23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a secured card with Citibank, during the application process, I never supplied a security word, when I received my card and called to try to activate it, they asked me to validate my identity using this security word I never setup, then they said to provide them with a phone number linked to my name, I did just that and they still refused to give me access to my account, then they asked for a relative phone number, I provided that and again they told me it is an unverified number. I offered to provide my SSN, driver license, address, a list of relatives they can call to confirm who I am, but they refused so I asked to close my account and they said they can not and refuse to do so until the account gets verified, so they are pretty much stealing my money and telling me that I cant have it back.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against AFNI. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card or prepaid card

Dear AmeriCredit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( AmeriCredit ) are " requiring '' a cash down payment. Is it true AmeriCredit asking for a cash down payment? I am demanding that Ameri Credit provide verification of XXXX XXXX, XXXX, statements that Ameri Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Money transfer, virtual currency, or money service

There were 2 unauthorized transactions made. One for the amount of {$49000.00} and another for {$36000.00} for the sum of {$86000.00} on XX/XX/2023. We notified the bank of the charges within the hour. We were told by a representative today, that the fund can not be recovered.
Product: Mortgage

We purchased our property in XXXX and set up an impound account for escrow and all was fine until XXXX of XXXX when our renewals were due for our insurance. Our broker reached out and said our lender, nationstar had not paid the insurance premiums even though they were sent bills. We called nationstar and they played aloof and claimed they werent going to pay because they didnt understand the situation? They had no idea what our loan was covering and seemed confused and offered no solutions. My husband spent hours on the phone with them trying to tell them the issue to no avail. They did not take responsibility for paying our insurance premiums and time ran out as our policies were about to be in default so we came out of pocket unexpectedly and had to put BOTH the bamboo and CA fairplan charges on my credit card..I have still not been able to pay off the debt and our lender has not remedied the situation or sent any restitution thus far and its been months.. This has caused my XXXX XXXX to plummet significantly due to a XXXX debt and Ive acquired interest charges. Our lender was and still is responsible to pay our bamboo and fairplan policies and we do not know any other way to get them to do their job. This has caused significant stress before the holidays and made things hard and we just want to be reimbursed for the policies, the interest charges and my XXXX XXXX to go back to what it was before XXXX of XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$8500.00} through Zelle to a company and they said it was never received. It was received by another person that would not return my money. I didn't owe that person {$8500.00}, I only owed {$6000.00}, however he wouldn't return the difference. XX/XX/XXXXXXXX XXXX would not help me and didn't make it clear there was no way to cancel transactions after they were sent.
Product: Debt collection

This company keeps erroneously increasing the debt amount of a collection item on my credit report, which changes the aging and decreases my credit score. I submitted a written appeal on XX/XX/23
Product: Payday loan, title loan, or personal loan

approx 2 months ago they billed my closed checking acct when i specifically advised them its closed resulting in fees for bothn the upstart loan and upgrade card i have with them the following month they did it again i went off on them and was told theyb wouldnt do it again i removed the acct last month and what they do they did it a 3rd time this month they have the correct acct on file but keep billing the one i said not too i remove acct they add it back this place has giving me so much grief on adding my new acct at first they wouldnt verify it even after isent requested infotheykeptsaying itvwasntthe format theybwanted eventually they accepted it this is after billing myclosed acct3 times when i said not too my god im very upsetting its costed me more than all my payments combined with the bank bc thge acct cant close until it isnt billed i need them to remove it and they wont do it i even gave them the acct to bill ive had alot of cards over the years but never have run into such a poor managed co like this one they purposely ignore your every in struction please help in any way you can its not like im not paying the bill but of coarse its hurting my credit as well and they know it and its not fair also i should note i try to go back to access my info online now and it says my acct is temporialy not available ive had multiple issues trying to access in past its like they lock me out so i cant do anything also nobody works on weekends there very hard to get ahold of i belive its intentially driven motives
Product: Mortgage

Freedom Mortgage continues to delay the processing of our short sale application. We are in month XXXX of our battle with this company. Friday ( XXXX ) I reached out to freedom for an update on the status of our recent appraisal. I was told on the phone that the appraisal company was requesting a new purchase agreement. Freedom never contacted us to let us know there was a paperwork issue. When I inquired what was wrong with our purchase agreement I was first told it was outdated. The agreement is not outdated there is not specific closing date and such listed. I pressed freedom on this and their answer changed. They then said ( during the same friday phone conversation ) that the purchase agreement was incomplete. I double checked with our realtor over the weekend, the agreement is in fact complete and correct. I called Freedom back today ( XXXX ) and spoke with XXXX Still who spoke with underwriting while on the phone with me. Underwriter continued to claim that the purchase agreement was incomplete and that she even tried to " push back '' but the appraiser would n't budge. I called the appraisal company myself ( XXXX XXXX XXXX XXXX and his assistant informed me that Freedom has n't yet sent the document. They sent the addendum but not the full document. Not only that, but XXXX XXXX 's office has requested the document once a week since XXXX XXXX. This is yet again another example of Freedom employees failing to do their job. Freedom has now sat on our paperwork for so long ( one year ) that we have lost our buyers and are facing foreclosure.
Product: Credit reporting or other personal consumer reports

I received a notification about a collections account that has appeared on my credit report. I have not given you permission to place anything on my credit report, I have never entered into any contract with you, nor have I given you permission to communicate with me. All these things are a violation under the FCRA and FDCPA, and considered fraud. 
I am formally requesting that you cease communication with me on all mediums, including but not limited to all credit reporting agencies, telephone, mail, social media etc. This notice is also letting you know that you will need to inform all credit reporting agencies to remove this inaccurate, false and misleading tradeline from my consumer report immediately. 


