23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an offer from XXXX XXXX offering XXXX reward points after spending XXXX. I applied and received the card. I made the purchases on the credit card within the time frame only to have XXXX XXXX tell me that I do n't qualify for the offer because I hold another XXXX XXXX card. I have written complaints. To XXXX but have n't received the credits. XXXX XXXX sends out offers to consumers to get customers and need to abide by the rules and honor their offers. I could have spent my money with other credit card carriers and received rewards for using ther credit cards.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number [ XXXX ] for this incident. 


As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : Account Info Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquires XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX on my XXXX credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company XXXX XXXX XXXX said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY 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
Product: Mortgage

On XXXX/XXXX/XXXX I received a loan application rejection notice from Provident Funding Associates ( PFA ), XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. The loan was requested for {$110000.00} though the house was appraised at {$160000.00}. My credit score was reported at XXXX. 

I was rejected due to roof conditions of the house as the only reason although a roofer repaired minor work to the roof for {$6500.00}. The repairs were paid for from my available cash funds though the licensed roofer 's report and the appraisal report said these repairs were minor and could wait. I had proposed an escrow arrangement with PFA as this HUD home purchase would not allow any work before closing, but PFA rejected that too. I would have waited to fix the roof as it was not necessary at this time, but did fix the roof after closing with a new lender. 

I pursued and obtained a loan through another company and was approved though repair of the roof was not a pre-condition.
Product: Credit card

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

THD/CBNA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The security breach of Equifax is unacceptable.
XXXX and other such companies make profits by requiring access to our personal information as a condition as our being able to engage in financial transactions, yet they do not take adequate steps to protect our information. Then when there is a breakdown in their security they try to place the cost on the consumer. All financial costs for these breaches should be put on the responsible parties - these companies.
All of these companies should allow citizens to securely lock their data without charges or fees for locking and unlocking / freezing and unfreezing their credit files.
Significant fines should be imposed when companies like Equifax fail to maintain security of information. There should be regular audits of these companies to make sure they are secure. Thank you.
Product: Debt collection

The collection company Louisiana Recovery Service ( XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX ) was reporting a medical bill on my credit report. The high balance on the report was stated as {$1000.00} and the balance on the account was XXXX. After I made a big purchase ( and not getting the best deal ) I was told about this collection account on my credit report. After disputing this more then once with the credit bureaus it always resulted in updated report. Upon further request and calling insurance company I was informed that the billing amount for this service was {$1000.00} and after the insurance paid the balance was XXXX. This balance is still being investigated because I'm almost positive I paid this. Anyway, because of the new laws that they president implemented, this collection agency was falsely reporting amounts to keep this on my credit report. This is not fair and unjust!. I had to spend weeks to speak to all of the credit bureaus to get this removed.
Product: Checking or savings account

Kabbage refuses to close my Kabbage checking account despite my repeated requests over several weeks. I've attached a screenshot of their website FAQ describing how to close a Kabbage checking account : they say to bring the balance to {$0.00} and then call to request the account be closed. I brought the account to {$0.00} and on XX/XX/XXXX I called to request the account be closed. That day on the phone the rep confirmed the checking account was now closed. 

However, I learned on XX/XX/XXXX that the checking account was still open and had not been closed ( because Kabbage began sending me fraud alerts of attempted purchases in another state using my debit card ). 

I called Kabbage again to explain on XX/XX/XXXX. That day, the phone rep told me my checking account had not been closed. I asked for an explanation of why my checking account with a {$0.00} balance had not been closed per my XX/XX/XXXX request, despite Kabbage 's own website FAQs about account closures stating that the {$0.00} account would be closed per my phone request. They also told me they refuse to close the account until 60 days have elapsed. 

Kabbage responded to my CFPB complaint with a letter stating that they refuse to close the account until 60 days have elapsed with a {$0.00} balance. 

This response is unacceptable, not in line with standard banking practices, and contradicts their own Kabbage website FAQs about how to close an account ( bring the balance to {$0.00} and call to close -- nowhere does their own site state that you can not close an account until 60 days have elapsed ). 

Today XX/XX/XXXX I discovered my Kabbage checking account is still not closed, and now its balance is {$2.00} despite my having brought the balance to {$0.00} on XX/XX/XXXX to close it ( apparently they deposited {$2.00} in interest on XX/XX/XXXX, despite the account 's balance having been {$0.00} since XX/XX/XXXX ). So, today XX/XX/XXXX, I called Kabbage again and this time requested they close the account immediately and mail me a refund check for the {$2.00}. 

Per Kabbage phone rep reference number XXXX, the rep said she has requested a {$2.00} refund check be mailed to me. She again refused to close the checking account : she said the account must be at {$0.00} for 60 days before they will close it, and the XXXX clock restarts today XX/XX/XXXX ( regardless of my having called to request it be closed on XX/XX/XXXX when it already had a {$0.00} balance ). 

I have never experience this refusal to close an account upon request with any bank, ever. Every other bank I have ever banked with closes checking accounts immediately upon request, regardless of balance. 

Kabbage must comply with my request to NOT keep my checking account open and close it immediately -- not at some date 60 days in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has my information and has sent it to some company and will not tell me the lender that asked for the information or the sources of their information on me. I want to freeze them from obtaining and distributing my information and in order to do so I have to mail or fax my personal information to prove that I am in fact myself which defeats the whole purpose of me not wanting them to have access to my information. I did not nor would I ever give a company thats on the whole opposite side of the nation my consent to collect and distribute my information.
Product: Credit card

XXXX credit cards were stolen and used unauthorized in XXXX XXXX while on a business trip in XXXX XXXX, CA. 

