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

On XX/XX/2021 I noticed a Transaction Rebill on my account in the amount of {$190.00} for a charge from XXXX, which I had previously disputed because the Merchant refused to address the issue of a return due to incorrect sizes. I had previously provided the emails between the merchant and myself regarding the returns, and an Itemized list detailing the original order to Capital One. 

Case Number XXXX A few weeks later I received a letter from Capital One asking for MORE documentation, of which none existed. I do not remember if I contacted them at that time. 

XX/XX/2021 When I called Capital One regarding the Rebill, they stated that the Rebill would not be removed because I failed to provide documents which did not exist. I became upset and told the representative to close the account. 

Upon looking for another charge unrelated to this matter, I saw that Capital One did NOT " Close '' the account, but " Restricted '' the account in order to continue charging me Late Fees and Interest until the Balance was paid in Full. I told them that I refuse to pay Late Fees and Interest on an account that I had asked to have closed. I have every intention of paying the Principal on the account, however, since Capital One policy intends to disregard my request to CLOSE the account and behave as if the account was Active and simply Restricted in order to collect more proceeds, I am writing this complaint to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
Product: Checking or savings account

I already had a Square account for a couple of years, but decided to use it when I had my first XXXX XXXX XXXX on XX/XX/XXXX. I had {$250.00} in sales, and when I returned home I got an email stating that my account was under review and then a second email on XX/XX/XXXX stating that my account had been permanently closed. I emailed customer support and asked why my account had been closed and I got no response so on XX/XX/XXXX I called customer service and spoke to someone about the issue and she told me that she is not at liberty to disclose why the account had been permanently closed because of privacy. I asked her if I am getting that money since I had to pay my state/local taxes and XXXX XXXX XXXX. She said the funds would be released in 90 days, and she promised that it would appear in my account that I had connected. Ive waited for these 90 days, and I still havent received my funds, even if its only {$250.00}, I still have been coming out of pocket for paying my XXXX XXXX XXXX, taxes and not able to use that money to put back into my small business hindering me from being able to participate in more XXXX XXXX. I emailed Squares customer support, since I am not able to reach anyone, on XX/XX/XXXX just to check in and see what the status is and no one has gotten back to me.
Product: Debt collection

Spoke to XXXX XXXX XXXX Multiple times and told them this was a stolen identity account. 

I have a good standing account with XXXX XXXX XXXX already.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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 or other personal consumer reports

i have been a victim of identity theft for the past 6 years and i have done everything in my power to protect my identity. unfortunately i became a victim of identty theft and i have been fighting this nasty problem for the past few years and i have reached out to all the credit reporting agencies and the creditors and the CFPB, and i was let down by the results and im still fighting this matter because i belive i have rights! .i can not afford an attorney to fight the fight against identity theft so i am respectfully asking for your assistance in this serious matter. 
there are 2 fraudulant account that are currently reporting on my credit report that i despreatly need removed. 
XXXX XXXX XXXX XXXX XXXX  ( opened fraudulently ) XXXX XXXX XXXX XXXX XXXX XXXX opened fraudulently )
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit card

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] XXXX [ XXXX [ XX/XX/XXXX ] Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Identity Theft Report and Request for Assistance Regarding Unauthorized XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally report an incident of identity theft that has significantly impacted my financial health and credit report. This letter serves as a formal complaint and a plea for assistance in resolving a matter that involves an unauthorized credit card issued by XXXX, under the account number # XXXX managed by Midland Credit Management. This account was opened without my knowledge or consent, and I believe it to be a direct result of identity theft that occurred in XXXX, which I had reported to the local authorities at that time. 

Despite my efforts to resolve this issue directly with XXXX and the credit reporting agencies, the unauthorized account continues to adversely affect my credit score and report. The presence of this fraudulent account in my credit history is causing me undue stress and financial harm, as it inaccurately reflects my creditworthiness and has potential long-term effects on my ability to obtain credit in the future. 

