23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

My application number is XXXX. It is for barclaycard XXXX XXXX XXXX XXXX. I  applied for the credit card in XXXX of XXXX. And it was denied in XXXX. So I called them and the credit card company ( barclaycard ) and they told me that they need additional information to verified me. On XXXX/XXXX/XXXX I sent them the required documents ( Drivers License, Social Security card and my current original utility bill and Bank statement with my name and address ). I sent them all four documents and staple them together on XXXX/XXXX/XXXX to the following address : XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. After 4 weeks of sending the documents to them, they are no response from the credit card company. So I called them on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, one of the representative from the credit card company told me they have not receive any documents from me and told me to mail them again. So I did mail them the all the documents again on XXXX/XXXX/XXXX. Two week gone by after XXXX/XXXX/XXXX I called them to verify if they have received the documents. On XXXX/XXXX/XXXX, I called the credit card company and talked to XXXX ( ID # XXXX ) around XXXX XXXX XXXX she told me they only received the utility statement but not the Social Security card and Driver License card. I told them all the documents were stapled together how can you only receive one document not all the document. XXXX them told me that she will look into it and called me back within 2 days. But XXXX never called me back. On XXXX/XXXX/XXXX I called the credit company and spoke to XXXX ( ID # XXXX ) and explained to her that I have sent them all the required documents twice ( 1st on  XXXX/XXXX/XXXX and 2nd time on XXXX/XXXX/XXXX ). And she still saying that they only received the utility statement only. So I escalated to the supervisor that day. On XXXX/XXXX/XXXX, XXXX then transfer me to the Supervisor named XXXX ( ID # XXXX ). Supervisor XXXX then proceed to ask me additional information to verify me. After the verification. Supervisor XXXX told me he can approve my credit card application with {$5000.00} dollar credit limit and I will receive the credit card within 7-10 business days. After 3 weeks of not receiving the credit card so I called them again. On XXXX/XXXX/XXXX I called the credit card company again. I talked to XXXX ( ID XXXX XXXX ), she then told me the credit card has been denied on XXXX/XXXX/XXXX due to bank policy and Patriot Act of XXXX by XXXX XXXX XXXX. Then I ask to speak to a supervisor, she then told me there were no supervisor available at that time. So 6 days later I called them again to ask why was my application denied if the supervisor already approve on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called them again and talked to Supervisor XXXX ( ID # XXXX ), she then told me the application was approved on XXXX/XXXX/XXXX but on XXXX/XXXX/XXXX it was cancelled. I ask the supervisor XXXX why it was cancelled, she then told me we can not give you a reason due to security issue. I then ask her that I have a right to know. She then very abruptly saying that there is nothing she can do about it and hang up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason I can not get anyone at experian to help me. When I login to experian to unfreeze my account it has me in a loop. My account is broken. I call up and there isnt an option to help me fix it with the automated system. It is telling me to reset the password. I have my password it is logging in but it logs me right out. Not being able to fix this and not being able to talk to someone who is in control of my data is just wrong. How can you allow a company this much power and not able to get someone on the phone? I need to buy a home and I am not able to unfreeze my account. I will lose out on this house because now I have to rely on US mail to get their attention with no date insight. This is just not right. Here is my login. video attached.. I have freezed my account years ago. I have my unfreeze pin. why can't I login? No one to call I am in limbo... Experian needs to be punished for this ... Help me please...
Product: Credit reporting or other personal consumer reports

Unauthorizing pull of my credit report that lead to hard inquiries.
Product: Money transfer, virtual currency, or money service

I am filing 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 on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Elec
tronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

On XX/XX/XXXX, I came to a Wells Fargo ATM to deposit an amount of cash. Using my digital wallet, I gained access to my account and deposited the amount in two chunks since the ATM has a limit on the number of bills that can be deposited per time accessed. After taking the receipt for the deposit, I drove off, but a few minutes later, I received a message that told me that {$200.00} had been withdrawn from my account, and to confirm whether this was done by me. Being sure that I had not made such a transaction, I immediately called XXXX XXXX customer service, and was able to cancel the card and the transaction was flagged down. They started an investigation which continued for a few weeks, and on XX/XX/XXXX I received a letter in the mail telling me that my fraud claim was denied and that they believed that I did the withdrawal or someone that I had given permission to, which is not accurate.
Product: Mortgage

XX/XX/2023 The judge allowed a Litigation Hold for XXXX XXXX XXXX XXXX to answer the questions to the foreclosure complaint filed last year. The XXXX XXXX XXXX has more than enough time to do so. Illinois Department of Housing Authority has been waiting for Fifth Third Bank , National Association to get back to them to bring my mortgage current and to bring the home association fees current but Fifth Third Bank , National Association continues to push litigation and will not respond to ILHAF. The people are running up the litigation cost and the judge is allowing it. I have no choice but to fight them. I am in court with a judge that knows what is going on and she is taking sides with Fifth Third Bank , National Association no matter what I present to her. Now the problem I am facing is that after ILHAF brings my mortgage current the litigation cost will be so much because of me continuing to fight the foreclosure in court. I should not have to continue to fight when Fifth Third Bank , National Association will not respond to ILHAF. I make more than enough money to pay my mortgage. I had options to prevent the foreclosure before Fifth Third Bank , National Association filed the Foreclosure. I am seeing nothing but XXXX people and the courts not following the law. There are no XXXX people in the courtroom. I am close to XXXX XXXX dollars in legal fees and counting. Fifth Third Bank, National I have contacted ILHAF and was told they would take notes but only could provide a letter to me. This is not fair to me. Illinois foreclosure laws are straightforward and not being followed. XXXX XXXX XXXX placed a lien on my property. Fifth Third Bank , National Association has already ruined my business by dinging my credit and taking time to fix my credit. Now they are not willing to settle my mortgage and continue to charge me litigation fees. I need help ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account on my consumer report that doesn't belong to me i have notified synchrony bank and the consumer reporting agency of the fraudulent account and neither party as removed the account from my consumer report the reporting of this account is harming me financially and emotionally knowing that someone else has my information and synchrony bank hasn't fixed the problem.
Product: Checking or savings account

