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

I pulled a copy of my credit report and noticed a fraudulent account. 

XXXX XXXX XXXX | XX/XX/year> : Identity theft happened. Remove account. The FTC said I had the right to dispute this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 

PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT. THESE ARE NOT MINE. I FILED A POLICE REPORT YEARS AGO REPORTING THIS MATTER.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report and noticed i have fraudulent accounts and inquiries on my report. Please remove these accounts and inquiries for i have XXXX knowledge of them and they do not belong to me. no contract was signed or permission given by myself. They are hurting my ability to obtain credit. The Fraudulent account is XXXX XXXX XXXX in collections with an amount of {$630.00}. I have attached a copy of my photo id, a recent utility bill and a copy of my social for verification purposes as well as the identity theft report.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It's illegal to report transaction history to my consumer report XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 15 USC 1681a ( A ) ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction History is illegal. 

I've attached a copy of my consumer report and all the items which are in clear violations are highlighted in green!
Product: Money transfer, virtual currency, or money service

XXXX  XX/XX/XXXX i cashed my paper check using cash apps mobile check deposit. i was told that my funds would be available in 5-6 business days, and instead of my funds being released i am being given the run around and being told now that " it takes 5-6 business days before we look at your check, and then once its approved it will come onto your card in 4-8 business days. i cant afford to wait 13 days to get my money. i want my paycheck and i want it now. i feel like they stole my money to pay the class action lawsuit thats currently against them.
Product: Debt collection

Sometime at the beginning of XXXX, I believe the XXXX, I payed my XXXX XXXX   Credit Card with XXXX XXXX in full - payment totaled a little over {$75.00} I believe. The balance was paid in full, I didnt worry about anything else. I was notified XX/XX/XXXX that I had a balance due to two late fees. I was never notified that I paid the card late, which I do understand the late payment was my fault. I must have misread the due date and marked it on my calendar incorrectly. I have two other cards with XXXX XXXX that are in good standing and have always been in good standing. The employee I spoke with in XX/XX/XXXX was rude and abrupt and did not allow me to speak to a manager when I disagreed with the charges on file. I told her I would be calling back to discuss further. In that time, myself and my father both had unexpected XXXX and life got in the way of me calling back. I was contacted today, XX/XX/XXXX that I again had two late payments and I asked to speak with a manager. The employee transferred me to what she told me was a supervisor. This supervisor turned out to be a resolution specialist who I told the whole story to only to be informed she was transferring me to another supervisor. The supervisor answered the phone with a cheerful attitude which quickly turned into a very smart mouth. I work in XXXX XXXX as an XXXX and I know that these fees can be taken away. I remove fees for customers EVERY DAY. I also work with XXXX and do not need this so called supervisor explaining to me the law and my obligations. I understand my obiligations and I am trying to get this taken care of. The card was initially paid in full and being only a day late the late fee should have been removed then. I want this card closed, along with my XXXX card, and XXXX XXXX card because XXXX XXXX will NEVER receive any of my money again. The customer service I have experienced with this card is absolutely horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to Experian stating I was disputing a Bankruptcy on my record. I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
I have attached the results of an investigation by the " third party '' that Experian uses to verify. This letter clearly states that there is no bankruptcy on my record. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.  Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).
Product: Mortgage

PNC called me about my 2nd home ... which is in default ... no fault of mine ... I tried to correct the problem but PNC would not work with me. I have a tenant with many children ... who is through XXXX XXXX XXXX. My tenant was to move XX/XX/XXXX ... but Covid-19 hit and we are in a state of emergency. PNC just called me ... threatening me ... ..and told me to evict my tenant in the middle of a global pandemic. 

Please see my email XX/XX/2020 ... to them ... and asking for at least payments to be deferred to the end of the loan ... as the President stated. 

To PNC : Good afternoon XXXX I just received a very disturbing call from PNC. 

We have a global pandemic and PNC just called me about my payments. 

As of now ... everything is frozen ... no evictions and no foreclosure because of Covid-19. 

My tenant was to move out XX/XX/XXXX ... but she is through Housing and Housing and our State has put a hold on everything. I have not received a payment from Housing because of the hold. The tenant is still there ... and I will not break the law by evicting her in the middle of this epic pandemic. 

PNC just told me to evict! Please tell PNC to back off or I will make the phone call very public. 

I expect ... as it's been stated - that at least 3 mortgage payments can be deferred to the end of the loan because of the global pandemic. 

Can you please have my payments deferred for 3 months ... as there is nothing I can do to change this situation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Debt collection

Approximately XXXX of XXXX, I had my identity stolen. I contacted XXXX XXXX XXXX  of this matter. There were over XXXX dollars worth of transaction made on this card ending # XXXX. I recieved a notice date XXXX that this account was closed and was not responsible for any of these. ( Charges prior to this situation I did pay. ) However, I recieved a new notice with a different card number. On XX/XX/2022 case # XXXX, I spoke with the security department and they closed out my card since I did not authorize a new card and I did receive a notice from them stating I was not responsible for this charges. A few months later I received a billing statement with these same charges but under a new account number which I never re-open an account. I called again explaining the situation with an account supervisor which she assured me it was closed. Again, it was switch to a different account without my permission. The supervisor in the security fraud department that my account was flagged as non ownership instead fraudulent charges. A year or more as gone by and now this unauthorize charges with an unauthorized new account is now in collections and the security department at XXXX XXXX is stating now I own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/20XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received a letter from TransUnion telling me that they can not properly handle my dispute because they do not have my correct mailing address but they sent me in the mail to my current address a paper to charge me for a up-to-date credit report which I will add down in the attachment section this is illegal according to the Fair credit reporting act and I would like to be compensated {$1000.00} for this violation according to the Fair credit reporting act I have the right to obtain a free credit report they are breaking the law thus Forth causing me damage
Product: Credit card or prepaid card

When I was XXXX yrs old with no job and no credit. 
I opened a US bank debit card with {$700.00} in XXXX. I did used the entire {$700.00} it was my first year as a college student. My mistake I didnt close the card after spending all of the {$700.00}. 

Later in the following years XXXX and XXXX, I began getting letters from US Bank and a bill collecting company Monarch requesting I pay them {$5100.00} for a over draft account. 

Myself and my mother have tried called US BANK telling them this is fraud and I have never had {$5000.00}, but we keep getting the run around with no assistance. 

Thank you for helping, I do not want my credit ruined before I even get a chance to start my career after college graduation.
Product: Credit card or prepaid card

I have tried to resolve this dispute with Capital One for 30 day late in XX/XX/2018 that's reported on my credit report but they have ignored me I have paid for this on time and Capital one has not applied it correctly in their end. They are ignoring me and not letting me talk to a supervisor they keep replying back with there canned message that they have verified that this payment is late but one thing they have to understand is they did not apply my payment correctly and now I have a late payment which in my credit report, I will not stop my disputes until I am listened to and someone fixes this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00} XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Money transfer, virtual currency, or money service

Cash app is nothing but a rip off to consumers. They closed my account because I filed fraudulent charges in it i trued to call customer service they don't call me back or answer their phone. I did not get my funds back nor did I have chance to dispute them. This was some time ago now I see they are in a settlement as they should be. I would like to file a complaint against them and also make sure I am in that settlement maybe I. Can finally get my money back!

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

I opened a ( ( secured ) ) line of credit with XXXX XXXX XXXX in XXXX in XXXX, and a short time later experienced some financial difficulty which forced me to close the line of credit and use the secured deposit to pay the balance to XXXX. I noticed recently in XXXX that XXXX XXXX XXXX submitted an entry to the credit bureaus that I owe them XXXX. I called their credit disputes department at XXXX and the representative said that the XXXX is unpaid interest on a CD Loan. I explained to the representative that I did not take out a CD Loan I had a Secured Personal Line of Credit and because it was a secured loan and it was opened such a short period of time there is no way that I could have accrued XXXX in interest unless they kept the account open for the past 3 years and did not close the account when I filed bankruptcy. XXXX XXXX XXXX  attempted to file a claim for XXXX, but it was denied by the bankruptcy court because the held the aforementioned certificate of deposit which served the purpose of securing the line of credit and should have been used to pay off the debt under the circumstance. The representative at XXXX XXXX XXXX stated that all she sees is that I had a CD Loan. She stated she would request the original documents. I am filing this complaint, because they did send me another XXXX XXXX Customers tax document, so it is very possible that they got two different accounts mixed up and they are charging me interest and fees that are not relevant to the original financial product ( the personal secured line of credit ) that I invested in.
Product: Credit card or prepaid card

