23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was approved for a {$6000.00} credit card through apple. Shorty after I started getting fraudulent charges I tried to close out the account but apple informed me that all someone has to have is your phone number and you account can be hacked. They allowed my XXXX credit limit to be utilized to over {$30000.00}. There was another phone number connected to the billing that was not mine as well. Apple states that I should be fine but they keep saying that the debt it mine when I have is disputed. This has dropped my credit significantly and there is no way a XXXX limit can be exceeded to XXXX and I never utilized it. Apple now say to file a report so that I can properly dispose of false claims.
Product: Debt collection

I Have a charge off on my credit report Account : KikOff And havent received my 1099c form. And would like to get a copy of the 1099c form
Product: Debt collection

account re added the same XXXX account to my collection with out a 5 day reinsertion notice, by a new debt collector was with XXXX now with XXXX, XXXX reported I owe {$190.00} Now XXXX report I owe {$190.00}.
Product: Credit reporting or other personal consumer reports

Trying to obtain a HELOC from Navy Federal Credit Union ( NFCU ). We checked our credit scores before application, on XX/XX/year> received a call from NFCU that our scores were coming back as XXXX point lower than what we pulled from the myequifax.com site. On that same day I called XXXX to inquire why they are showing XXXX score but reporting a score to the lender that is XXXX points lower than that. I was told by XXXX that they could not provide this information but that it could be due to how the bank is running the credit score. How is that even relevant? I Do realize that different credit bureaus rate credit differently, however if I am looking up my own credit score from the same agency the lender is, how can it be that significantly different. This was for both mine and my spouses scores.
Product: Credit reporting or other personal consumer reports

I'm unable to see my credit details on their site.
Product: Credit card or prepaid card

I signed up for the XXXX XXXX card last XXXX, when I signed, the offer is spend XXXX  dollars within 3 months get XXXX  XXXX points. 
So I got the card and fulfilled the spending requirements within the time limit. American Express did not give me bonus points. I called them they said its because I closed my XXXX card within 6 months. But in the XXXX XXXX sign up page, it didnt say someone could disqualify if they closed XXXX card. If I knew it, I wouldnt sign up for my XXXX XXXX card. Its not fair for plain customer. Card number is XXXX. My name is XXXX XXXX, XXXX XXXX number related the card is XXXX. Thanks.
Product: Debt collection

XXXX, XXXX, XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX, XXXX, XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXXXXXX XXXX XXXX  acct # XXXX late payments, XXXX XXXX XXXX XXXX # XXXX 120 day late payments, XXXX XXXX 60 day and 30 day late payments, XXXX XXXX 5 30 day late payments has violated my rights.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get this fraudulent inquiry off my XXXX  report and this company Barcklays bank has been unresponsive
Product: Credit reporting or other personal consumer reports

This is a follow up to seek another assistance from you to solve this matter. Despite my repeated attempts to rectify these inaccuracies with the respective financial institutions and credit reporting agencies, the errors remain unresolved. Specifically, I need help with the removal of incorrect late closed accounts and charge-off accounts from my credit report. My credit report includes charge-off accounts that are incorrectly reported. I have provided evidence to the financial institutions demonstrating that these accounts should not be classified as charge-offs. My attempts to resolve these issues directly with the institutions and through the credit reporting agencies have been unsuccessful, and the erroneous charge-offs remain on my credit report. The ongoing presence of these inaccuracies on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB 's intervention to ensure that these matters are resolved promptly and that my credit report accurately reflects my credit history. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 
XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
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. I have contacted customer service about money being taken from my account, the account was locked yet Cash App allowed transfers to go through without my permission. 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 a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX*Balance Owed : {$530.00} XXXX XXXX XXXXXX/XX/
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please update or correct this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1 XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Checking or savings account

Today XX/XX/22 I got an email from TD bank saying my new account should be ready for online and app use in 24 hours. I called td bank and the rep helped me and reported it. 
She gave my websites and telephone numbers to report it as identity fraud
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 35 financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

Out of a sudden, BECU sent me emails saying that my accounts had been suspended specially the service with XXXX. 
All my 6 accounts were suspended then I called them and had been informed that one of the guys in the last few days filed for a fraud for one of the transfers which is XXXX XXXX 
I told them that I guess but not sure if he bought something but it could be relevant to crypto or so because I am not sure about his name then I double checked and told them that he wasn't since then. They told me that my accounts will go for investigation and since this moment my accounts all are in investigation more than a month. 
Whenever I call to check what the investigation status is, they turn to be rude and aggressive and keep saying they are still running and investigation even when they assured that it won't take more than 10 days. 
My balance on these accounts are held and there is no information if they are going to release or not. so they literally took it.
Product: Credit reporting or other personal consumer reports

I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached XXXX letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about XXXX times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to deal with this issue constantly. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On Wed, XX/XX/scrub> 2024 at XXXX XXXX XXXX XXXX wrote : I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached XXXX letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about XXXX times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to constantly deal with this issue. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On Wed, XX/XX/year>2024 at XXXX XXXX XXXX wrote : Dear XXXX XXXX, Please be advised in the screenshots you've sent, you indicated the fraudulent XXXX accounts end in XXXX and XXXX. Please be advised those accounts are not reporting on your Equifax credit file. 



Thank you for contacting Equifax, Respectfully, Equifax XXXX XXXX XXXX ref :! XXXX.! XXXX : ref
Product: Credit card

Erroneous late fees were put in the account an the. After calling they agreed to.out the fee back into.the account ad a credit an then they take the fee an disperse it.over 2 or 3 cycles adding it into the bill. If you add uuo the bill.youll.see that the amount added over the billing cycles is the same amount as the credited late fee. They figured nobody would check an add the number s up. This has happened. 3 times to my account an has caused me to have several.hundred dollars in fees for this account to. Be looked at. An the the fees they charge for late fees are not within legally allowed amounts. They change the due dates an don't count payments made to get these late fees to happen. Is wrong an shaddy business practices. The xard is issued by regions bank an is maintained by XXXX an is a bp Mastercard. The final.bill they sent is for nearly XXXX an if you do a proper reconciliation the bill.is under XXXX an XXXX for accounting fees the bill s is XXXX XXXXXXXX dollars. I'm going to pay the XXXX. That due but they are erroneously billing me XXXX XXXXXXXX as they did this shady billing over the span of XXXX plus years.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was the victim of a scam on XXXX. A XXXX friends account was hacked and was selling tickets. I didn't know it was hacked so I XXXX money for tickets that did not exist. I Had asked for pictures, confirmed they were real, the hacker provided all of these things. I XXXX  from a credit card to ensure if it was a scam the money could be stopped. Once I realized it was a scam I froze the XXXX  but Venmo still sent the payment and they won't freeze the scammers account and get the money back. No money has been taken from my credit card account but my Venmo is now frozen. There should be a way for Venmo to track down this money, there is 100 % traceability but Venmo says they wont do anything about it.
Product: Money transfer, virtual currency, or money service

Long story short Wells Fargo closed my business account for the absolute wrong reasons. They gave me no in depth reason other than I being a risk even though I have not changed my business practices for over XXXX XXXX. I am a small business and several other small businesses have gone through the same
Product: Mortgage

I applied for a refinance on XX/XX/year>2025. And I'm still waiting today. 
Their representative, XXXX XXXX, has held up our loan process by XXXX months with his negligence!! Mr. Cooper has destroyed our credit rating and home 's appraisal value. My credit report was XXXX before this application process and it is now XXXX. They also lowered my house 's value by XXXX XXXXXXXX. I need help!!
Product: Consumer Loan

I took out an auto loan from M & T Bank in XX/XX/XXXX. I have historically paid my payments at the local branch or online through their web portal. I have consistently paid my account and it was current as of XX/XX/XXXX. In XX/XX/XXXX my primary bank changed hands and the routing and tracking numbers and account numbers for accounts all changed. It has caused much confusion. Thus in late XX/XX/XXXX/XX/XX/XXXX when I learned that M & T had not received my payments placed through their online system I sought to rectify it and immediately made payments online, confirming the new tracking and account numbers. Then I heard nothing. In late XX/XX/XXXX into XX/XX/XXXX I attempted to go online several times to make regular payments and when I attempted to log into my account a message appeared that the M & T website was down. I even called to get further information when I was simply told, " Many customers have been having problems, try again later. '' The problem continued. In early XX/XX/XXXX I was finally contacted by an M & T representative by phone. When I was told that there continued to be issues with submitting payments online I offered to bring a payment to the bank to satisfy all payments that were not received and get the loan back on track. At that time I was told by the M & T Representative that was no longer an option, I needed to pay the loan off in full immediately or my car was to be repossessed! The representative acknowledged that they could see that I was trying to make payments and that each payment submitted receieved a message stating " Success! Your payment has been made! '' However he was completely unwilling to assist me in getting this loan back on track. He stated that even though he could see the banking errors involved, that he would not reinstate the loan upon restitution. I then tried speaking to his supervisor without any support, he simply stood behind the decision to use the nuclear option with me even though they could see I had been online trying to make payments. I then took my issue to the PA Department of Banking and Securities. I just wanted to make the situation right. The PA Banking Department went back and forth with representatives for several weeks, being told, " I 'll get back to you tomorrow ... .I 'll look into things and see what we can do ... I will have an answer back to you by XX/XX/XXXX ... '' It is now XX/XX/XXXX and still no answer. I received a form letter from M & T dated XX/XX/XXXX ( it should not have taken 8 days to get here when mail from PA to NY is typically 1-2 days in transit ) stating that I have 10 days ( from XX/XX/XXXX? ) to give M & T the full balance of the loan. I have also tried to harness the assistance of the PA Attorney General 's Office. I received a letter from them dated XX/XX/XXXX stating that M & T has 21 days to reply to them. As of yet, there is still no response. My contact at M & T is a XXXX, my contact at PA Banking & Securities is XXXX and my contact at the PA Attorney General 's Office is XXXX. PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX