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

To Equifax XX/XX/XXXX Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX I deny account, account not mines Account number XXXX Equifax has failed to provide me full account number, please provide me with full account number for account XXXX Equifax, failed to provide documentation in writing, for account XXXX XXXX requesting investigation documentation for account XXXX I am not responsible for account In addition error payment balance incorrect, because I DID NOT MADE ANY PAYMENT ACCOUNT IS NOT MINES Find enclose report XXXX I reported account ID Theft, find attached report Please delete account immediately account inaccurate Thank you XXXX XXXX
Product: Credit reporting

Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit card

On XXXX XXXX my Macy 's credit card information was stolen from a Macy 's store in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. Fraudulent charges were made of {$200.00}, {$210.00} and {$56.00}. Totaling {$470.00} in fraudulent charges. I found out about the fraudulent charges as I am registered to receive invoices/receipts via email. Upon discovery, I called Macy 's to report these charges and to close the credit card account to prevent this from happening again. The representative informed me that if I closed the account I would have to go through the approval process to to open a new account. I informed her that I did n't care and all I wanted was to close the account to prevent future fraudulent charges. She finally confirmed to me that it was closed and an investigation case was started. The case # she gave was XXXX. In addition, the representative informed me that I needed to complete a statement of fraud, which I did and faxed on XXXX XXXX. Since then, I have called them three times and the representatives have informed me that the case is still under investigation. In addition, they have confirmed to me that the account appears closed. On XXXX XXXX, more fraudulent charges were made to the account totaling {$84.00}. I was under the impression that my account was closed. When I called again, the representative informed me that someone within the company decided to reopen the account. Coincidentally new fraudulent charges were made to the account. The company was not able to explain how this happened. Especially an account that is already under investigation for fraudulent charges. I am so tired of dealing with these issues and do n't know what to do anymore. I feel helpless as no one at Macy 's is able to help with this matter. This is all too shady and unethical on Macy 's part. I really hope this sheds some light on Macy 's credit card practices as what they are doing is not right.
Product: Credit reporting or other personal consumer reports

I had a late payment on an old credit card that i had not used in a year. Someone used it on my familys joint XXXX account for XXXX shopping and i was unaware of the charges. When i finally realized the charges I quickly paid the balance and closed the account. I did not realized the closed account would be marked as delinquent even though it is paid off in full.
Product: Debt collection

This complaint against Rubin & Rothman & Associates for deceitful and unethical practices on collection action. In XXXX entered into a stipulated agreement for the amount of XXXX for $ XXXX. During COVID, my income became severely challenged as a result of increased expenses, depleted resources and caring for myself and family. The agreement was to make payments via check and/or money order monthly which became extremely difficult. In addition to caring for myself and family, where the entire household became ill I tried effortlessly to make payments to maintain my agreement. Nevertheless, in XXXX I received a phone call from said collector indicating that A default judgment eas entered for lack or failure thereof to make payments in a timely manner. At the time, I was dealing with medical issues for myself without compensation, which I advised the representative for R & R. I received no updates from the courts with regards to the judgement to dispute at the time due to the courts being closed to the public, severe backlog and trying to care for myself, an elderly parent and a child. Nevertheless, I spoke to a representative who states that documents would be sent, needed to be signed and to continue making said agreement amounts of {$50.00}. I continued to oblige to continue to make payments, where I can injured again resulting in an extended medical leave without compensation. I tried to toggle food, water and shelter and paying my bills until XX/XX/XXXX until I just couldn't manage paying any payments. I tried at the time to advise the reps at the agency, but their extremely rude, disrespectful and conduct their law firm with unethical business practices. I tried to reach out to XXXX as well whom the Rubin & Rothman is hired by and have yet to receive a response. Ive been had little no income since XX/XX/XXXX to XXXX of this year after returning to the workforce. There has been absolutely no correspondence received from Rubin & Rothman since the phone conversation in XX/XX/XXXX when there was an issue with payment and them being advised that I was on medical leave until XXXX of XXXX, receiving paperwork from XXXX XXXX Sheriff office for income levy and garnishment in the amount of {$11000.00}, which is way more than the agreed amount, no deductions of the payments made in the mount of XXXX XXXX I contact the attorneys office requesting a copy of the stipulation all payments made and have yet to receive. I have also filed a complaint with XXXX attorney general office for Unlawful and unethical business collection practices from this law firm hired by XXXX XXXX XXXX. I need for initial agreement amount to be reinstated, this judgement to be dismissed, the levy to be removed, a DEDICATED REP from XXXX to handle to my account to resolve this issue amicably.
Product: Checking or savings account

I went into a local CitiBank branch and opened a checking and savings account based on some promotional offers being offered by the bank. About 30 days later my checking account was frozen but the savings accounts were left as normal. 

