$13.00} XX/XX/XXXX at XXXX XXXX  : {$15.00} XX/XX/XXXX at XXXX XXXX  : {$22.00} XX/XX/XXXX at XXXX XXXX  : {$18.00} XX/XX/XXXX at XXXX XXXX  : {$20.00} XX/XX/XXXX at XXXX XXXX  : {$18.00} XX/XX/XXXX at XXXX XXXX  : {$17.00} XX/XX/XXXX at XXXX XXXX  : {$21.00} XX/XX/XXXX at XXXX XXXX  : {$18.00} XXXX XXXX  payments : {$160.00} XXXX. The funds for both the rental and the XXXX payments were sent using my Cash App balance, which has led to significant financial loss. Additionally, Ive incurred overdraft fees on my account due to this situation, and my personal belongings are still locked in the vehicle, as the company has removed my access to the car. 
XXXX. Total Loss : Rental Payments : {$650.00} XXXX XXXX  Payments : {$160.00} Overdraft Fees ( XXXX x {$34.00} ) : {$100.00} Total Loss : {$910.00} XXXX. I am seeking a full refund of the transactions in question due to the fraudulent nature of the rental agreement, the unauthorized payments made for both the rental and the Supercharger charges, and the unauthorized removal of my access to the vehicle. 

I request that Cash App investigate these transactions and take necessary action to reverse the charges and assist in recovering my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information from my credit report with Equifax to help clear my file. a lot of information is invalid. an is hindering my file. please update all information to help my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection reported by XXXX XXXX on my TransUnion credit report. After Reviewing my credit file, I have found that this account is not only inaccurate but is also the result of identity theft. I request that this account be removed from the credit report immediately. 

as I have been a victim to identity fraud, any accounts opened fraudulently in my name are not valid an must be removed. This account I am disputing is as follows : XXXX XXXX please conduct a thorough investigation into this account. If the account can not be fully verified in compliance with the Fair Credit Reporting Act ( FCRA ), it should be deleted from my credit report. If the account is verified, I request that it be removed due to fraudulent nature, in accordance with the laws protecting victims of identity theft. 

FCRA SECTION 1681c-2- identity theft victim rights Under the FCRA, as a victim of identity theft, I am entitled to request the removal of an fraudulent accounts associated with me name. The identity Theft and Assumption Deterrence Act ( ITADA ) provides that accounts opened due to idenity theft must be removed upon request once the victim has provided appropriate evidence of the fraud I am submitting this request for the removal of this collection account based on this provision of the law. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) -resolutions of disputes The FCRA requires that you complete your investigation and respond to my dispute within 30 days. If the XXXX collection is not removed from my credit report after this period, i will pursue further action, including filing with ftc, as well as seeking legal recourse for violations of the FCRA
Product: Checking or savings account

XX/XX/year> I was reached by via text Chase Bank representative stated that my account accounts were compromise and for me to secure the account I had to move money around to secure the account a total XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive noticed alot of incorrect data that is hindering my file with Equifax. I am interested in disputing all invalid information to correct my file. please update the information submitted asap.
Product: Debt collection

I contacted Radius Global Solutions a collection agency from XXXX on XXXX. They told me I had a small balance owing. I learned my account was in collection while visiting my doctor because I needed to have blood work, and was told I owed a small balance. When I spoke to representative from Radius Global Solutions, she told me not to worry because they did not report balances under {$100.00} to the credit bureaus. ( we pay XXXX all the time because my husband has XXXX and has XXXX XXXX every 3 months ). Apparently, this particular bill was overlooked, but why would this company boldly lie to me and tell me it is not their practice to report medical bills under {$100.00}?? This is a misrepresentation of the truth because they have been reporting me to XXXX  all summer long. I want them to own up to their word, and remove this paid collection off my credit bureaus report. This company gave me false info to collect a debt, which is against the law!
Product: Debt collection

Please provide the original instrument on the underlying obligation and clarify the fiduciary relationship in the matter? the original application/source documentation bearing my social security number that created the alleged account. produce the XXXX XXXX giving authorization to open an account in my name. see attached
Product: Credit card or prepaid card

I continue to be dissatisfied with Capital One response to my complaint. 

I have enclosed Capital Ones Cashback promotion ad. Stating excellent credit is needed mine is exceptional. 800 plus see enclosure. 

I enclosed the Capital One letter stating my GM card is invalid. So I just have one card the cashback card. I asked for a customer list showing multiple accounts including the XXXX card and it was ignored. See Capital One/GMcard letter. 

I'm elderly and applied for the {$200.00} cashback to assist with my budget. Have some compassion. 

