23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In requesting a balance transfer of {$4500.00} from my financial institution, XXXX ( XXXX XXXX XXXX ), I inadvertently chose CAPITAL ONE. The bank should have been XXXX XXXX. XXXX mailed the check to CAPITAL ONE which was cashed on XX/XX/2023. I attached a photocopy of the cashed check. After realizing my error, I have tirelessly attempted to reach someone at Capital One without success regarding the problem. I am hoping you are able to find a contact at Capital One in order to retrieve the {$4500.00}.
Product: Debt collection

CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This appears on my credit report, same address as XXXX XXXX collection agency who has no idea who i am when called. i have no idea who CAC is and what its in regards to and neither do they. Whats with credit reporting agency 's claiming to not know who i am and having open accounts on my report. Please remove your name from my report.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX To whom it may concern : XXXX Account number : XXXX On or around the date of XX/XX/2023 a payment was attempted to be make. Unfortunately, there was a glitch in the payment system that ultimately resulted in an unprocessed payment. I tried to settle this matter with the company, but to no success the issue was not corrected. The unprocessed payment have impacted my credit score tremendously. Im requesting a back dated adjustment that will place my account in good standing and paid for the month of XXXXXXXX XXXX XXXX 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020 mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper uses of my Credit files Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 letters from XXXX ( 2 different attempts ) saying I was declined a credit card because my " application contained unsatisfactory or unverifiable information ''. 

I did not request a " XXXX XXXX XXXX '' credit card. Someone is attempting to get a credit card in my name. 

The dates are XXXX XXXX XXXX  and XXXX XXXX XXXX I did contact XXXX XXXX XXXX XXXX. They are " reversing the check on my credit '' and sending me docs to start an internal investigation with them.
Product: Credit card

We started to get statements from XXXX XXXX regarding a past due amount due on a credit card for our company. We do not have a credit card with BMO so we called them to get information. They stated the card was opened 2 years ago and just recently became past due of {$8100.00}. I stated we have never had a credit card and to provide, charges, dates, where this card was sent to, etc etc. They refused to provide anything and kept either transferring or just hung up. They stated they would only provide information if it was paid off first. We called several times to report this as a fraudulent credit card or to get information. The more we spoke to them, the more it seemed that they XXXX was committing the fraud themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My complaint is about a Chase representative who lied to me and provided me with false contact information. 

I previously filed a separate complaint against Chase because I was unable to open an account online, despite their advertising that one could open an account online. ( complaint ID XXXX ) This complaint is because on XX/XX/XXXX I received a voicemail response from a Chase rep " Greetings, this message is for XXXX XXXX. And this is XXXX with Chase Bank executive office. This is just an acknowledgement call to inform you that we have received your concerns from the cfpb, and we will be responding to you and to the cfpb by the due date in the event that you have any questions for me. You can reach me at XXXX XXXX. My extension is XXXX, and my hours are from XXXX XXXX  To XXXX XXXX   Central Standard Time Monday through Friday. Thank you and have a good day. '' I called that number extension XXXX, and asked to speak with XXXX. The man who answered said that there are several XXXX who work in the executive office ( yeah, right ) and asked me for his last name, which I didn't know. He also said that the extension was incorrect, as their extensions are 7 digits long ( yeah, right ). He claimed that he was unable to find my complaint and therefore was unable to help me.
Product: Money transfer, virtual currency, or money service