On approximately   XXXX   XXXX  . When I requested a new card and reported my husband 's death. They informed me since he was the main card holder that our points dropped from  XXXX  plus this month 's statement to  XXXX . I told them that they used both of our incomes when the card was applied for, but they saw his death as a way to delete some points that they would not have to pay out. On a phone call on   XXXX   XXXX  , I was harassed by them when they would not give me my account balance after I gave them all the information required. Every person I talked with was extremely rude and not compassionate at all. They used my husband 's death as way to make money.
Product: Debt collection

On XX/XX/2022 I received a notification from XXXX that Radius Global Solutions for Consumers Energy for an address of XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. The CSR at Radius Global Solutions informed me that the last 4 of my SS # matched, but the date of birth was my ex-wifes date of birth. Neither me, nor my ex-wife have ever lived in XXXX XXXX, let alone that address. This is the result of ID theft, and it needs to be removed from my credit reports at once. It is bringing down my score by over XXXX points, and I have perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to the security breach at Equifax. I verified with them that I was among the affected individuals. 

This kind of information mishandling is beyond unacceptable. Data encryption and obfuscation has become robust enough that if best practices were employed to maintain a secure environment, that this kind of breach would be impossible. Equifax was lazy and should be heavily punished for their incompetence and gross mismanagement. 

Furthermore, by using their 'free ' credit monitoring service, they are including fine print that forces you out of any lawsuits against them for this breach. It 's extremely scummy. 

I hope the CFPB comes down very hard on this organization. A statement should be made that handling credit information in this manner is unacceptable and then trying to quietly extort those affected by having them unknowingly sign away their rights to legal recourse is equally awful.
Product: Credit card or prepaid card

My company is about my reliacard I try using it at the store and decline never had a problem with it till now the USBANK put a block on my card for a address change that on my ID that they have on file some address it been going on for 2 1/2 week now they told me send them a picture of my ID and picture of me.so I did and it only suppos to take 1 to 2 business day it's been 2 1/2 week I half to pay my Bills I call them everyday and they give me the something every day that they have to review my pictures so I send them one everyday and nothing I was getting at yall to see if yall can help me to unlock my card please. And I was looking at the bank reviews and there all bad that the bank put a hold on there card and took there money I'm asking for some help
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX I shopped online at XXXX due to a sale ending that day. I added two mattresses and two box springs to my cart. Next to the box springs was an add showing 12 month financing available with credit approval ( see screenshot ). I clicked on that and was brought to an add showing " Open a XXXX XXXX Credit Card account & SAVE 20 % today & tomorrow up to a total of {$100.00}. '' Because my items were expensive this sounded like the best and most cost-effective way to purchase them and nothing about the adds made any exclusions about online shopping. 

I applied for and was immediately approved for a XXXX XXXX XXXX card with a {$1000.00} limit. I also saw the inquiry and card ping on my credit monitoring service. 

I proceeded to go to the cart to check out and use my new card and the transaction would not process. It showed an error and told me to call XXXX XXXX. I called and spent 55 minutes on the phone with five different  people. The first three tried to help and couldn't and put me through to other departments. The last two were in credit services : XXXX XXXX XXXX ID XXXX XXXX, in credit services told me that it's a glitch in their system that doesn't let people use the card until they receive it in the mail. I told her that is unacceptable as I opened the card solely to use for the XXXX purchase that day. She told me there was nothing she could do. I asked to speak to a supervisor. 

XXXX was the last person I spoke with, a credit supervisor and he let me know that due to a system error I couldn't use the credit card I just opened to make the purchase online, that I would have to try to go to a XXXX XXXX store before the end of the day. I explained that was not possible nor acceptable and that their details on the card state differently : " The new account discount ( the Discount ) is valid on merchandise purchases made at XXXX, XXXX XXXX and XXXX the day you are approved and the following day and charged on your new XXXX Credit Card account. '' ( also see screenshot ). 

I never would have opened a credit card had I not been able to use the card to make the online purchase. No where did it indicate that it would not work or that there was a " system glitch ''. Now my credit has been affected negatively, I was unable to purchase the items at the sale price, and I am left with a credit card account I don't want as XXXX XXXX customer service is horrible and I would NEVER make a purchase there based on this experience.