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

XXXX is reporting wrong information on my report. This debt has been on my credit since XXXX and it seems that every year they change the reported date to the year we are in. That is fraud. Also they are showing on all three credit Bureau as three different negative accounts that incorrect and since XXXX They are listed negative twice as XXXX and once as the collection agency that bought the debt. I have been reporting this to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 items 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 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied for membership and a savings account online with XXXX XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, MI. I wanted to become a member because I will be mortgage shopping and I liked XXXX 's rates. At the end of the application, I had to check a box saying that the XXXX XXXX XXXX XXXX would check my identification per Federal regulations. The notice did NOT say they would do a hard pull of credit, yet XXXX DID do a hard pull on my credit report which I would never authorize unless I was applying for a loan. By XXXX pulling a hard credit report, my score will fall by 5-20 points. I would never have applied to open a savings account had I know they would damage my credit score by doing so.The statement authorizing XXXX to verify my information does not specify they are doing a hard pull, and it is vague and deceiving ( attached ). I suspected by reading the verification authorization they would do a soft pull, thereby not damaging my credit score. I feel deceived and believe that XXXX must flatly state that they will pull a hard credit report when opening a savings account according to law. At no time or no place on the XXXX 's membership page do they state that they will do a hard credit pull. My score of XXXX will now be XXXX, therefore I have to wait to apply for a mortgage for 2 years because I will be charged higher interest rates because of the deception of 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 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  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX 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 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 contacted XXXX to request two late payments to be removed and was told to file a complaint or dispute instead ; XXXX will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Debt collection

Has harassed through phone calls late at night after business hours, and called my daughter and son in law harassing about the debt. refuses to stop calling in middle of the night.
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX  XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} Medical XXXX Balance : {$220.00}
Product: Bank account or service

In my report is u.s.bank which I never used and it was reported as account abuse, reported on XXXX/XXXX/XX/XX/2011 the amount of XXXX I never put any type of money in that account or had any checks for it either, so I would like to dispute this file the routing # XXXX and the account # ends in XXXX
Product: Credit card

In 2024, I applied for a credit card with Milestone and received it. Upon reviewing the card 's annual fee of {$120.00}, I made the informed decision not to activate it. Now, despite my choice, Concora Credit is unjustly demanding that I pay this annual fee. This situation feels unfair and I believe it deserves further attention and resolution.
Product: Payday loan, title loan, personal loan, or advance loan

I lost my job due to downsizing. I contacted Brightside lending over a week ago to let them know that I could not make my payment. I had a written revoke of my ACH bank withdrawal information and I have an email confirmation that they were to honor that the payment was due last Friday and as of today they drafted {$130.00} from my bank account which caused me to go into overdraft. I can not provide groceries for my children. I am a single parent of two daughters. It also caused my car payment to be returned and now Im at Jeopardy of being repossessed, which means I can not go to the current job interviews that I have set up for next week. I can send copies of the emails as well that I had with the company with the revoke and trying to work out arrangements
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

I am writing to express my urgent concern and frustration regarding the persistent inaccuracies on my credit report, specifically a late open account, despite numerous attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history. 

Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness. 

I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account. 

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the correction process, and take immediate action to resolve these matters. I expect regular updates on the progress of the correction process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. 

Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I reached out to XXXX XXXX in reference to inaccurate late payments on my credit report that varied from bureau to bureau. Just today XX/XX/2020 I received an update that XXXX XXXX had updated my credit report showing my account late as of XXXX and XXXX of 2020 when the account closed XX/XX/2020 and paid in full. They then went on to report that I was currrent XXXX and XX/XX/2020. This is against the law to do what they are doing. This account was closed. I should have NO LATE PAYMENTS. I AM TRYING TO PURCHASE A HOME AND THIS NEW INFORMATION THAT THEY HAVE UPDATED XX/XX/2020 TO REFLECT I AM 30 DAYS LATE AS OFXXXX XXXXD XX/XX/2020 IS OBSURD AS MY ACCOUNT WAS CLOSED AND PAID IN XX/XX/2020. THEY ALSO REPORT THAT I AM CURRENT AS OF XXXX AND XX/XX/2020 ON A CLOSED ACCOUNT. MAKE IT MAKE SENSE! I AM DEMANDING THE LATE PAYMENTS ARE REMOVED, NOT THE ACOUNT THE LATE PAYMENT
Product: Vehicle loan or lease

Its on my credit account is doesn't belong to me report number JPMCB AUTO ACC #  XXXX reporting incorrectly this account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! EQUIFAX XXXX XX/XX/2020 XXXX