I would like Capital One to send me and CFPB their Code of Ethics policy on how to provide customer satisfaction and treat customers fairly. 

This is part of CFPB Case : XXXX CFPB please help. I started a complaint directly with Capital One on XX/XX/2021 with no correct solution. 

Please help.
Product: Checking or savings account

I received an unsolicited debit card from Capital One via the XXXX XXXX. I called Capital One to inquire and they informed me a checking account had been opened in my name. They said there was {$0.00} in the account and they closed the account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports with XXXX, EQUIFAX, annd XXXX and discovered several inaccuracies that are negatively impacting my creditworthiness. Specifically, incorrect personal information including addresses, incorrect employer information, as well as erroneous, inaccurate, and incomplete account information including : account number, account type, high credit, date of last activity, payment history, number of months ( terms ), and date last reported. These inaccuracies have resulted in adverse consequences such as being denied credit, unfavorable loan terms, and experiencing financial hardship due to limited access to credit. 

Attached to this complaint is a copy of my credit report from MyScoreIQ highlighting the inaccuracies and discrepancies on my XXXX, EQUIFAX, and XXXX consumer reports, as well as additional supporting documentation noting the denial of credit and unfavorable loan terms instated as a result.
Product: Checking or savings account

XX/XX/2022 Truist checking account fraudulently opened in my name with my addresss
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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a fraudulent charge from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I informed XXXX that the services for the {$29000.00} sent to the dental office ( where I am not a patient ) were never provided. Despite not signing the More Smiles of XXXX XXXX Receipt attached to the Inactive Treatment Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the More Smiles of XXXX XXXX Receipt as I was misled during the financing process. 

I am not and have never been a patient of More Smiles of XXXX ( XXXX Smiles and Health PC ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, More Smiles of XXXX refused to refund the funds, and XXXX did not take any action to retrieve the funds from the dental office. I did not directly nor indirectly benefit from any funds dispursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.
Product: Mortgage

United Mortgage Corp. sent me a letter about my tax bill dated in XXXX, but I didnt receive it until the end of XXXX. I contacted the company on the XXXX of XXXX and was asked to email them my tax bill. I emailed them my tax bill and told them the XXXX payment was not paid and XXXX payment was going to be late on the XXXX of XXXX if not paid. The lady told me that since it was already delinquent that they would pay it right away. I waited for a week or so and checked my tax bill and it hadnt been paid yet so I called the company again and they escalated it this time saying it would be taken care by the XXXX of XXXX. I checked my tax bill again today and it still hasnt been paid. I contacted the company again and they said that they were going to escalated it again and follow up with it this time. They then told me that it could take up to another week for the bill to be paid because they have to over night them a check that they could not wire the money for the tax bill. I have almost XXXX dollars in my escrow account to pay my property tax bill and my homeowners insurance. My tax bill is over XXXX dollars now because of late penalties occurred due to being late. I just want them to pay my tax bill like they are supposed to. That is why I have the escrow account.
Product: Debt collection

I already opened a complaint against Mohela. They call repeatedly harassing me claiming to be XXXX for XXXX verbally over the phone. I repeatedly asked them to send paper correspondence re : the debt, I asked them to send my the assignment, I asked them repeatedly to direct me to where to stop phone calls. 

Today I spoke to " supervisor '' XXXX XXXX XXXX No XXXX. I told her I have an open cpfb and XXXX complaint and I want the calls to stop and correspondence mailed and I'm logging the call. She assumed I was recording her ( the company is on a recorded line ) and told me I don't have her permission to record. I told her its not up to her, her company records the calls so I can too. She got rude and aggressive and then lied, saying she never said I couldn't record her when I repeatedly explained that its not up to her when she's on her recorded company line. I asked for a supervisor. She initially refused to give me to a supervisor. I had to argue with her to get XXXX. 

The other " supervisor '' employee number XXXX first refused to send me correspondence of any kind, told me she would direct me to the cease and desist department address, ( finally ) but I told her that's not good enough. The harassment needs to stop. Both business and personal phone lines several times a day. that I want the paper documents. She told me I would have to give her my confidential information. I don't know that these people are legitimate XXXX or not. So far they have not operated as legal debt XXXX, have refused my standard requests for documentation, and have continued their harassment. 

they have my phone numbers, I keep my information updated with any entity I owe a bill to and they can send me the information if they are truly legitimate. Why would I give them my bank information, birthdate, or even the last XXXX of my social security number when they are repeatedly using harassment and refusing standard requests to show legitimacy? 

I won't. 

Thank you.