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

Dear XXXX CFPB ENFORCEMENT Since XXXX I paid on time the XXXX XXXX XXXX account XXXX fully paid in installment basis in XXXX XXXX XXXX did not reported my XXXX montly payment to three credit bureaus- they said to these XXXX. institutions that they will fix it it ask of these day it was not reported, the one they reported is the XXXXXXXX XXXX XXXX XXXXXXXX where XXXX asked me for {$3500.00} down payment in XXXX they said that my credit score was XXXX? cause and my 36 months lease in XXXXXXXX XXXX XXXXXXXX account XXXX is not reported in there credit report and the XXXX XXXX trans-union XXXX XXXX XXXX.
Product: Debt collection

Received multiple calls and letters from Phoenix Financial Services naming the creditor as XXXX XXXX XXXX XXXX. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by Phx Fin Srv once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX pm cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/XXXX.
Product: Credit card

I applied for an offer in XXXX XXXX, 2016 from American Express that offered XXXX points after spending {$3000.00}. The offer was publicized by a well-known affiliate of American Express, XXXX. I met the spending and was granted the points on XXXX XXXX, 2016. Almost 10 weeks later, the points were removed on XXXX XXXX, 2016. When I inquired about this matter, I was told that I did not meet the spending and Amex waited until after the spending period was over to remove the points and communicated nothing to me in the meantime about any spending being ineligible ( the link is XXXX ). It was not a coincidence that Amex waited until after the promotional period to remove the points. They did not want to give any indication that in their view the bonus was not spent during the promotional period because it would give the customer an opportunity to understand the spending position and supplement any spending. These points should be credited immediately.
Product: Credit card or prepaid card

Description of concern : Opened a new credit card account with capital one XX/XX/XXXX. 
Over time, I established good credit history and received random credit limit increases and added my children as authorized users to benefit. 

In XXXX, I began having financial difficulties and set up a payment plan with capital one. I removed my children as authorized users so their credit wouldnt be negatively affected. 
In XX/XX/XXXX, I reported XXXX XXXX XXXXXXXX XXXX that my social security number was compromised. 
XX/XX/XXXX, I saw that one of my children was still listed as an authorized user so I removed her again from the capital one account. 
XX/XX/XXXX, I accessed the capital one app to pay my bill but couldnt because it said my account was closed. I immediately called capital for clarification. I spoke with XXXX who stated my account was closed and that he could not provide me any more information on my Capital one checking account or Capital one credit account. 
Called back later in the evening and spoke with a female manager who provided me mailing information on how to file a complaint regarding my account. She advised me to file my complaint with Credit Bureau Dispute Department with Capital one at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
One week after speaking with the female manager, I received a letter in the mail dated XXXX, stating that my identity fraud investigation is now closed and they found the account to be fraudulent and I was not held responsible. 
I contacted XXXX XXXX XXXX XXXX and provided them with my concerns and all the information I received from Capital one. They informed me that would contact capital one regarding the fraudulent report and seek resolution. 
XXXX XXXX XXXX XXXX provided me a restoration case number # XXXX. 

As of XX/XX/XXXX, XXXX was not able to resolve my concerns with capital one. 

On XXXX @ XXXX XXXX Account Manager Fraudulent department. He stated he could not provide me any information. I have to mail or fax a request to capital one before information will be released to me. No fax number was provided. 

XXXX @ XXXX spoke with XXXX XXXX He stated he couldnt see fax number listed but placed me on hold to obtain additional information. Call disconnected during hold. 

At this point, I want the following Resolutions : -I want Capital one to validate my account as not being fraudulent. 
-I want Capital one to Remove any and all adversity/adverse flags from my name and account that prohibited/interfered with the 3 credit bureaus from the fraudulent reporting.

