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

I submitted complaint # XXXX on XX/XX/2023 in which I explained that that my identity had been stolen and used to apply for a GenesisFS credit card, that I had reported this to the company, and that they had been unable to locate the application, flag it as fraud, and report it correctly to the credit bureau XXXX 

On XX/XX/2023, GenesisFS responded that they are still unable to locate the application and requested I provide additional proof of the inquiry. To that end, I have attached a screenshot of the inquiry from my XXXX  credit report. I have also attached screenshots of the initial complaint and the company 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information appears on both my XXXX and XXXX credit reports. I do not have any responsibility for this account. I have requested and received no proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX,XXXX XXXX XXXX XXXX XXXX , OH  XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Product: Credit card

On XXXX/XXXX/16 I contacted XXXX to book XXXX hotel rooms. immediately within seconds after booking them, I called XXXX to cancel. I was told to call the hotel directly to cancel. I immediately called the hotels and talked to the front desk managers. I was told they would be cancelled. I called back XXXX and confirmed with them that I cancelled with thoe hotel directly. I was informed I would not be charged. I have bee fighting with CTiti for months now. I do not know what the issue is. I have been a valued customer of them for several years. I did not stay at these hotels and would like the credit appied and woldd like to continue my membership with cit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE CONTACTED THE CREDITORS AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY PAYMENTS TO ANY OF THE CREDITORS. I HAVE BEEN TELLING THAT THESE ACCOUNTS ARE FRAUDULENT FOR MONTHS, AND NO ONE CARES AND AN AGENT FROM XXXX   TOLD ME TODAY WE CANT REMOVE THEM BECAUSE PAYMENTS ARE BEING MADE, HOW IS THAT MY PROBLEM OR MY FAULT, WHEN I AM TELLING YOU THAT THESE ACCOUNTS ARE NOT MINE AND I AM NOT MAKING ANY OF THE PAYMENTS, WHY ARE THE CREDITORS ACCEPTING THE PAYMENTS WHEN I AM TELLING THEM THESE ARE FRAUDULENT ACCOUNTS. THEY ARE DOING THIS ON PURPOSE TO RUIN MY LIVELYHOOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

To who this may concern, I am submitting this complaint to the CFPB in regards to XXXX XXXX threats to sue for an alleged debt that they have yet to prove belongs to me. They have been using abusive and deceptive practices in trying to collect on this alleged debt. I have written this company several times asking for proof that this debt belongs to me and they have failed to provide such proof. XXXX XXXX has not done that. Instead they continue to send threating letters to sue without having proper license to collect in my state of GeorgiaXXXX I've asked them to send proof of debt and they sent an old bill and a bill does not substitute as proof that a debt is valid. I also asked them to provide me proof that they have the authority to collect in my state and that was not provided either. I demand for this company to STOP all collection attempts and remove my information from their database. I also am seeking remedy for emotional stress due to their threats. I will attach a letter that was sent to me back in XXXX as I am unable to locate the letter they sent in XXXX. I live in the state of Georgia in which XXXX XXXX does not have the license to actively collect in this state. I am seeking {$1000.00} remedy and my information permanently removed from their database immediately. 

Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had transferred about {$500.00} and something dollars and when I contacted the Cash app to inform them of the situation I was directed to transfer the money from my bank account to Cashapp bitcoin so I did multiple transferred and was told the money were return to my account if it doesnt I would I can call back, but I was scheduled to received a call back from an agent. I never got a call back and my money was taken. Im I want to file a claim with Cash app or even look for legal assistance, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email notification from CapitalOne advising that our new credit cards would be received in the first week of XXXX. Knowing that our existing credit cards would not expire until XXXX, and, not recognizing the account numbers listed in the email I contacted Customer Service. 
I spoke to representative XXXX, who after hearing my reason for calling, very politely told me that the company had done an account review and decided that we would be better served ( better benefits ) by switching our accounts from a Visa Card to a Master Card. When I questioned who had authorized such change and why no notification, she indicated that it was all part of an account review and that we should have received a letter. ( While I do not dispute that in fact a letter was sent, we unfortunately did not receive the notification, as I would have reacted to it then. ) I told the representative, that neither my husband nor myself wanted a Master Card. We wanted to retain our Visa. She said that was not possible, but she would transfer me to her supervisor. 
XXXX the SR account representative basically repeated what XXXX had said and indicated there is nothing that can be done to reinstate our Visa account. She was also unable to tell me what upgraded benefits we were receiving, but assured me that the CaptialOne account terms had not changed.. She indicated that for the benefits information I needed to call Master Card directly. Additionally, she did not explain why our account was selected for this change.

We have maintained a stellar relationship with CapitalOne for several years and our credit records are impeccable.

When we applied for an account with CapitalOne, we requested a Visa account. I realize that the terms of our account with CapitalOne have not changed, however, our loyalties lie with Visa and frankly, this arbitrary decision from Capital One is intrusive and a violation of our rights as a consumer to choose a product. We were never given a choice to accept this change. 
I sent a written complaint to the CEO of CapitalOne and did receive a prompt response, however, the response echoed the same information I received from the two representatives I had spoken to earlier.

They also sent a copy of the letter that we should have received regarding this matter. The letter does advise we are being switched but nowhere does the company give us, the consumer, the right to accept ( or not ) this change.

