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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a credit karma account. I applied to at least XXXX credit card applications believing that I was pre approved for the cards because credit karma said so.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit card

I have maintained a Best Buy Mastercard through Citibank for almost 10 years. This year I failed to receive my card at renewal time. After I emailed customer service, they informed me that they would send out another card. I chaulked it up as that they had forgotten to send out the new card. I even saw the annual membership fee of {$59.00} bill to my statement. I called the customer service about 14 days later to be told that the card had been mailed out with an expiration date of XXXX 2015. I asked why would I receive a card that was only good for a few weeks. The representative then tells me that the card was not renewed. I asked why did n't I receive a notice as required by law by the Fair Credit Reporting Act. She then placed me on hold to speak to her supervisor. She came back to the phone to tell me I would receive one 14 business days. Again I asked why did I get billed the renewal fee. She stated she would remove that fee. I then requested to close that account. She stated she would but I would have to reapply to open it. I stated you guys were going to close it anyway. 
My complaint is that they did n't supply the required legal notice that the account was being closed until I inquired.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX OF XXXX : Account Number : **** Account Name : XXXX OF XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : **** Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2021 I started an application for refinance of a VA mortgage held by Penneymac. My information was taken over the phone by a Loan Agent. I next received a secure encrypted message with loan documents to be " E-signed '' and after complying with this request I received a notice that a NOTARY PUBLIC would visit my home to notorize documents. On XX/XX/2021 two people arrived. They informed me that my wife and I would be required to manually sign 52 documents. I informed them that my wife is XXXX years old and suffers from XXXX XXXX. I then asked if I could sign for her, he replied that " Only if I had Power Of Attorney ''. 
I strongly feel that this requirement should have been disclosed prior to the application process start. I feel that they deliberately withheld this important item for fear we would not proceed with the application. 
I then called to speak to Processing Agent, she was not available. 
I then asked for Loan Agent, he was not available either. I then asked for a manager. After a long hold I was connected to a woman who said she was a manager. She started off with a clear voice asking for my name and personal information BUT when she had to reply to my questions for information, her voice suddenly got unintelligible. When I complained she said she would hang up and call back. She never called back. One other thing : I CLEARLY ASKED TO WITHDRAW MY APPLICATION & RECEIVE A CONFIRMING MESSAGE. This they failed to do also. 
EXISTING LOAN NO. : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward Consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.
Product: Credit reporting or other personal consumer reports

It Appears That This Item On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099 Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship I Would Greatly Appreciate It I'Ve Gone Through A Serious Financial Hardship And This Would Help Me With My Credit In The Future Thank You So Much CAPITAL ONE AUTO FINANCE COLLECTION/CHARGEOFF Auto Loans {$9200.00} Account Number XXXX Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory CAPITAL ONE AUTO FINANCE COLLECTION/CHARGEOFF Auto Loans {$11000.00} Account Number XXXX Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud in 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 electronic fund transfer act ( EFTA ) and regulations e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have my credit locked with XXXX, XXXX and Equifax to protect my credit information. I recently authorized XXXX to do a soft pull of my account which should have released only the Name, Aliases and Addresses associated with my account. I have confirmed this information with multiple XXXX employees on a recorded line. XXXX sent out all of my credit information, including Name, past addresses and contact information, collections, inquiries, remarks/comments on the account, whether the account had been disputed ect. 

They violated my right to privacy and consumer protection according to the FCRA, Gramm-Leach Billey Act and because I live in Georgia they also violated the Georgia Fair Business Practices Act and the Georgia Personal Identity Protection Act. 

I have included the report that XXXX sent me but it is password protected. The password is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Please review the XXXX signed document requesting the deletion of derogatory/delinquent account. I have been disputing this account for over a year and the bureaus are not taking action to delete the account asap.
Product: Credit reporting or other personal consumer reports

Ive requested several times for this company to stop harassing me and to correct the false information they have added to my credit reporting.This company continues to pass along my information to different collection agencies whom also have put false information in my reports. I have requested several times by writing and mail to be provided with signed documents between me and XXXX XXXX  for this amount they have said I owe. Those documents have yet to be provided. The continuous false reporting have affected my livelihood and ability to obtain things in need.
Product: Debt collection

XXXX XXXX Please provide me with a contract and my hand written signature showing that I owe you for this debt. If I owe this debt it is with XXXX and not you guys. I demand you to remove this from my credit report or show me a binding contract between you and me with my hand written signature that I have any obligation of paying you for the debt. I also want a hand written signature from XXXX showing that I owe them this debt. If this can't be provided I expect this to be removed from my credit report with in 30 days. A photocopy of a contract will not be substantial evidence as I need the original contract to prove that this debt is mine.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 Section 602 A : The right to privacy.

15 U.S.C 1681 Section 604 A : A consumer reporting agency can not furnish an account without my writing instructions.
Product: Credit card or prepaid card

I called Capital One to update my telephone number on my account on XX/XX/2020. They asked for initial information to verify that I am the card holder. After confirming that information they asked for my new phone number. I was asked to hold while my new phone number was entered in order to send a 6 digit pin code. The representative said that the pin code didn't go through. He then stated that he could call my new number for verification. I was then told the call did not go through and at that point I will receive a link to my phone in order for me to send a photo of my driver license or social security card. I immediately expressed I was uncomfortable with sending my personal and private information. I was transferred to a few different representatives. I spoke with XXXX to whom I asked if I could go online to update my information instead. She said I could and I asked if she could walk me through the website to do so. She told me to login with my username and password. I was already logged in to my online account and asked where do I go to update the number. I was told to proceed to " settings ''. While looking for " settings '' to update my phone number I asked XXXX where should I look for it. She wasn't clear with her instructions so I said that I would attempt to figure it out myself. She didn't respond. I restated that I would attempt to update my number on my own. At that point the page refreshed and went back to the login screen. XXXX blurted out that my account was then locked and I need to provide a photo of my license. I asked why have I been locked out. She stated that it was locked due to fraudulent activity and that I need to send a photo of the " back '' of my driver 's license. I hung up the call and proceeded to re-login and was met with a screen asking to make a selection to receive a text or call for verification and my " old '' telephone number was listed for those options. I also spoke with supv. XXXX who offered no other resolution. While speaking with multiple reps I've asked how else can I verify that I am the card holder to update my phone number. I was asked for my DOB, entire credit card number, my address, and last 4 of my social and I provided all of that requested information. After speaking with multiple reps I received an email prompting me to click a link to send documentation but the email doesn't specify or list acceptable documents. 
Additionally, now I can't make a payment over the phone by using my normal method of proving my debit card over the phone and now I have been asked to provide my routing number and checking account number by phone. I've been told by Capital One reps that unless I send a photo of the front and back of my driver license my account will remain locked. I have not received any notification of the status of my account.There are too many scamming incidents nowadays and this appears to be another tactic.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$1000.00} from XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request.

Sincerely, XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

I recently recieved information that Jefferson Capital is pursuing a debt collection against me. I have never recieved any type of communication involving any debt. I have never done any type of business with this company. I doubt the validity of this debt and am requesting it be validated. I have no further information other than them claiming I owe the debt.
Product: Credit card or prepaid card

I am requesting in writing on Capital One letterhead once the Capital One/Neiman Marcus account is paid off, this will be removed from my credit report. This is a charged off account which means it MUST remain on my report for 7 years weather I pay it or not and it doesn't remove the account from my credit report. Clearing up the past due balance doesn't erase the fact that my account was actually charged-off despite me contacting Capital One/Neiman Marcus notifying you when I was laid off from work without notice. 

I was trying to show good faith as this is my responbility, but I was late on my XX/XX/2019 payment due to XXXX and a week did not even past before Capital One reported to the credit bureau I was late. Capital One could have reached out to me and I could have explained I planned to make my payment on XX/XX/2019 which was my next paycheck, but since the good faith is not being returned, I want in writing that once this is paid off, Capital One or Neiman Marcus will remove this from my credit report. 

Not to mention, they see it is a struggling account and Im trying to catch up on payments and even when payments are made ( attached copy of payments from my account ), they are still adding on late fees making it IMPOSSIBLE to catch up ( attached breakdown of some of the late fees accumulated from this year alone ). If I can not get in writing this will be removed upon me finishing payments, you will no longer receive payments after XX/XX/19.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a letter was sent to my home address from Kohl 's in relation to a Kohl 's credit card account issued by Capital One in which they could not open a new credit line as they required more of my personal information such as 1 ) a valid form of ID, proof of residency 3 ) a valid copy of my SSN card or Taxpayer ID card/IRS letter with ITIN assignment . I wasn't aware of this request for a Kohl 's credit card until the letter arrived at my home on XX/XX/year>. This account application is fraudulent. However, the application was run against my credit report and I have a new hard inquiry. I contacted the customer service of Kohl 's ( number found online - not on the letter ) immediately to make sure the letter that I received was not a phishing scheme. They confirmed that this account had been attempted to be opened via online application and that the fraudster had all of my personal info for them to be able to run the credit check - luckily, they required additional information, or I may not have discovered this until much later. Kohl 's closed the open application and said there was nothing they could do to revoke the hard credit inquiry since the account was not opened. I am asking for help with the following : 1 ) A criminal has access to all of my personal information, and I am seeking assistance on next steps on what to in the event they try to open more accounts such as bank accounts that are not on my credit report. I have already frozen my credit with the bureaus and set up fraud alerts 2 ) How do I get this removed from my credit report? 3 ) How can I join class action lawsuits for their data breaches that have led to this chain of events?
Product: Debt collection

I have contacted this company several times, looking to resolve these issues related to items being reported on my credit report. 

I have consulted with the hospital directly, and know that they have verified that Myself and my children were covered by both primary and secondary ( XXXX ) insurances on the dates that this company is attempting to collect on. 

I have been covered by XXXX from XXXX through XXXX. 

XXXX XXXX, my son, has been covered by XXXX through these dates as well. 

XXXX XXXX, my daughter, has been covered by medicaid from XXXX through XXXX. 

This is in addition to our primary insurance at the time. The hospital had them both on file, and failed to bill us properly. 

In addition, they unknowingly sold my HIPAA covered information to this agency, who now refuses to send proof of me releasing any rights to have them have ownership of this information that is being held by them. They have chosen to not acknowledge my dispute with them, and I will have to exercise my rights as a consumer by law.
Product: Credit reporting or other personal consumer reports

Someone has used my social to try to open several accounts since 09/08/24 to current from capital one , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/19 I was notified that my debit card had potential fraud when I had possession card. I called fraud and it was determined that someone was trying to use my card number. I am currently traveling and needed funds so I had to activate my credit card. I asked for a fee that was assessed on XX/XX/19 in the amount of {$35.00} to be waived as my funds were deposited on XX/XX/2019. I have been a customer for 7 years and the supervisor refused to waive the fee. I am asking for the fee to be waived as a courtesy as I was on the phone with Bank Of America for over 40 minutes due to a fraud issue that was not my fault. Please review.
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 XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$360.00}