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

XXXX has sold this fraudulent collection account to XXXX XXXX. According to XXXX, XXXXXXXX XXXX has submitted fraud reports to all three credit bureau ( TransUnion, XXXX, XXXX ). Recent activities XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; etc for {$170.00}. Two previous cases were reported on XXXX. One of which XXXX used XXXX XXXX to process. XXXX and Credit Bureaus failed the correct my credit reports, this blocking reoccurring posting of fraudulent charges which has resulted in XXXX points for two months causing my credit score to drop to poor. I am requesting financial recovery from XXXX XXXX XXXX XXXX  and all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX
Product: Credit card

My partner and I received an email stating we had changed our password for our joint care credit online account. We responded to the email stating we had not changed it. We were directed to a customer service rep. We were notified at that time that the email address had been changed as well. Over the period of a day we noticed multiple charges on our account online. We requested the account to be closed. We were told by the customer service rep that a new card had been issued and opened. We did not request this card but that it had been sent in the mail because we were eligible. My partner and I have never received a new card. We have called many times and spoke to their investigators and customer service. We have been accused of opening the card and using it. We are not sure how the card was activated. We are not sure if it was mailed to our address and stolen or lost in the mail. It has been a year and synchrony bank who holds the debt for CareCredit has done nothing but claim that we made the charges. At this point, they cant even tell us what the new email address is or how the card was activated. The charges are over {$7000.00}. Please let us know if you can help. Thank you.
Product: Debt collection

b'I never live at said addresses honestly cant even afford them reported fraud and requested fraud paperwork'
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX - BALANCE {$630.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX : XXXX  and completed the application process. I requested my TransUnion Report, which displayed, but I was not able to print or save the report. The same results occurred for XXXX. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the report.
Product: Credit card or prepaid card

Barclays Mastercard credit card has now charged me erroneous interest XXXX months in a row. I have pasted my previous complaint against them below for context, and the same issue has now repeated itself this month. Barclays has charged me interest even though I have autopay setup to pay my entire statement balance XXXX days before the due date. This happened on my XX/XX/2022 statement where I was erroneously charged {$38.00} of interest ( see my prior complaint below ). This has now happened for a second time on my XX/XX/2022 statement where I was erroneously charged {$53.00} of interest. I had autopay setup to pay my entire statement balance before the due date, so there is no reason I should be charged interest. Barclays said they would fix this issue but they did not. I would like a refund of this erroneous {$53.00} in interest, as well as compensation for my time spent dealing with this issue twice now. If I do not receive compensation from BarclayXXXX, I will be pursuing a lawsuit in small claims court and making additional complaints to other banking regulators. 

Previous complaint : I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid XXXX days in advance. However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.
Product: Debt collection

No Contract, with Company reach out to XXXX the ystated that my information that was given was not what they had in thier system, and that they believed my information was used to obatin service without my consent.
Product: Credit reporting or other personal consumer reports

This account was charged of the following day ( XX/XX/XXXX ) but also indicating ( XX/XX/XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate Information falsely manipulates the statute of limitations. You failed to provide accurate information and your neglect has violated my rights. The Account is also indicating multiple account numbers instead of just one for this account!! I am demanding a deletion of the following account : Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My identity was stolen, and an extended fraud alert was added to my credit report. This should stop credit offers for 5 years, but I am still getting weekly mail from Capital One.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Equifax to reinvestigate these hard inquiries on XX/XX/2023 : XXXXXXXX XXXX XX/XX/2023, XXXX XX/XX/2023 and XXXX XXXX XX/XX/2023. However, they stated everything was complete and accurate. But Equifax has not removed these unauthorized inquiries : According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Money transfer, virtual currency, or money service

Hello I am writing you about my fraud transaction on my family account of Bank Of America. 
I came here 7 month ago and open family bank account at the Bank Of America. Firstly everything was .However 3 fraud transaction happened in XX/XX/XXXX. 
date : XX/XX/XXXX amount : {$1000.00} date : XX/XX/XXXX amount : {$110.00} date : XX/XX/XXXX amount : {$250.00} When it happened first time we immediately called and reported about this issue .They opened claim .In XX/XX/XXXXXXXX  it fraud transaction happened again and we called them again and reported 2 fraud transaction. We changed our credit cards, phone numbers for avoiding this type of issues and Bank opened second claim for new 2 transactions. However they did not solve these problem. XX/XX/XXXXXXXX  Bank Of America sent letter to us about first claim and they demand {$1000.00} payback .Then we tried open claim again and went to police and sent them police report .We did not spend this money. 
XX/XX/XXXXXXXX  Bank Of America sent letter us about second claim .They closed the claim and demand also this money back. 
Bank Of America did not solve our problem and did not show information us about their research, how they decided that, about transactions but they demand money back we are new here, we dont have money .This issue affect our life .Our credit card limit is {$1000.00}, we couldnt spend money for a while .Also this issue affected our credit score. 
We did our best effort, We called Bank Of America more than 20 but their customer service always wasted our time on the line did not help us. 
I would appreciate a prompt resolution to this issue. 
Thank you for your attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago a credit card was opened in my name with us bank. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous
Product: Checking or savings account