XXXX cards were used at a XXXX club for {$65000.00} over the span of 4 hours ( temporary charges showed closed to {$80000.00} ). I brought {$400.00} in cash but was drugged and missed my flight the next day. I filed a police report of my cards being stolen as well. I did not authorize any of these charges, let alone know how one person could have spent {$65000.00} in the span of a few hours. 

1 card was used at XXXX XXXX for {$8000.00}. The single card after I reported it stolen was immediately refunded within a month after the evidence reviewed did not match my spending history ( ever ). 

The other XXXX cards the bank is refusing to side with me or my attorneys. We received copies of the invoices only 2 months ago after months of demands of details. They had a copy of my license ( which the place took when I first came in to " scan it '' ) and the handwriting and signatures on the invoices which is not mine. I had a weak signature and the banks stance is it is close enough to previous signatures I have provided. The tip and dollar amounts are written in handwriting that looks nothing like mine. 

Additionally many of the time stamps of the receipts are well past the venue closing at XXXX PST ( XXXX/XXXX/XXXX XXXX XXXX ). My credit lines were both used over the limits, and there are no records of the bank trying to call me to verify the large charges. In fact XXXX card was used in a different state that given super sonic travel could not occur that same day but the bank did not call me to cancel the card either. It 's as if they allowed all the charges to go through and see what happened later. Charges of XXXX,XXXX, and XXXX went through without any verification ( where is the security protection )? 

Please let me know if you would like more details. I can see what I am allowed to disclose but I feel this is a violation of FCBA, my credit card protections, and simply providing good customer service. I think other consumers should be aware of this bank and their treatment and lack of any customer service through this event. 

Also the strip club has a history and previous law suits to this effect that the bank is also ignoring ( please see attached for some existing cases in both significantly less dollar amounts vs fraudulent activities ). 

I look forward to speak and hopefully providing additional detail so others can be aware of this situation. 

My attorney is : XXXX XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX
Product: Debt collection

I wrote and mailed a dispute letter to XXXX and XXXX in XXXX 2017, pertaining to a collection account that had been placed on my credit report from the collection company AFNI, INC. XXXX and XXXX  responded with a copy of my credit report stating that the account in question was verified by the creditor. AFNI, INC did not provide any documents or evidence to verify the account, but instead lowered the debt to {$110.00}. I sent another dispute letter to XXXX and XXXX in late XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt AFNI, INC reported the debt again for the previous amount of {$1100.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX  and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Cash App account to fraudulent investment firm ( s ).
Product: Checking or savings account

We have cc account with Sandy Spring Bank! The accounts were closed 18 months ago but XXXX of fees were being taken out monthly. Contacted the bank to stop unauthorized debits and they said they could not help. Closed the acoiuny and they took monies out if another account.
Product: Debt collection

In XXXX of XXXX my son had a case of XXXX XXXX. My ex wife and I have shared custody and he was with her at the time. When we talked I suggested making an appointment with his family doctor. Instead she took him to the ER and incurred this debt. Earlier this year the collection agency started making continuous phone calls to me. I have requested documentation that this is my responsibility but so far have received none. Also comments have been made by their agents to the effect of " so you would not pay for your son to get medical attention? '' Frankly, no, when it is not necessary, done without my consent, and could have been handled by his PCP and covered by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit card

After reaching out to this company dispute a fraudulent card in my the company used my personal information to update the account and reopen the account after fraud. This is engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and i did not agree upon this or ask them to reopening this account. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/2021, XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXXXXXX XXXX : {$1900.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I received 2 emails from PayPal stating there were transactions on my account to a person named : XXXX XXXX email : XXXX. Two transactions for XXXX and XXXX CAD. I called and filed a dispute on the transactions to cancel them and stop them from going through. Within 8 hours I received emails from PayPal stating that the claims were denied as they found the transactions to be " not unauthorized '' allowing the transactions to continue, making me have to file fraudulent charges on the transactions with my bank. I also received an email from PayPal while I was making the complaints on the transactions that there seemed to be suspicious activity on my account. Yet the transactions were still allowed to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

on XX/XX/21 and two weeks previously i tried to deposit monies into my checking account. the deposit consisted of a credit card stimulus payment from us govt, {$1400.00}. bmo harris refused to accept my id, altho this is the same id used to open this account years ago. bank tells me i must show them a state issued id or a passport. i do not own these other ids '. if my id was good enough to open an account, why is it not good enough to make a deposit. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, and XXXX, accounts were opened fraudulently in my name because I was in XXXX from XX/XX/XXXX to XX/XX/XXXX. I sent XXXX classification paperwork along with my XXXX ID stating the dates that I were XXXX  After Capital 1 fraud department investigated my claims, it was determined that these accounts were determined to be fraud. I explained to capital 1 customer service XXXX XXXX XXXX XXXX, XXXX XXXX, And XXXX XXXX. I explained to all these representatives how I am a consumer with consumer rights utilizing Consumer Law. USC 1681n, and 607b FCRA. These fraudulent accounts were opened due to fraudulent applications, and was posting on my credit reports for years damaging my credit profile. This cause me to be denied funding, denied for installment loans. FCRA 607b states that Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy not minimum accuracy. USC 1681n FCRA addresses non compliance, but specifically willful non compliance. Any party with the knowledge that it violated the FCRA, or in reckless disregard for the FCRA and it's associated requirements, leads to serious consequences for the offending party. Specifically Capital 1, but also includes XXXX, XXXX, and XXXX for reporting these inaccuracies for years from Capital 1 allowing fraudulent applications to be opened in my name reporting to all 3 major credit bureaus damaging my credit profile. I am seeking compensation for stress, XXXX, XXXX, pain and suffering, and loss of wages. I am seeking {$250000.00} from Capital 1, and {$500000.00} from each credit bureau mentioned above for violating my consumer rights USC 1681n, and 607b FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CREDIT MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE