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

XXXX XXXX, Experian, and XXXX are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.
Product: Credit card or prepaid card

I was financially struggling but remaining in communication with Capital 1 in regards to my Capital 1 credit card. I paid off my credit card this summer under the advice of their staff that stated that I would be able to have use of my card after I paid. 

When I paid and called back to have the restriction removed the first person I spoke with said that the account was not closed -Staff name is XXXX XXXX 

The second person I spoke with XXXX ( XXXX ), stated that there was a permanent restriction on my account and that I could reapply for another card. This goes against everything I had been told previously and I feel I was mislead intentionally so that they would get their money back. 

The third person I spoke with ( XXXX XXXX XXXX stated that the account was not closed but restricted. Again I was not sure what this meant given the card could not be used and that reapplying would mean a new injury on my credit which I wanted to avoid. She stated that she would document my compliant but when I asked for a confirmation of the complainant being filed she stated that she was a manager and unable to transfer the call any higher and that there is no formal compliant process which I also asked to be documented that I was upset about she directed me to write a letter to Capital 1 if I wanted to file the compliant with response. she stated that there was a letter which I never received. 

I was financially struggling but still choose to pay back the card company as I am really trying to work on my credit I feel I am being punished for trying to do the right thing. There were times I choose not to buy fruit and vegetables because I wanted to pay back my card company and another time I choose to pay back Capital 1 instead of paying lights. I was dedicated to building my credit and having access to a credit card again as it is the only one I have. I would not have made these extreme sacrifices during my time of need if I had been informed that I would not have access to that card in the future. I was fully under the impression I would be able to use my card again in its full capacity once I paid my restricted account and not one representative that I spoke to while my account was still owed corrected this for me even after conversation with them about using the card responsibility in the future. This is misleading and I was purposely not informed about the account restrictions. 

What I really dislike about this is that they made money off of me being in hardship. I believe I paid more in interest and late fees than I ever spent on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on this account I would like it to be removed From my XXXX and XXXX be XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XX/XX/XXXX - XXXX XXXX  - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$13000.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 74 Months Company sold NCB MANAGEMENT SERVICES INC .
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX
Product: Credit card

The credit card was used while I was on Vacation in XXXX XXXX XXXX, without my permission or authorization. 
On XX/XX/year> I received an email from barclasfraudalert @ XXXX AM about a potential fraudulent use. 
I contacted the bank Immediately and we discovered XXXX unauthorized transaction as follows : MERCHANT : AMOUNT : DATE : XXXX XXXX XXXX XXXX {$3300.00} XX/XX/year> XXXX RESTAURANTE XXXX XXXX XXXX {$84.00} XX/XX/year> XXXX XXXX XXXX {$4.00} XX/XX/year> XXXX XXXX XXXX in my possession when I made the call. 
XXXX  Fraud Departemnt initiated a investigation that concluded that since the card was in my possecion and the chip technology was used and the card was present at the time of purchased that I am responsible for these purchases. 
I did not make these purchases and the card could not be present unless it was cloned.
Product: Checking or savings account

I have been locked out of my account for over a week. Ive tried resetting the password multiple times and it redirects me to call the Citibank. Ive spoken to 4 different representatives and each time Ive been redirected to go into a branch since I could not remember my safe word which was created over 7 years ago. I am in a state that does not have a branch so I have been not able to access my funds.
Product: Mortgage

I had a second mortgage with a balloon payment, the payment came due in XXXX of XXXX, I filed for a modification XXXX separate times, in XXXX of XXXX the modification was approved and the loan documents were signed and notarized by all parties, returned via XXXX XXXX Bank of America on XX/XX/XXXX ... the said there was a problem with the notary signature so new documents were signed notarized and mailed via XXXX on XX/XX/XXXX. Bank of America Never finalized this modification and in XX/XX/XXXX they sent a letter stating that they were canceling the modification because the documents were not received, even though I called multiple times and verified that they did in fact receive both sets of documents. The terms of this modification also were not very dgood and resulted in an increase in my monthly payment of 300 % ... even though my first modification application was denied do to my lack of income and inability to pay... Throughout this process I have not received even XXXX phone call or letter from the person assigned to my modification application, even though they claim to have attempted to contact me, they are lying, The are also lying about the Error in the notary signature, as the error they claimed occurred in the first set of documents was specifically addressed with the second set.. I do not believe the underwriter ever even viewed the second set and perhaps open the original documents bu mistake or perhaps they were uploaded incorrectly, in any case... signed and notarized loan documents exist and it is Bank of America who failed to finalize the the modification ... After all this I was told to reapply for modification, but was not even sent the original application packet before it was denied for failure to provide documents.. hie can Inprovide documents when they never send them? On top of all of this I have received numerous collection calls even though this loan was XXXX in my bankruptcy in XXXX ... On top of all of this I notified them in XXXX that I was applying for the Homeowners Assistance fund and they continue to send letters threatening forclosure... Interesting how they have no problem mailing those letters but refuse to send the documents needed to apply for the modification... this had been very frustrating and in all honestly I have lost all hope that XXXX XXXX is actually trying to assist me, I think they are trying to steal my home and are completely not operating in good faith ....
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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: Mortgage

SPS Loan # XXXXBorrower : XXXX XXXX XXXXProperty Address : XXXX CA XXXXShort Sale Package was submitted XXXX/XXXX/2015. The foreclosure date is set for XXXX/XXXX/2015. SPS is refusing to evaluate the borrower for a short sale or even postpone the foreclosure sale date. Why did it take 15 days for SPS to make the NEW determination that they were not going to work on the file? 

