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

On XXXX XXXX  I got in contact with XXXX  XXXX in regards to some information that was reported to all three bureaus on the XXXX of XXXX and in XXXX of inaccurate payment information which negatively affected my credit report make my score decrease overall by overXXXX points across 2 months after notifying them about of this and the unrecognized charges that I noticed were reflecting on my account that overdrafted my account they guaranteed me that due to the unauthorized charges and their mistakes of one of the representative that did not submit the claim for processing when I initially requested it assured me that I had nothing to worry about they would be investigating and disputing on my behalf with Experian, XXXX XXXX, along with XXXX to have the info corrected and deleted from my credit report And that the correction would be visible after 45 day it has been 5 months and in still have not seen any changes in my score however after noticing no changes I contacted Experian about deleting all discrepancies and inaccurate information they informed me that all would be removed
Product: Credit reporting

Unwanted charges and harassment and credit problems from transunion.com because of a social intelligence hacker looking for work and credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX
Product: Credit card or prepaid card

I am XXXX years old XXXX XXXX, XXXX, XXXX XXXX XXXX A XXXX XXXX XXXX Credit line was opened without our being being aware XXXX XXXX Contract Number XXXX  Purchased XX/XX/XXXX To XXXX XXXX A XXXX XXXX account was opened for us without our knowledge. We have learned this happened to another family in Tennessee as reported on the news.

XXXX XXXX XXXX Sales agents in XXXX  : XXXX XXXX was highly aggressive XXXX XXXX  We purchased XXXX XXXX  points in XXXX but were told it would not cost anything is we charged things to the Barclay credit card they issued. We have learned this only pays pennies on the dollar. They said we did not have to pay anything until we got our statement. Somewhere they said they charged us {$2000.00} on a credit card they issued. XXXX points for {$14000.00} was charged to the Barclaycards. I didnt know what we bought. They just said if we charged things using the Barclay credit card, then it would be all be free because we would not have to pay anything. You would pay for the purchase by using the credit card. We were there from morning until about XXXX XXXX in the afternn0on.

{$5500.00} was put on a Barclaycard in XXXX name {$9300.00} was put on a Barclaycard in XXXX  name {$7300.00} Promotional purchase {$2000.00} Promotional purchase {$30.00} Promotional purchase We then received a Welcome to XXXX XXXX   credit and thank you for an account on XX/XX/XXXXwhich I had no idea had been opened.

I cancelled the credit card shortly after the transaction XX/XX/XXXX, but I learnedXX/XX/XXXX that Barclays says I need to pay the credit card charges.

We were not even aware that the Barclay cards had been opened until we returned home. They ran our credit on our personal card and came back and said we had great credit. Without our knowledge two Barclaycards were opened.

We owe XX/XX/XXXX maintenance fee to XXXX  {$53.00} I have always paid my bills until this nightmare. I have sciatic nerve problems and I dont know what to do. I am not sleeping and dont know where to turn. I am working just to make money to try to end this.

This is Elder abuse and Elder fraud.

There was no time to read anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    (  XXXX   ) ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   CA  XXXX , has just informed me, by letter dated    XX/XX/XXXX   , that my APR is to be raised, based on alleged " Serious Delinquency '' and " Amount past due on accounts. ''  XXXX  relied on an egregiously wrong  credit score  of  XXXX  by Experian. I have an unblemished record of payments to  XXXX   XXXX ,  XXXX   XXXX , since   XX/XX/XXXX   -- a half century ago ! Ibid.  wit h Visa and Mastercard.  I have never been refused a loan of any kind, including  1. a     XXXX   mor tgage loan on the purchase of our home. Payment of the mortgage is automatically made to  XXXX  from my  XXXX  checking account, an d 2.  a   XXXX   XXXX   XXXX   mortgage loan on a rental property which payment is also paid monthly automatically with funds drawn from my  XXXX  checking account.
Product: Credit card

I received a letter from Citicards regarding Citi Payment Safeguard Classic an optional program for which you are charged a monthly fee to protect my card in the case of job loss, XXXX, or loss of life. This was the first time I had heard of this program, but the letter stated I was enrolled in the program. I called the number provided to cancel and inquire if charges had been made to my account. I talked to XXXX different people after being transferred multiple times. First I was told the charges began in XXXX, then another representative said it was since XXXX when I opened my account. This all was without my knowledge or agreeing to this program. I have been unemployed twice during this period and hospitalized. I could have used this benefit in each situation. After being assured I was canceled from this program I asked to be refunded the money and file a complaint. No person was available to talk to me, I was given a XXXX address and told it was going to take 30 days for my inquiry to be acknowledged. No phone number exists fro me to follow up on my claim as XXXX the customer representative told me they do not even have a number connected to the XXXX. Her concern was whether the phone calls had been handled correctly, not the issue I was trying to resolve.
Product: Credit card or prepaid card

I closed my Citi Secured card and called to get my secured deposit. The citi representative told me that I would receive my money via ACH in one to two business days and when that did not happen, I called them and they said oops the check will be send out via paper check. This is very unacceptable. 

XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally notify you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. Following the steps advised by the companies involved, I have directly contacted each of them and initiated the necessary procedures. Additionally, I have filed an identity theft report with the FTC. I am now formally disputing the information contained within these accounts and kindly request your assistance in resolving this matter. Thank you for your attention to this issue. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

I requested to dispute a public record on my Experian Credit Report Bkpcy IL from about couple of years EX is refusing to dispute my request by giving me the answer '' it was previously disputed and they will not open new dispute ''. I demanded to see Verifiable Proof for this account listed on my credit report ( a consumer contract with my signature on it ) which Experian if they are reporting any account on my credit report they should have in their file based on the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), If they are not able to provide me this proof they have to remove this from my credit file and this public record should be removed long time ago. This is intentionally action to keep my credit score low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX on my credit profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Equifax has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that they requested Equifax to delete the accounts but said accounts are still being furnished. In fact, my credit file has not been updated since XX/XX/2022 which still details the fraudulent accounts. Both XXXX and XXXX note the lawful changes but Equifax refuses. Equifax has monetarily benefitted from defaming my character.
Product: Credit reporting or other personal consumer reports

Since. XXXX XXXX I reported that I was involved in identity theft and let TransUnion know multiple times to fix the report and they havent there are still numerous errors that are fraudulent. 

First account that is fraudulent XXXX XXXXXXXX XXXX Open date XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Open date XX/XX/year> Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file 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
Product: Credit card or prepaid card

My wife and I applied for a Citi XXXX account in XXXX on the internet. There was a special deal advertised where if we spent {$7000.00} within 3 months, we would get XXXX bonus prestige points. We applied online and received the credit card. Just now, I have been informed that while we did get the credit card, which comes with a hefty {$450.00} annual fee, which we have already paid, we did NOT qualify for the bonus, because we had opened a previous Citi credit card account within the previous 24 months. They claim that this was clearly specified to us in the terms of service, yada yada yada, but of course that 's basically meaningless. Other credit cards I have applied for with similar bonuses have just flat turned us down if they felt we did n't qualify for the terms of the bonus, which is perfectly fair. I do not object to them having this policy, I object to them not making it VERY clear, during the application process, that we would NOT be qualifying for the bonus.
Product: Debt collection

XX/XX/XXXX the XXXX  account was taken over by another party. In XX/XX/XXXX I received a bill with a past due balance. I contacted XXXX  whom then stated it was an error on there system and that I was not responsible for the balanace due to it belonging to the party that took over the account. XX/XX/XXXX I had a collections placed on my credit report for XXXX. I contacted XXXX  first they told me the account wasnt properly taken over. Then when proved it was due to other persons name on account, I was told I didnt cancel my name from account. Again proved wrong due to account being taken over, I was told that the person didnt properly take the account over. I stated that the Individual has been paying thats not true, then I was told o well the account was written off XX/XX/XXXX so they didnt take over properly but there is nothing we can do because its already been sold to collection agency. I asked for supervisor and was refused to be allowed to speak with supervisors. Its a lie because the person that took over the account had been paying and once she canceled her account, then XXXX  placed it in collections a month after under my name.
Product: Checking or savings account

XXXX XXXX XXXX Bank of America XXXX XXXX XXXX account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX died over two years ago. This account continues to not be closed and paid to the beneficiaries. Numerous calls and emails to XXXX XXXX and others have gone unanswered. This account needs to be closed and paid out to the beneficiaries. I have called seven different numbers I was given today, yet nobody at Bank of America can help me. I please ask for your assistance! 

Thanks so much, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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: Debt collection

In my XXXX and XXXX reports, every 6 months or so, different collection agencies place a collection record for the same original creditor and when I file a dispute the credit bureau removes after investigation. This debt is not mine and I don't believe it is appropriate to have this repeatedly affect my score. 