I had an account with TD bank for 20+ years. Recently, I had money levied from my account. The account was overdrawn for about 6 days, as a payment was scheduled, and processed through the company, and TD bank did not post the transaction of the levy right away. After the money was overdrafted, it was refunded to my account, I deposited money back into the account to bring it current, then another payment was returned, while 2 other accounts were debited, and 3 days later my account was closed. I did not receive any notice that my account was closed. I did not receive any indication as to why my account was closed, and I called TD bank 4 separate times, and was given 4 separate answers, with the last rationale saying, " you need to go into your local branch, and they will be able to help you. '' I did that, and was told, " I'm sorry I do not know why this account was closed, you can try calling customer service. '' To which I replied, I have done that 4 times already and did not get any answer, just for the associate to say, I am sorry, I can't answer your question. 
XX/XX/XXXX - {$4100.00} ( total ) was levied from my account XX/XX/XXXX- Account was - {$4000.00} for a payment that was sent, before the levy payment was showing on the account. 
XX/XX/XXXX - {$4000.00} payment was returned, and XXXX other payments were taken out, which also left the account negative. 
XX/XX/XXXX - Funds were deposited into the account via cash, to bring the account to even. 
XX/XX/XXXX - {$310.00} payment was returned, and 3 additional charges were taken out ( when the account was at {$0.00} after that payment to bring the account current ). 
XX/XX/XXXX - account was - {$98.00} XX/XX/XXXX- received a letter saying my account was no longer eligible to have any payments above {$200.00} approved if there was insufficient funds. 
XX/XX/XXXX - My account was closed without any notice, or explanation. 
from XXXX - XX/XX/XXXX at least 5 phone calls were made and I spoke with many different representatives, all of which were not helpful.
Product: Debt collection

I got this letter in the mail saying that I need to pay {$20.00} on XX/XX/20. I do not have a credit card. Someone is trying to impersonate me. I called the company, the number that was on the paper : XXXX XXXX XXXX XXXX, they said that it's going to take 2 minutes and 30 seconds to talk to the representative. All of the other representatives are on call. So I waited for 5-10 minutes to no avail. Plus, the number doesn't match the area code. The credit collection service says XXXX, Massachusetts, while the member 's area code is for New Hampshire in the North Numbering Plan, not XXXX, Massachusetts. Moreover, credit collection services deals with family insurances, not credit collection services.
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 XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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: Credit card

Someone fraudulently opened an Ally Bank " Everyday Cash Back '' MasterCard using my credit information and under my name and social security number. When I received the notification that I had been approved for the Ally credit card ( that I absolutely did not apply for ) I immediately called Ally 's fraud and security department to report this fraudulent activity. I was tossed from one customer service representative to another without any real explanations why. Each representative asked for my full social security number, and when I told them I was nervous about giving it to them because obviously my SSN had already been compromised, they told me that was the only way to confirm my identity. When I finally reached someone in the security department that said they could help me, this costumer service representation told me she could " lock '' the account so it can't be accessed, but she couldn't close the account because it had been opened too recently ( the same day as my call ) and still needed to be processed. They asked me to call back the next day to fully close the fraudulent account. When I called back the next day, the lady I spoke with said they would need to do an investigation before fully closing the account. This is not what I was told the day before. Then I was told I needed to wait 7-10 business days for documents they would be sending me in the mail to fill out and then send back, in order to " get more information for the investigation ''. So I'm supposed to sit here and take their word that my account has been locked and the perpetrator can't access those funds? There is no way for me to actually know that someone hasn't already spent the whole limit of the credit card by now. They could have maxed out the card and I would have no idea. This has been a very stressful situation and I've tried getting it under control as fast as I possibly can, but Ally has not been helpful in the least bit. No one seemed to know exactly how to handle this or what to tell me. This can't be the first time someone has had their identity stolen and was used to get an Ally credit card. So why isn't there an immediate action SOP in place for situations like this? Altogether, Ally was not an easy or helpful company to deal with this incredibly stressful and harmful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX  XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Debt collection

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX. Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of XXXX.the image I am attaching shows their license is lapsed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I've sent a letter to the 3 credit bureaus XXXX, Experian, and XXXX explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. Experian has not sent me anything back in the mail, concerning my letter. I have also requested the 3 credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so.

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I get direct deposit from my job on Wednesday evenings. It is now Friday and no direct deposit has been received to my account also to other accounts that I hold within the bank. Called and spoke to customer service who said it would be corrected by end of day on Wednesday and then again end of day on Thursday and it is now XXXXXXXX XXXX  Eastern standard time on Friday and the direct deposit has yet to be put into the account. Have been given no explanation as to why all they say is technical issues and not truly giving a direct answer into the issue. I am getting repeat denial of payment for accounts that were set up on auto pay through the bank. I am now being charged fees from these companies due to the banks error and not depositing the direct deposit.