I still do not know why we were selected. I would have liked to have bee given a choice of accepting a product we never asked for, and I would like to have our Visa product reinstated.

Thank you for your attention to this matter
Product: Debt collection

This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) / XXXX / {$860.00} XXXX XXXX / XXXX / {$0.00}
Product: Debt collection

I was sued bXXXX XXXX XXXX XXXX XXXX in XXXX XXXX AL. At the same time XXXX XXXX turned me over to a collection agency while they were suing me in court. I was under the impression sent it was sent to a collection agency they were the ones garnishing my wages. It was until a few months ago I received a letter stating if I paid X amount of money they would close my account. That is when I called the collection agency ( IQ data ) to inform them I have paid well over the amount they were asking for. That is when IQ data informed me XXXX XXXX had sold my debt to them and they were not in fact collecting the money. I then have been in contact with XXXXXXXX XXXX attorneys through email for the last 2 months and nothing has been done. They told me XXXX XXXX would contact IQ data to have this fixed. I contacted IQ data and the lady I spoke with told me she would not be speaking to me regarding this matter unless I was paying the balance. She then started screaming at me over the phone stating that this was not her problem and that she would not be helping me any further, then hung up on me. Since then XXXX XXXX has stopped replying to my emails. Again XXXX XXXX went through the court and is garnishing my wages for over {$11000.00} I have almost paid this amount off now. I have had XXXX data on my credit with reoccurring interest. This has dropped my credit score, is preventing me from getting any loans, has stopped my husband and I from buying a home. XXXX XXXX is collecting on my debt twice. They have sold the debt to IQ data and then led me under false pretenses with filing a suite against me leaving me under the impression that I wouldn't need to go to court since it was turned over to a collection agency. In turn they have collected more money from me by suing and garnishing then making more money by selling the same debt to a collection agency. Now I am sitting her with garnished wages and debt I don't owe on my credit.
Product: Student loan

This month my credit report decreased sharply as my loan servicer reported a duplicate of my loan to the credit bureau 's and is apparently listed correctly. My loan servicer is Mohela and they transitioned me to the new servicing portal in XXXX and they state that they report to the credit agency 's about the transition within 909 days. However, that period has long passed and only now in the month of XXXX has the new federal student loan number been added and the old one not removed. This is patently absurd considering it has negatively impacted my credit score. Additionally, the amount that has been reported to the credit agency 's is also much more than what my account has for me to pay off as I have been readily paying off my student loan since XXXX of this year ( XXXX  ). The fact that this is happening at the same time as the other loan transfer issues is ridiculous. There should not be a duplicate account on my credit report and Mohela needs to accurately report the total amount borrowed on the loans as that is patently wrong.
Product: Credit reporting or other personal consumer reports

XX/XX/year> there is a child support that shows I am behind XXXX that is not mine as you can tell by the state motions I amnot behind this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Debt collection

The debt ( {$250.00} ) was paid in full 16 months ago ( XX/XX/XXXX/XX/XX/2018 ).

They submitted DEBT/ COLLECTION to 3 Credit Agencies which is still there 16 months later.

I have sent 4 Faxes and called them and they are not responding to my calls or faxes.

I contacted the Original debt owner and they stated that I may have a REFUND.

My credit / APR / has been NEGATIVELY AFFECTED ( for 16 months ) by a company that posted INCORRECT information and is now ignoring my attempts to clear it.

I have already submitted confirmation of payment by check " CASHED '' by XXXX XXXX.

According to XXXX XXXX XXXX XXXX staff, CMRE performs " billing services '' for XXXX XXXX XXXX, but they are NOT reviewing accounts, they are not communicating and they are not answering calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped XXXX points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Product: Checking or savings account

I currently have a Chase checking account. From XX/XX/2023 till today XX/XX/2023, the institute that I bank with, Chase has been charging me overdraft fees. Chase has charged me a total of {$270.00} from the dates above. On XX/XX/2023, I called Chase to try and resolve this issue. I spoke with a representative by the name of XXXX. Per my request, I also spoke to a supervisor. Both informed me that Chase takes breaks during the holidays, therefore deposits may take a little longer. I have auto pay on all of my bills, I received a deposit to cover all my bills charges On XX/XX/2023. Chase 5 days to clear check deposited, while also charging overdraft fees. I have also written a letter to Chase requesting ways of us being able to resolve this issue. I'm tiring my best to keep up with the account but with all the overdraft fees, its becoming a little harder.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX,2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX My only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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

It appears that /my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section XXXX05b ( a ) Equifax and TransUnion 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, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXXXXXX XXXX XXXX XXXX XXXX  agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

My debit card was stolen on XX/XX/XXXX and had unauthorized transactions from XXXX  for XXXX and XXXX. As soon I saw the transactions I closed out the debit card. I tried to dispute them but couldn't since it was pending. I reordered another card on XX/XX/XXXX. 

My card was XXXX  after leaving it at the last legitimate store I did business at. 

I couldn't dispute the transactions due to them pending. When it completed I disputed them and had another card shipped to me. 2 cards in total were sent due to this transaction less than 24hours later it was denied. I don't have the pin written down on my card and it was XXXX. So no sure how they're saying no wrong doing was done.
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 Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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.