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

I am a victim of identity theft, and fraudulent accounts have been opened in my name. These accounts have resulted in several negative actions on my credit report, including hard inquiries and fraudulent collections. I discovered these fraudulent activities in XX/XX/XXXX and reported the matter to the Federal Trade Commission ( FTC ), which has confirmed the identity theft through an official report. 

Below is a summary of the fraudulent activity : XXXX XXXX : A fraudulent account was opened in XX/XX/XXXX. It was discovered in XX/XX/XXXX. The amount defrauded is {$200.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$6300.00}. 
XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$2100.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$420.00}. 
XXXX XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$280.00}. 
These accounts were opened without my knowledge or consent. I took immediate action by contacting the FTC, which generated an identity theft report under case number XXXX. 

As a result of these fraudulent accounts, my credit report shows numerous fraudulent inquiries and collections that were not initiated by me. I have taken steps to report this identity theft to the FTC, and I am requesting that these fraudulent accounts be removed from my credit report.
Product: Credit card or prepaid card

I have been customer of Victoria Secrets for XXXX  years. when i went to pay online it prompted me to reapply. The inquirie needs to be removed. I called VS and spoke to a supervisor by the name of XXXX who said there is nothing they can do and dispute it with my credit bureaus. I am not understanding why they are unable to remove this hard inquiriy since it was there website having issues and i have been a member for XXXX  years. I actuallly had to call in and pay because their system wasnt recognizing me as an existing customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it unacceptable that there are public records on my credit report.
Product: Mortgage

The company is PENFED CREDIT UNION, PENTAGON FEDERAL CREDIT UNION MORTGAGE DEPARTMENT Started a refinance in the beginning of XXXX. They have made many mistakes and promises that they are trying to change after I'm vested in this process as well as insulting me for trying discuss this matter. When I got a " manager '' on the phone he said he had to get off the phone soin to go to a meeting so I only had a few minutes to talk with him. I explained that my loan officer had explained that I would receive approximately  {$700.00} towards my closing costs if I applied with them right away so I did. But when I got the documents to sign and fax back that credit was not on there. He said that it changes by the minute and I missed it. Do I asked specifically when that time was..what minute did it change. He said they dont kerp that information because things change so often. I also explained about the multiple mistakes made by loan officer and felt I deserved what she promised me. He said that " They don't throw money at their problems '' referring to me. Then he rushed me off the phone to attend a meeting.

They are asking me continually for same documents over and over because they keep extending process. Now they want to hit my credit report again and keep making excuses why they cant close this loan. Its been over 4 months since application process was started.

They took my money for an appraisal almost 3 months ago.

I want to close immediately but they keep putting it off because they say they are busy.
Product: Debt collection

Citi Bank/Best Buy never sent a statement, pursuant to 15 USC 1692g ( a ) ( 3 ), that I have 30 days to dispute the validity of the debt, or any portion thereof, or the debt will be assumed valid by the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$790.00}
Product: Debt collection

Starting XXXX of this year, I got a alert on all 3 credit bureaus that I have a new collection from this fraudulent company. I looked up this company to inquire & was immediately verbally harassed & hung up on for trying to gather information on this collection. Ive never had a collection or unpaid anything IN MY LIFE & it is ruining my credit as of XX/XX/2023. Ive dispute w/ all 3 credit bureaus and only XXXX confirmed to me that this debt isnt even under my name or social security! Complete Fraudsters taking advantage of hard working citizens for profit. As a young armed forces veteran I expect better care but respect & honor only goes so far for many. I want this collection removed indefinitely, Ive tried contacting multiple times over the last few months & constantly I get harassed & verbally abused & hung up when I try to get receipts or concrete info detailing anything! Please, by XXXX help me get rid of these hasslers off my credit. Blessings
Product: Credit card

I have a direct withdrawal set up for my credit card payments. The bank did not take out XXXX payments ( which I had accounted for ). They claim they sent me mail to let me know that I needed to renew my agreement, which XXXX employees of Chase verified were returned to them, as they have the wrong address for me ( a computer glitch that lists an apartment number incorrectly, WHICH I HAVE CALLED TO CORRECT BEFORE! ). However, when forwarded to XXXX XXXX, Supervisor of Customer Services for Credit Cards @ Chase Bank in XXXX XXXX, TX, he claimed he could see the returned mail, but he would not count it as the date of return was not logged in on the computer on his end, so the missed payments would continue to be reported. This was CLEARLY a mistake on their end, and has been verified by XXXX of their employees, including XXXX ( Emp. I.D . # XXXX ), but he simply refused to correct it on their end, and refused to allow me to speak with anyone above him who could correct it. This error on their part has caused my credit rating to drop more than XXXX points in less than a week.
Product: Credit reporting or other personal consumer reports

I submitted two requests ti LexisNexis to unfreeze my report. I provided the pin number. However, LexisNexis has never unlocked my report. I am trying to buy a car and I am being prevented in doing so because of LexisNexis. I need help please.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report I came across unauthorized information reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Product: Debt collection

All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.
Product: Debt collection

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for all transactions I called and reported.
Product: Credit reporting

I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for 2015, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & 1681i of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.
Product: Debt collection

This debt was charged off for the synchrony credit card and Im receiving collection letters although they have already charged off on my credit report. I have never received a 1099C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XX/XX/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
Product: Student loan

I thought I had to recertify my XXXX plan with FedLoan, because the Cares act made it unnecessary in XXXX. They sent me a letter that my income based payment has doubled, and that its due XX/XX/XXXX. This was, and is, before the CARES Act was set to expire first XX/XX/XXXX and now XX/XX/XXXX. When I called to point out that this due date is within the Cares Act relief, I was told its my own fault for recertifying early, & my payment is due XX/XX/XXXX. When I asked to speak to a supervisor, I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. XXXX   shows me being delinquent XX/XX/XXXX but the account was paid in full on XX/XX/XXXX. XXXX  does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed negative information on my credit report from XXXX XXXX XXXX 's Account number XXXX with Experian several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to Experian on three separate occasions via certified mail. I am requesting that Experian to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off Experian clearly ignoring federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Product: Credit card or prepaid card

Capital One started new policy which did not allow me to sign to account when overseas ( without any notification ). First time I was in XXXX and customer service had me change password which allowed me to sign on. Second time when in XXXX this did not work and I was frozen from using my account when overseas. Again I was never notified of this policy change on a " no foreign transaction credit card '. When in XXXX I made a 2nd purchase on XXXX and the merchant said he never received payment. I called credit card voice and no charge had been made. This forced me to pay by cash. I also then immediately canceled the credit card with over {$200.00} in points and sold {$100000.00} of Capital One XXXX XXXX that I owned at 4.2 % rateimb. When back in the states I saw that the merchant was paid late. PLEASE NOTE that the Company on the Bill was not XXXX but was XXXX and that the phone number provided was A NON WORKING NUMBER. I filed a complaint with an email from the merchant of how he could reimburse the credit. I told him to wait for the Capital One response. Move forward I have CANCELED the card and back overseas in XXXX and I get an email saying I have a Late Payment. At no time was I emailed saying I had an outstanding payment. What happened was I was mailed a letter saying that they did not have a cash receipt and credited my CANCELED Account the payment. PLEASE NOTE that I have a XXXX Credit Rating and pay my bills early. There was no way to sign on to A CANCELED ACCOUNT. I payed the bill with A LATE PAYMENT. Back in the state I called and wanted A WORKING Number for the merchant and wanted to know how they contacted them? They said they could not provide a Working Number only the one that was not in service or disconnected. I then said since I do not have an account and was not notified by email about a payment the should reimburse the late fee at a minimum. They said they could not send a check by mail but could credit my CANCELED Account. PLEASE NOTE Capital One is nothing but computer and a Call Center which are usually overseas. They preyed on this purchase and need to admit their mistakes on not notifying me about " Policy Changes '' which affected my foreign business. Also Please Note that I now get a statement that I have a {$2.00} credtit on my canceled account. This an AI Computer Service with NO INTELLIGENCE on the customer or the mistakes that are being made. I also want to know how the credit card company INVESTIGATED thev charge that I filed a complaint on? I am paying for a service and believe that did not investigate or contact XXXX via XXXX. This is all unacceptable and they need to start answeing immediately. Thank You CFPB
Product: Debt collection

On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and fair practices, 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.