Here are the steps I have already taken in an attempt to rectify this situation : Contacted XXXX to dispute the unauthorized credit card and requested its removal from my credit report. 
Filed a dispute with the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ) to challenge the fraudulent account. 
Reported the identity theft to the local police department at the time of the incident in XXXX and obtained a police report. 
Unfortunately, these measures have not yet resulted in the resolution of my case or the removal of the unauthorized account from my credit report. Therefore, I am seeking the assistance of the Federal Trade Commission to : Investigate this matter further to ensure the fraudulent account is permanently removed from my credit history. 
Provide guidance on additional steps I can take to protect my identity and financial reputation. 
Assist in communicating with XXXX and the credit reporting agencies to expedite the resolution of this fraudulent activity. 
Enclosed with this letter, you will find copies of all relevant documentation, including the police report filed in XXXX, correspondence with XXXX, and the disputes filed with the credit reporting agencies. These documents substantiate my claim and my proactive efforts to resolve this issue. 

I am hopeful that with the FTC 's intervention, this matter can be resolved swiftly and justly. I kindly request to be kept informed of any developments or actions taken on my behalf. Your assistance in this matter is crucial to restoring my credit integrity and financial well-being. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX Enclosures : Police Report XXXX ( XXXX ), Correspondence with XXXX, Dispute Filings with Credit Reporting Agencies
Product: Credit reporting or other personal consumer reports

This account was opened on the following deta : XX/XX/XXXX there are no on time payment from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payment XX/XX/XXXX to XX/XX/XXXX this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX # XXXX XXXX -- -- XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.
Product: Debt collection

Dear CCS COLLECTION Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per XXXX XXXX XXXX XXXX XXXX XXXX  ), if no evidence is provided, I will assume no debt exists. 
I demand the immediate removal of this account from my credit report. Any further attempts to collect or report this alleged debt will be seen as harassment, negatively impacting my health. Cease all communication with me immediately.
Product: Debt collection

XXXX XXXX is harassing me and my children by continuously calling our cell phones claiming that I owe a loan to XXXX. I told him I do not owe a loan and he then read out my ssn #. I asked if he had my address so that I could respond in writing but he ignored me and told me that I was rude. I told him that I was recording the call with an app on my cell phone and to not call me anymore.
Product: Mortgage

BBB & T Mortgage is reporting a late payment in XX/XX/2019. I have no other late payments on any account. There is no pattern of any account being late. I have tried to correct this numerous times by mail, in person. by phone.BBB & T refuses to correct this. I have requested proof that the payment was 30 days late. No proof was provided. No late charges were placed on the account.
Product: Student loan

I submitted the information for my PSFL form 3 months ago but they are still not showing that they are tracking it for me. I have no idea if I am missing information and can not get a response from them.
Product: Money transfer, virtual currency, or money service

Hello, I was in a private group on XXXX to try and buy concert tickets. However, when partial payment was sent, the promised ticket was not sent. I lost {$220.00}. When I asked for a refund, they instead blocked me. 

This happened on XX/XX/2022. The money was sent through payment system Zelle and the money was requested via an email address. The transfer occurred through a private XXXX message. 

Please, if you're trying to buy concert tickets on XXXX, don't do it. They are not worth it.
Product: Credit card or prepaid card

On or before XX/XX/2021 I entered into a consumer credit transaction by submitting an application with barclays for an extension of credit for my personal, family and household use in which they denied my right to credit and the account that they hold with that application is evidenced with the negative inquiry through transunion they furnished on my consumer report in which I did not give my consent or authorize them to do. Within that application I entered my name, address, phone number, email and my social security number and pursuant to 15 U.S.C. 1602 ( L ) is my credit card. I signed the application electronically which gave it value and I did not receive equal consideration for that asset I submitted to barclays. The constitution states that no personal/private information shall be taken for public use without just compensation. Barclays used my social security number which is my credit card pursuant to 15 U.S.C. 1602 ( L ) to establish an account in which I am the holder and beneficiary of and I received no benefit from the transaction. Congress clearly states that the transaction is " unauthorized use '' pursuant to 15 U.S.C. 1602 ( p ). Barclays is now criminally liable for willful and knowing violations pursuant to 15 U.S.C. 1611 and I will seek litigation for said violations if this issue is not rectified. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced identity theft where my non-public information was shared, furnished, and sold by Experian without my consent, thus violating my rights. I urgently request the immediate removal of these unauthorized 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted case information to Experian showing that my debt was dismissed by XXXX. I submitted this case information to Experian, who is still showing the debt as due, and they determined that the debt was still owed, even after submitting court information showing it was dismissed, and they just say to work it out with XXXX. Court information is available to the public online, I gave them the case number. They could easily verify this. They should not still be reporting this debt as due.
Product: Vehicle loan or lease

My loan with Wells Fargo denied me Gap payment after I paid off the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements. 

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXXXXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to show my credit score 29 points lower than it should be. Since it shows my payments 100 % on time, and XXXX  and Equifax claim to use the same method to calculate scores, they should be fairly close to each other. This has gone on for several months now. I was late on one of my banks ' payments back in XXXX of 2015, however Equifax and XXXX  both say that I have 100 % on time payments with all of my four bank payments each month. XXXX says that late Payments usually disappear from credit reports in three to four years. Since this is the only thing negative in my complete report ... What's up? I've complained once before about Equifax, and you took care of it - is this retribution for that? Any help that you could provide would be greatly appreciated. Thank you so much for your time in this matter.
Product: Credit card

I went online to choose a credit card becuase i have some travel plans coming up and need to purchase tickets now. I read and compared offers, I choose the Capital one venture card because it offered zero percent for a full year and then stated would be 12.99-22.24 % based on your credit worthiness. I was also looking at this ending score after one year. I was approved for the card right away but was given the offer of 22.24 %, my credit score XXXX, I feel it 's pretty good, maybe not the absolute best. I feel their company is providing false advertising. Many companies are trying to pull this, if after one year the ending score is over 15 % I through it away. They should n't tell people 12-22 % when they have no intention of giving that interest rate. I called them to ask if I could negotiate this rate and they told me its all computer calulated so NO!!!
Product: Credit reporting or other personal consumer reports

My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX XXXX  while we await a loan modification decision from their underwriter.
Product: Money transfer, virtual currency, or money service

I cashed a third party check endorsed to me in to my chase account, and the money got hold, its been 10 days + and I still dont have the money, they said that the check is being verified and I have to wait till the XXXX, and thats what I did, and the same thing, my account is restricted now, and its going to close, I really need the money, Im going to be evicted of my apartment, this makes me really frustrated, the only answer I got is, to verify with the maker, and they dont have a verified number, Im really worried
Product: Credit card

On XX/XX/2024, XXXX unauthorized transactions totaling {$2600.00} were made on my Bank of America credit card. Additionally, an attempted transaction of {$1300.00} was made on my BoA debit card but was declined. Later that day I discovered that my cards had been stolen, I immediately reported the fraudulent activity, while the transactions were still pending. However, on XX/XX/XXXX, I received an email from Bank of America stating that they had concluded their investigation and denied my claim. I am disappointed with the outcome and feel that Bank of America did not adequately investigate my claim.
Product: Credit reporting or other personal consumer reports

My profile was XXXX of the profiles that was affected by 2020 Equifax Breach. I have been disputing things on my profile that Equifax refuses to remove. I was sent an email that they want me to send copies of my ID or a bill to prove my Identity. My credit has taken a hit, I have been denied credit because of my credit report. My business has suffered due to inaccurate reporting on my credit profile DUE TO THE BREACH INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an freeze on my Experian account. I have filled out their form online with my pin about 5 times, plus I have written 2 letters directly to Experian requesting that they remove any locks or freezes so that I can try to obtain a refinance on my mortgage. 

My account is unlocked and not frozen, but they refuse to release my credit report to anyone at all. 

Ive been calling them for over a month complaining about this. Will you please call them to release my credit file and score to anyone who ask for it. 

I do not ever want them to freeze or lock my information to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants is showing up on my credit report stating that it was in collections.

I have never been with Diversified Consultants. I later realized by researching that they were affiliated with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to resolve this. 

XXXX XXXX XXXX informed me, that they had the wrong address on file and that they were completely at fault, my account was also paid in full. 

I have been struggling with this 1 mark on my credit report for years, and I just realized CFPB existed. 

I really would like to get this resolved, as the company gave me their word stating they would have it removed off of my credit report, and the account was paid long ago.