We request that all of the servicing notes on this file be pulled by the CFPB and examined not only for federal compliance, but also for California Homeowner 's Bill of Rights compliance.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022, I purchased a vehicle from an car company XXXX XXXX XXXXXXXX ) and I already had a pre-approval from my bank XXXX XXXX XXXX XXXX. They expressed to me that they could get me a better interest rate, with another bank that they have partnered with, and that it would not be a hard inquiry on my credit, but a soft inquiry. 

They expressed that it would be a pre-approval so that there would be no hard inquiry on my credit report. As I checked my report, I've seen MULTIPLE inquiries from auto lending banks and this company did NOT have my permission to do so.

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 Following hard inquiries that should be deleted and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

EXPERIAN DID not investigate properly FRAUDULENT ENTRIES AFTER I CONTACT AND REQUESTED INVESTIGATIONS
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-XXXX XXXXXXXX -XXXX XXXXXXXX XXXX  XXXX -XXXX XXXX XXXXXXXX -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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}
Product: Credit reporting or other personal consumer reports

I have reported these accounts either dont belong to me due to fraud or/and I showed proof that I never owed a balance to XXXX. These accounts are XXXX XXXX XXXX : {$620.00} XX/XX/XXXX XXXX XXXX : {$470.00} XX/XX/XXXX XXXX Funding : {$670.00} XX/XX/XXXX NXXXX XXXX : {$710.00} XX/XX/XXXX XXXX XXXX apartments : {$2700.00} XX/XX/XXXX
Product: Debt collection

I called them about the debt and they were very rude. They told me to call multiple people. I didn't even call to confirm the Dr . Appointment and they are still charging. I had no phone or transportation. They were rude about that as well
Product: Debt collection

Several times, since the month of XXXX ( XXXX ), I have been trying to reach out to XXXX XXXX XXXX, via email regarding a debt ( {$1400.00} acct # XXXX ) that they claim I owe. Said debt is being reported on negatively on my credit report ( s ). I have asked for validation of debt ( original contracts with signature, etc ) However, the company has not  complied with my request, of which should be honored by law. My reason for demanding validation, including my signature, is because I have had medical insurance for well of 10 years and I NEVER received any outstanding bills to be paid ( from said original creditor-XXXX XXXX ). Either the hospital did not allow enough time for the insurance to pay the bill or they never submitted one- but either way, I was never notified and these items ( IF PROVED TO BE MINE ) should not be reporting on my credit report!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

***New complaint, unresolved issue *** Per the attached, it is again still clear that Omni is reporting a duplicate debt on my XXXX report. The same debt is listed as two different accounts. This is a clear violation of my rights under FCRA.
Product: Debt collection

This Speedy Cash Loan Was Supposedly To Have Been Granted On XX/XX/XXXX For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I never recieved any loan and what current information that i do have about this account came from The collection agency Adstra following an update from my credit report which made aware of the fraudulent loan/ activity Concerning This Fraudulent loan and account with Speedy Cash. I Contacted Speedy Cash To Inform Them That This Was An Result Of Fraudulent Activity. Thier Response Was Very Unprofessional In Means To handling My Complaint Stating That They Tried To Contact Me Concerning The Account And were Not able To Contact Me, I Clearly Stated Of Course You Wouldnt Be Able To Contact Me If Its A Fraud, Explaining To Them The Current Matters Revolving The Fraudulent Account And Going Over The Fraudulent Account With Them Showing Them That The Phone Nummber That Is On The Account Doesnt Belong To me, Neither Does The Email address On The Account Belong To Me, Nor Does The Mailing Address Belong To me. My Primary & Current Residence Has Never Changed, The Current Email Address That I Am Using Now Has Never Changed, Nor Has My Phone Number Ever Been Anything Other Than The Phone Number I Currently Have To This Day. I Have Never Recieved Any KInd Of Mail Or Documentation Through Via Email, Phone, Nor Home Address Concerning Anything With Speedy Cash NOr Have I Ever Had Any Dealings With Speedy Cash, Let Along Ever Had A Loan Or Needed One. I Dont Even Have A Login Or Account With Speedy Cash Via My Phone Number, Email, Or Home Address. Down Below I Have Provided My Identity Theft Report To Show Proof That This Is Fraudulent Activity Conerning This Account # XXXX With Speedy Cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance XXXX {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was erroneously charged multiple fees to my Macy 's store card account beginning in XX/XX/XXXX ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my Macy 's account in XX/XX/XXXX, or at least I was under the impression that I had paid off my account ; however, due to Macy 's billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX. The first fee I incurred was on XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On XX/XX/XXXX, I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On XX/XX/XXXX I was charged another late payment fee in the amount of {$37.00}, and on XX/XX/XXXX, a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees. <P/>I was finally notified the week of XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called Macy 's store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to Macy 's reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.