-I want Capital one to Restore my credit history and reports with the 3 credit bureaus. 
-I want Capital one to Restore my account with capital one. 
-I want Capital one to Credit my account for months my account was closed.
Product: Credit reporting or other personal consumer reports

This has been over a three year process. Has continuously failed to comply with federal law. Have sent all irrefutable proof and I also have spoken with the fraud Department of XXXX. They verified that the information being sent to Experian is being blocked and sent back. I filed identity theft in XXXX XXXX XXXX XXXX XXXX XXXX XXXX it took till almost the end of the A year to even get a representative on the phone to address the Identity theft. I also found out that this was done in Florida and I live in Georgia and I have never lived in Florida I sent them affidavits proof of residence a police report FTC report my CFPB complaint and other irrefutable information that proves that I could not have been there at the time because I was recovering and couldn't fly. I have since spoken to the fraud department at XXXX on two or three occasions and they have informed me that when they try to send something to experience it bounces back. When I spoke with people inexperienced on about four or five occasions they constantly tell me that it's being reported as current which is incorrect and I addressed to them that they are blocking the information from XXXX and of course they claim they are not. Based on federal law they were supposed to have blocked and removed the information pertaining to several of the US codes and they have failed to do so. There is another representative from Experian that I spoke to and she specifically told me that it was set that way in the computer and that they were not going to change. She let me know they were going to ignore anything sent. XXXX Removed it Instantly when I sent them the information in XXXX took longer but they've removed it as well. I lost over {$150000.00} in funding for my business and 2 personal cards and a Decrease on one of my cards because this hit my credit report. I had an XXXX XXXX XXXX before this was placed on my file.
Product: Money transfer, virtual currency, or money service

I have had a CashApp account for several years which I am now being denied access by the company " Square ''. The problem current problem started when I had to purchase a new phone because of damage to my old phone. Upon attempting to sign in to my account I received an error message stating " Unable to sign in on this device. '' I made several attempts to contact the company but because everything is done in-app I was unable to get anywhere because I was unable to sign in my account. I finally made contact over one week later via email and explained the problem I was having accessing my account. There were several attempts to resolve the issue but none of them worked. I was prompted to continue to contact customer service via email if the problem persisted. I did so and each time there was someone different replying to my email although I replied to each person by name. I started getting generic responses to my issue and then I was told that I would not be granted access to my account, however, I was told that I should just create a new account. I inquired about my stored funds and how those funds could be transferred to my new account. To date, the only response I've received was that they couldn't grant me access to my old account and that I should create a new one. There was no response as to the status of my funds.
Product: Credit card or prepaid card

I informed my credit card company I would be traveling overseas. At no time did they inform me that they levy an additional fee of 3 % against any foreign charges. While overseas on business travel I charged approximately {$15000.00} which I am now told will incur fees of {$450.00}. When I questioned why this wasn't explicitly disclosed to me when I called them I was told that it was in the " credit card agreement ''. In my opinion the PNC rep I spoke to when informing them of my travel plans should have disclosed to me the 3 % Foreign fee charge. This type of " gotcha '' approach is something I never expected from PNC. Had I known about the fee I would never have used the PNC card. I think PNC 's failure to explicitly disclose this fee is negligent at best and dishonest at worst. I have asked for them to refund the fees but have been told they will not.
Product: Debt collection

So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX Barclay 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company XXXX, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to Barclay 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number ( the one that is in collections ), and said he can't discuss it at all to anyone and that I needed to call XXXX, which is XXXX 's number. Barclay 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX i was utterly shocked to learn that i have been a victim of XXXX XXXX  i found XXXX accounts on my XXXX XXXX that were not opened by me. this has been hurting me as i am in the process and trying to buy a XXXX  for my family. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of west toke {$130.00} out of my account and put that in a credit car payment with out my autorizacin I close the the credit car months ago paid the all amount but they said tha I have fee to pay And they took {$130.00} and put that in the credit card from my savings account with no notice Thank you Let me know I you can help me!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I established a Military Star Credit Card with the government company known as AAFES from the years of XX/XX/XXXX to XX/XX/XXXX. While I had the card I endured hardship i.e. divorce with a new child, moving apartments, buying furniture. No longer having the additional income of a spouse, I got behind on the Military Star Card multiple times but made payments as much as I could. 
I was XXXX  discharged from the United States XXXX on XX/XX/XXXX due to injuries sustained from duty. I paid the Military Star Card balance off in full/entirely and closed the account on XX/XX/XXXX. AAFES performed a " hard '' close on the account so the account was sealed. 
Presently, AAFES is reporting to all three credit bureaus that the account had activity from XX/XX/XXXX-XX/XX/XXXX which included seven missed payments. Some 30 days, 60 days up to 90 days late. They took my past mistakes ( late payments ) I concurred before XX/XX/XXXX and reported them on the years of XX/XX/XXXX-XX/XX/XXXX when the account had been closed four to five years by then. 
They are tremendously impacting my credit negatively to keep updating this information. I have called numerous times about the issue just to be told " nothing can be done about it ''.
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 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts # XXXX, # XXXX, # XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account name ( XXXX XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i received a text message saying a have been approved from a man XXXX XXXX saying he is a rep. from XXXX XXXX  and that i was approved fir XXXX $ and pay XXXX monthly. I was told that i have to pay a security deposit if XXXX in case i couldn't pay one month that security would cover it. XX/XX/XXXX i called him and he told me to go to XXXX and purchase a XXXX XXXX for the amount ofXXXX i had to buy oneXXXX card and a XXXX dollar card. He received the information and then said he was contacting the account department XXXX then later said i said have to pay an additional fee ofXXXX dollars because i was late accepting the loan. I refused to do so so i asked for my money back. He then hung up anger i haven't heard from XXXX XXXX since..
Product: Debt collection