Im unsure what happened out the blue the company closed my account and I would like to go through mediation as I was a customer with Wells Fargo and they forced my account closed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 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: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo closed card down as of XX/XX/2018 reporting that the balance was over the amount as of XXXX and a payment of XXXX was needed to bring account current. Paid a payment on XX/XX/2018 online payment was returned by company stating that the account number was closed. So since the payment was not able to bring account current. Company closed. Add down on XX/XX/2018. Called in on XX/XX/2018 to have a supervisor look into the issue. Made the payment again of XXXX drafted from my bank statement. Was advised that someone would reach out on the matter. Spoke to an Escalfion rep by the name of XXXX XX/XX/2018 stating that the account could not be reopened since I had a secured card. Rep stated within 45 days of the close out date of. XX/XX/XXXX collateral of XXXX would be applied. However without my consent nor knowledge my card was reopened in XX/XX/XXXX I incurred late fees interest and other fees. I was not aware of this happening and the company has not taken knowledge of this. They have reported on my credit high balances and also two close out for one credit card. Make it hard for any company to want to do business because of there error. They also sent in a fake letter trying to say they advised of the closing but the typing was off they tried to correct a mistake but lied in the process correcting a fraudulent letter.
Product: Checking or savings account

On XX/XX/2022, I received an email that two accounts were opening in my name at TD Bank. I don't have an account with this bank and never have. When I called the bank, they confirmed two accounts were opened. They closed the accounts and launched an investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX gave me medication I was allergic to, which had me end up in their office that night and they claim to charge me {$71.00} for that expense. When they had told me that it was their fault and I wasnt going to be charged. This happened in 2017. It got reported to my credit today and it knocked down 40 points on my credit. This is completely uncalled for. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 someone fraudulently used my account to purchase bitcoin from a company named XXXX. I want to know how to pursue judicial charges, because I know exactlyu who is responsible for these 12 different charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing you today because while reviewing my Experian credit report ( Report # XXXX ), I noticed several unauthorized inquiries being listed by Experian XXXX. XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : 1 ) XXXX XXXX ON XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX 3 ) XXXX XXXX  XXXX ON XX/XX/XXXX 4 ) XXXX XXXX XXXX ON XX/XX/XXXX I have attempted to resolve this issue with Experian, all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX : Account : XXXX/ XXXX XXXX XXXX Account : XXXX XXXXXXXX Disputing updated claims. 
These accounts have been inaccurately reporting on my credit report and NEED TO BE DELETED IMMEDIATELY. The first dispute was brought to my attention as verified, however both agencies have TRIED and also advised about the updates on these accounts but somehow they are still reporting inaccurate information on my credit profile! I wonder why?? Are these investigations ACCURATELY being investigated?! MULTIPLE times these accounts have been updated, although my dispute request was for them to be removed due to inaccuracy yet no ACCURATE resolution has been done. I have attached XXXX of my credit reports before and after these disputes to show proof of the inaccuracy upon multiple attempts of disputing. As you can see TRANSUNION has now separated the XXXX XXXX '' account so were unable to compare the inaccuracies. TRANSUNION has also removed the account number and changed the creditors name as it was listed differently previously. These investigations are misleading and becoming stressful. Now I am asking for IMMEDIATE PROOF of these investigations listed below or I DEMAND these accounts be DELETED not in 30 days but IMMEDIATELY! 

Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation.
Product: Money transfer, virtual currency, or money service

I received a XXXX from CashApp/Square/Block Inc on XX/XX/XXXX XXXX It has the last four digits of my SSN. Per the XXXX, I received {$1500.00} in XX/XX/XXXX from CashApp/Square/Block. I called CashApp support and they told me that I did have an account registered to my phone number that was created in XXXX. I do believe I created this account in XXXX, but I have not used it since. CashApp did not provide me any other information. They told me to file a complaint with Identitytheft.gov. This is the text of the email : Our team has received your claim regarding the XXXX tax document issued to you. 

Cash App does not provide tax advice. If you have further questions about your particular tax situation you should reach out to your tax advisor. 

If you believe your personal information is being used, we recommend visiting IdentityTheft.gov ( https : //www.identitytheft.gov/ ) where they can help you report and recover from identity theft. 

If you would like to further pursue this claim, you may wish to contact local law enforcement. Cash App will cooperate with any active investigation and provide any supporting documentation that may assist with their investigation in the matter.

Law enforcement agents may submit a request for information electronically ( XXXX XXXX XXXX ) or in writing to : Block , Inc . 
XXXX Square , Inc. 
Attn : Legal Department XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX I have since filed a complaint with identitytheft, however, upon doing research into CashApp, I found the decision issued by CFPB on XX/XX/XXXX, citing them for this exact issue. 

Please advise.
Product: Debt collection

A account was opened with XXXX using my SSN in XXXX WI in XX/XX/XXXX without my consent or knowledge by a person I do not know. This account fell into collections and I was not made aware of it till a collections agency showed up on my credit report. on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was attempting to buy a house and noticed these inaccuracies on my credit report : XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX XXXX XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 
. 

XXXX XXXX- No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX XXXX XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 


XXXX XXXX ( XXXX ) - No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt.. 

LVNV FUNDING ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 


XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX {$1000.00} No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

LVNV FUNDING ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 

XXXX XXXX XXXX XXXX  XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies. 

I sent a letter to Experian on XX/XX/year> asking them to investigate these accounts XXXXXXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXXXXXX XXXX Account number XXXX I sent it certified mail-here to both parties they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.