Cash app closed my account several months ago accusing me of gambling. I have never used my cash app account to gamble. At the time of the cancellation of my account there was no recourse provided for my to appeal or speak to any representatives because to my knowledge from the Cash App platform itself they did not have any actual reputable customer care representatives that could be reached via phone who could help me through the proper channels to resolve the issue. I learned later that my sensitive information used to authenticate my account through cash app had been part of a mass data breach. My social security, telephone and address information had each been compromised. I have to block automated calls and text to this day and I believe that cash app is culpable for my sensitive information being made available through a third party that they privileged access to.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX  XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXXXXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 
Please delete this account. XXXX XXXX  XXXX did not report this account correct for more than a year. This account is more than XXXX XXXX XXXX. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Top Finance Co. was closed on XX/XX/17 and charged off. Top Finance Co continues to show this account as open. Top Finance Co. has subsequently increased the balance of this CLOSED ACCOUNT by {$100.00} every month for almost three years since this account was closed and charged off. As a result of Top Finance Co. fraudulently increasing the balance of this closed account, I have 32 late payments reported on my credit report for an account that was closed and charged off three years prior. This has occurred from XX/XX/XXXX-XX/XX/XXXX. Because Top Finance Co. has committed this fraud, this closed and charged off account currently reflects that it is delinquent or in collections ; having a SIGNIFIGANT impact on my credit report with all three credit bureaus. Top Finance Co. has also fraudulently reported 5 random payments on the account after the account was closed in XX/XX/XXXX and charged off, in which no such payments were ever made on the account. The term of the original loan before the charge off was 42 months, however Top Finance Co. has reported 70 months of payment history for this account because majority of the payment history was derived from their intentional fraudulent misrepresentation. All the foregoing is a violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter with Top Auto Finance , Inc. multiple times, however Top Finance Co. continues to violate federal credit reporting laws. 

I want ALL fraudulent information reported on my credit report after XX/XX/XXXX, when this account was closed and charged off to be removed with ALL THREE MAJOR CREDIT BUREAUS ; to include late payments, increased balances, delinquency, and collections. There should be no activity reported afterXX/XX/XXXX on the account with Top Finance Co. as the account was closed and charged off. The ONLY status that should reflect on my credit report for this account with Top Finance Co. is CLOSED/CHARGED off from XX/XX/XXXX. 

In addition to the above mentioned facts, Top Finance Co. has started to report the same negative erroneous information previously mentioned under a company name of Top Auto Finance , Inc. with certain credit bureaus. I did not realize this until I looked at my credit reports with greater scrutiny and noticed the slight variation in name. I have NEVER had an account nor signed a contract with a company called Top Auto Finance , Inc. Please reference CFPB complaint number XXXX. Please advise if I need to amend my previous complaint as I never had an account with Top Auto Finance , Inc., only TOP FINANCE CO.
Product: Debt collection

I have paid the debt in full and was told it would be removed from my credit report. I have called the credit bureau and they said the collection company is LVNV Funding LLC. I paid the account off to Resurgent Capital Services on XX/XX/23 in the amount of {$1900.00}. When I called today XX/XX/23 to find out why LVNV Funding is still on my credit report I got a representative by the name of XXXX and they said they would even talk to me until I was verified. They wanted my SSN, address, and then a credit card. I gave them all that and then they told me they needed another card. I asked why and they said that they had to verify me. I said I have already given you all my information and one credit card. They then hung up on me. I called the number back and got the same XXXX and she said I had to pay to speak to her. I then said I wanted to speak to a supervisor. She said she couldnt unless I paid them money. She said she would only talk to me if I gave her more credit card information. When I call the number now it just keeps saying busy. The number I called I was given by XXXX bank of XXXX and they said I had to speak to them directly since my account has already been written off and sold to them. I am terrified now that it was a scam but why would XXXX give me a scam number?
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX XXXX XXXX XXXXBalance {$100000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXXXXXX XXXX XXXX  -Balance {$13000.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I dispute the validity of this debt.This debt is not valid.I am requesting XXXX to obtain verification of debt. Please also include method of verification. 

( a ) The name of the original creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The Address : ( d ) The telephone number ; and ( e ) The documentation used to verify the debt Address of this Complaint- XXXX , CA.XXXX Loan Number of this Complaint- XXXX
Product: Debt collection

Account was put on credit report, causing loss, financial hardship and denial of credit. pretending to be from from government agency. re-aged debt. statue of limitations on debt
Product: Debt collection

Sent debt validation request letter on XX/XX/2024. Haven't received a response from the company and it is illegal to put this information on my credit report without being validated.
Product: Debt collection

I SAW A NEGATIVE REPORT ON MY CREDIT FROM WORKS AND LENTZ AND I CALLED TO RESOLVE USING MY XXXX XXXX BUT THEY ARE SET UP AS AN ACCOUNTING OFFICE AND IT DIDNT GO THROUGH I THEN TRIED TO CALL CLIENT DIRECTLY AT XXXX XXXX BILLING OFFICE AND WAS CONFIRMED I OWED N O  BILL WHICH MADE SENSE BECAUSE I AM ON XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : $ {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXXXXXX XXXX  XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00}
Product: Credit reporting

XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them of {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing of {$1200.00} I never owed that much on the card. This is inaccurate all around!
Product: Mortgage

I am enrolled with XXXX XXXX for biweekly mortgage payments, but this month XX/XX/XXXX my mortgage has not been paid. When I called XXXX XXXX the first time I was told my payment will post to my mortgage company in 2 business days, when this did not happen and I called again I was told the same thing. The third call I was told the same thing so I asked for the supervisor, and asked for my money to be returned to my checking account. I was assured that this will happen in 2 business days and post in my account on XX/XX/XXXX When I did not see the money in my account on this date I called back and was given XX/XX/XXXX as the date when I will get my money. I was on the phone about 45 minutes between holding and being transferred to the supervisor who really did not seem to care. I asked to speak to someone higher up, but I was told that the supervisors were as high as I can go. It is the end XX/XX/XXXXand they have not paid my mortgage or refunded me my money.
Product: Credit reporting 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 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 remove these files. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Sincerely
Product: Credit reporting

On the Trans Union credit report- XXXX XXXX XXXX has the " Rating Key '' listed as OK for as long as we were with them XX/XX/XXXX to XX/XX/XXXX. We closed this account XXXX/XXXX/XXXX. However, there is a statement " XXXX ; maximum delinquency of 120 days in XX/XX/XXXX ''. This statement is causing our insurance company to give is a less than favorable rate. 

The account was originally opened XX/XX/XXXX as XXXX XXXX XXXX. In XX/XX/XXXX they became XXXX XXXX XXXX. Since we closed our account XXXX XXXX XXXX is no longer in business. However as of XX/XX/XXXX active accounts are currently with XXXX XXXX XXXX at the same address as the obsolete XXXX XXXX XXXX, and using the same phone numbers. 

Because of all the sellouts/mergers, and the fact that ours is a closed account ; every time we file a dispute thru Trans Union, the request for XXXX XXXX XXXX verification is going to XXXX XXXX at the same address ; which has no record on our account. I have contacted XXXX XXXX as requested by Trans Union. XXXX XXXX has tried to help, but with no information they can not clear our Credit Report. only thing they can verify is that XXXX XXXX XXXX is no longer in business. 

Frustration and confusion- how can in 9 days of XX/XX/XXXX we acquire a 120 day delinquency as shown on our credit report for XXXX XXXX XXXX? How can I clear this discrepancy? Trans Union ( always a foreign speaking individual ) can only file a dispute - this puts us back into a loop!!!!
Product: Debt collection

I am a veteran and looking to purchase a home for my family. I checked my credit report as we are trying to make sure we have everything together for next years home purchase. I notice a collection from AD Astra that I did not recognize as something I would owe or to the best of my knowledge I do n't know what this was. I also did not recognize the amounts they are saying I owe. I did some research and decided to dispute the account with AD Astra in XXXX and also again in XXXX and never received any responses in the mail from them. It is very frustrating as I was expecting to hear back from them. I read online about the Consumer Financial Protection Bureau and felt like this was a good next step since I ca n't get AD Astra to respond. I even sent a dispute letter in a legal affidavit format to let them know I was serious about what this and wanted to get some kind of validation of what this was.
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. 

XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

CHILD SUPP Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.
Product: Checking or savings account

In XXXX / XX/XX/XXXX, I received a promotional flyer from Citibank and it was advertising that account holders opens Citi checking account, deposits new to Citi funds and holds the balance for a certain period of time, says 60 days or 90 days, account holders would receive a cash bonus of {$500.00} if the balance maintain a {$30000.00} or above. 

I did call the Citibank hotline to confirm before opening the checking account, I was told I would be qualified for a cash bonus. Hence, I opened a new checking account on XX/XX/XXXX and funded more than {$30000.00} subsequently. 

In XXXX / XX/XX/XXXX, I called the hotline again and confirmed with the Citibank staff I should be qualified for the cash bonus of {$500.00} if I moved the fund out from the newly opened checking account. I was told that the cash bonus of {$500.00} would be deposited to me in XX/XX/XXXX. Until XX/XX/XXXX, I called again to follow up the cash bonus of {$500.00} payout status and submitted a dispute case XXXX. However, I didnt receive any update / cash bonus {$500.00} from Citibank until now XX/XX/XXXX.