This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2018 at XXXX I was contacted by a representative ( don't remember his name ) from Huntington Bank XXXX XXXX ) - I was never informed that the purpose of the call was for debt collecting purposes, nor was I was informed of the call being recorded. So I was a little surprised when he started talking to me about debt and how I wanted to resolve the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry was made by Ally financial on XXXX XX/XX/2019. They have no signature of me or my consent to pull my credit. They cant verify how they were able to pull my credit report.According to FCRA if they cant prove it, they must remove it. I am extremely stressed because im in the process of buying a home and im unable to do so because of Ally financial inquiry.
Product: Mortgage

I was speaking to XXXX XXXX XXXX XXXX regarding a letter received. They transferred me to CORELOGIC telling me that they were actually XXXX XXXX XXXX XXXX. They asked me private information and then later told me they were actually with CORELOGIC and not XXXX XXXX XXXXXXXX XXXX. They got personal information out of me when they should never have done so. They should have been truthful about who I was speaking to.
Product: Credit reporting

On both accounts reported, XXXX is showing a mortgage loan as being " Open ''. This is false!! Account was closed, house was sold and foreclosure was cancelled and terminated.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report that I do not recognize. XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I belive there was some dispute during XXXX divorce that equifax is not forgiving for some reason and they have'nt been given me an explaination for it.
Product: Credit reporting or other personal consumer reports

This is my 3rd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX, FL XXXX-XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Debt collection

After reviewing my credit report, I noticed that Aargon Collection Agency is reporting and trying to collect {$100.00}, in which I do not owe. I have never done business with Aargon Collection Agency and do not know what this collection is for. I also never received a written notification of debt, so that I may dispute the validity of this debt as is was added to my credit report in XXXX 2017. I do not have any financial obligation to Aargon Collection Agency and do not why this account is on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report named XXXX XXXX XXXX and for more than six months allready Im disputing this account on XXXX, XXXX and Experian. I am requesting true these three agencies that XXXX XXXX XXXX provide Signed contract or agreement between me and them, also I requesting documents that shows that XXXX XXXX XXXX had any right or my consent to sell this account to another company ( in this case to XXXX XXXX XXXX ) and provide them all my confidential information as Social Security Number, name, birthday, adress etc etc. TILL THE MOMENT XXXX, EXPERIAN AND XXXX HAS NOT PROVIDE ME WITH ANY VALID DOCUMENT OF MY REQUEST AND CLAIMS THAT THIS ACCOUNT MEET THE FDCPA RULES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX tried to pull a credit report & credit score & they were unable to obtain a credit score. I've spoken to someone at Equifax at least 4 times about not being able to retrieve my credit score and as of XX/XX/2018, nobody has been able to resolve the issue. I'm currently under contract to purchase a property and approval is pending upon review of my credit score. Please help!
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 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX  I looked at my Experian credit report on XX/XX/2024 and noticed some things are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) or any information disputed