Collection agency - 1 : XXXX XXXX XXXX for the original creditor XXXX in XX/XX/XXXX for {$350.00}, which was investigated and removed by both credit bureaus, since it is not mine. 

Collection agency - 2 : MRS ASSOCIATES ( MRSBPO ) for the original creditor XXXX in XX/XX/XXXX for the same amount of {$350.00}, which is being disputed now with XXXX and XXXX. 

I am concerned of the above, probably due to combination of reporting mistake or identity theft as it is not mine. This complaint is placed here since credit bureaus are not protecting me from this abuse by third parties and it is seriously impacting my credit score and livelihood.
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 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.
Product: Credit card or prepaid card

I went in to my local Kohls store on XX/XX/21. While there, I was asked if I wanted to use my Kohl 's charge account to receive a discount on the purchase that I was making at that time. I did not have my physical store card with me ; the cashier indicated that I could use my driver 's license to locate my existing account. After allowing the cashier to use my driver 's license to locate my account, the cashier stated that he found my account but that he needed an income verification update. I consented to the income verification update. However, I received a letter from Kohl 's indicating that an application was submitted in my name and that it could not be opened due to an existing account. being opened. I then contacted Kohl 's directly. I was advised by the representative in the application 's department that my application was not approved due to an existing an account but that the existing account was closed on XX/XX/21. The exact day that I was in the store doing what I mislead to believe was an income update. I was then transferred to a customer service representative, who then hung up or the line was disconnected. I then called back through Kohl 's customer service. The representative verified my information then after listening to me speak for 4-6 minutes asked me if I was calling about my Kohl 's account or someone else 's. Clearly the representative was not listening to what I was asking or trying to understand why I was lied to about the application and why my account had been closed without any knowledge or authorization by me. The representative had no answer as to what happened with the new application being submitted and seemed to be struggling to find answers to common credit score questions. The rep then stated that my account had been closed due to not being used. However, when I was at the store, I was advised the account was open and only need verification due to my last name being changed after getting married. I requested a supervisor who could not answer the questions that I was asking. I advised the representative that I felt deceived because no one said that an application would be submitted and then denied negatively affecting my credit. They have not resolved, any issues. The supervisor told me a different date from the previous rep for credit closure. The supervisor indicated all he could do was fill out a request for someone else to try to fix any issues.
Product: Checking or savings account

On XX/XX/year>, I did a return for a desk to XXXX. The refund was issued back to the card ending in XXXX. The above card that the refund was issued back on to was linked to a Citi checking account I had closed. I reached out to XXXX who escalated the problem to billing and they were able to verify that Citi accepted the funds. I called Citi on XX/XX/year> for helping getting back the refund in the amount of {$64.00}. The customer service associate said to me that since the account was closed the refund would be rejected automatically and sent back to XXXX. I reached back out to XXXX who provided proof that Citi had accepted the funds. I called Citi on XX/XX/year> again for help tracking down the funds. Citi was extremely rude and started to request information that I didn't have to make it harder for me to get help. They asked for the checking account number but XXXX couldn't provide it. The statements were not available in the app or online since the account was closed. I pulled the emails I would get for the statements but when I clicked the link it would open up the app where again the statements where not available. I had all my information, including social security, the debit card #, address and the last four digits of the account # but they refused to help me. I also stated that I had two other CC  with them with the same information. I aksed if they could verify me that way but again they refused. They told me to visit a branch but I am located in XXXX and they do not have a branch here. I asked to get transferred to a supervisor who again was very rude, refused to help me since I didn't have the account # that I can't access anywhere on there site. She told me again to visit a branch and hung up on me. I have since closed both CC  with Citi aswell but I would like to receive my money back from the refund.
Product: Credit reporting

I have been disputing inquiries that were not made by me and they were not removed and no response or actions has been made by the credit reporting company. 
Below are the inquiries that are to be removed : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a car finance with ( XXXX XXXX XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/Closed Inquiry : XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Sent request fo rfull medial validation within 30 days of receiving dunning letter which included requesting only written correspondence no phone calls. Checked with department of the treasury Division for Revenue and Business Enterprise on XX/XX/2016 and was informed that Diverse Funding Associates does not have a collection agency bond or license to collect in the state of New Jersey. They are illegally attempting to collect on a debt which is in violation of NJ Law. Informed company in writing via certified mail they are illegally attempting to collect. Did not provide full media validation as requested