As of 2 weeks later my checking account is still frozen due to their fraud prevention department flagging the account a fraud and not allow me access to the monies deposited. I have not received any communications as to why my account was frozen. I went into the same branch again to retrieve my funds, was only able to access my savings accounts but the checking is blocked. 

Where is my deposited monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for satisfied and paid through the original creditor. Original creditor has updated the files, however the collections agency has not responded to Certified Letters nor have they updated the credit report.
Product: Money transfer, virtual currency, or money service

I am filing an against Cashapp ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 Electronic Fund Transfer Act and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I have always kept up with timely payments for this account, never allowing them to be overdue. I'm unclear on why there are late payment remarks. As per 15 USC 1666b, billing errors should be fixed.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXXXXXX 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: Debt collection

I have never owned an account or signed a contract with this company for any services. I am requesting a copy of any original contract of an agreement entered into between myself and Unifin XXXX Inc., with my original signature on the original contract.
Product: Credit card

I have been having negative financial issues with my bank ( Capital One ) concerning my line of credit on a credit card I have with them. This began in 2011, just after my husband passed away. I had credit XXXX cards with Capital One at that time. I had a credit line of over {$10000.00} on the first card. No sooner had my husband died, the credit limit on that card was brought down to {$500.00}. I also noticed Capital One was using my {$85000.00} mortgage on my house toward XXXX credit, which I understand is not supposed to be used for these purposes. I closed that first card. 
Two weeks ago I applied for a greater line of credit on the second card, which has a limit of {$5000.00}. I was denied the increase because " Recent use of this account 's existing credit line has been too low. '' However, I have charged up to {$800.00} on this card in the past, and I have pristine credit including well over XXXX XXXX score ; pay all my bills on time ; pay the full amount ; never went into delinquency ; never made a low payment, and this account has never been past due. Also, Capital One did not tell me what a suitable charge amount is. 
I feel Capital One has been discriminating against me and its practices have been deceptive, especially since this all occurred after the death of my husband ( six months later ) whose finances were separate from mine. I have always had pristine credit. It appears also that my credit from other banks have not been harmed because of this issue with Capital One. I would like to know what options I have. Are they allowed to use my mortgage amount to determine the line of credit for a credit card?
Product: Credit card or prepaid card

Unknown person applied for XXXX XXXX using my name. I notified XXXX and was told by XXXX they would mark the app as fraud and l should also notify your office. Thank you
Product: Vehicle loan or lease

GM Financial Leasing, XXXX. XXXX XXXX, XXXX, TX, XXXX, phone number ( XXXX ) XXXX was paid off in full for what we owed under account no. XXXX for a lease on a new XXXX XXXX. They were paid in full because the car was totaled in an accident. They were owed {$17000.00} and they were paid {$20000.00}, and they were supposed to refund {$3100.00} to us. They were paid about XX/XX/2019, and said they requested that a check be sent to us for {$3100.00}. But when we did not receive the check, we called and we were told that there would be a 30 to 60 day delay in sending the check to us. They could give us no good reason for such a delay. We would like to have prompt payment of what they owe us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I asked the credit card company to allow me to join the hardship program. They sent me a form to complete in XX/XX/2016. I also sent in a payment of the negotiated amount of {$130.00}. They cashed the check and said they did not receive the form. The check was with the form. I continued to pay {$130.00} for the month of XX/XX/XXXX and XX/XX/XXXX and so on. Because they claim they did not receive the form they reported late pays for XX/XX/XXXX & XX/XX/2016 to all XXXX credit bureaus. I am wanting them to remove the late pays as a result of their negligence.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfers

Tried to get a {$150.00} money order cancelled from Western Union Company but they said they could not do that and I explained it got lost are stolen and gave them number for money order and said no guarantee can get refunded
Product: Credit card or prepaid card

I have had an American Express XXXX XXXX XXXX for approximately ten years. I have NEVER been late making my payments. In late XX/XX/XXXX or early XX/XX/XXXX I secured permission to spend {$1800.00}, as I planned to travel north to visit family. I planned on purchasing furniture and clothing for my son and paying hotel bills, all just using one credit card. At the time my " Pay over Time Balance '' was about {$1400.00} with a limit of {$3100.00}, at the time adequate to absorb about {$1700.00}. When I returned home in late XX/XX/XXXX, I learned my limit was reduced to {$2000.00}. I was not able to place more than {$600.00} on pay over time, which then raised my minimum monthly payment to {$1100.00}. I have made payments of {$150.00}, {$300.00} and {$610.00}, for XXXX XXXX and XX/XX/XXXX. When I call to complain I speak to someone in a foreign country who doesn't understand English. A collector called 3 days straight harassing me and badgering me to make a payment. I have explained that my payment is " delinquent '' because they have reduced my credit limit unbeknownst to me, and that their actions have interfered with my ability to handle my other obligations, but they indicate that they could care less. All they want is their payment which is impossible for me to make. Also I had almost XXXX reward points down to about XXXX and no one can explain their disappearance. 
I am considering legal action.
Product: Credit card or prepaid card

I had a American Express credit card and several months later they stated that I owe {$5000.00}, which was not true. Because American Express was asking to pay the {$5000.00}, I did not want it to affect my credit card score. So I sent a check by mail from my bank at the time XXXX XXXX. Several months later, American Express asked me for {$5000.00}, I stated that I already paid the {$5000.00}. Again years later, American Express said they asked me if I had any proof of sending the check. I had not made a copy of the check and closed my bank account at XXXXXXXX XXXX and because it had been years since my account was closed they didn't have access to my account any longer. So American Express was taking monthly installment of a total of {$5000.00} from my account at XXXX  XXXX XXXX and over {$12000.00} from my wife. I am requesting the investigate this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX XXXX XXXX : XXXX Reason for Dispute : No acknowledge Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX made initial contact on XX/XX/XXXX left a message, I returned call she threatened me with wage garnishing, jail, and quoted an outrageous amount owed of some crazy amount from XX/XX/XXXX. I never owed that on any credit card in my life. I had my card stolen and the charges were taken off is the last thing I remember about that card. this is a scam and they are trying scare tactics and calling my office and threatening to garnish my wages with no proof of the debt. when asked for proof of this debt he changed the subject. I am reporting this because it reminds me of the irs calls I was and still am getting threatening me with going to jail and levying my bank account, etc. I am very upset and would like some help with this matter. thank you
Product: Payday loan

I received a payday loan from speedy cash for {$2600.00}. I started paying monthly but realized the interest was out of hand. I got the loan consolidated and payed the outside lender. I signed a cease and dissist letter so speedy cash would stop contacting me. They continued to contact me and put a collections out for me although I payed the entire loan off through the outside lender. I contacted speedy cash and they informed me that the collections would n't go on my credit report and that was false. I would like that collection taken off of my credit report. The entire loan was paid off before they started contacting me through phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, 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: Debt collection

I sent a debt validation request to American Adjustment Bureau on [ date ] for XXXX accounts ( {$670.00}, {$1100.00}, and {$820.00} ), requesting proof of their right to collect, a detailed account history, and a signed agreement verifying my obligation to pay. Their response did not provide the required documentation or adequately validate the debts. They labeled my dispute as frivolous without addressing the specific issues I raised. The debts remain on my credit report, and I believe their handling violates the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

Company has failed to provide a credit limit increase for existing card Company has failed to validate and verify I am who I say I am & is using a " security freeze '' as a reason instead of utilizing internal banking knowledge to approve or deny card. 
Company has charged me {$50.00} to do banking with them. 
Application date XX/XX/XXXX XXXX XXXX XXXX Responded as of XX/XX/XXXX to secure virtual document exchange Company is not doing due diligence for it's brand or it's customers by manipulating the way my transactions have been made! Investigate all XXXX XXXX!