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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted EQUIFAX and submitted a Federal Trade Commission identity theft report along with a police report regarding fraudulent account, XXXX XXXX, that is on my credit file. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. According to EQUIFAX it will take 30 days for them to complete an investigation, not 4 business days. Note that all documents submitted to EQUIFAX are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed over a copy of my driver license, social security card, and my utility bill and I still haven't received anything from them. It have been three months. Lord knows I never gave them written instructions to put false stuff on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Checking or savings account

Citibank is refusing to close my account since I can not remember my security word and have lost my ATM. Account has XXXX balance but monthly fees continue to accrue as I am unable to close the account
Product: Credit card or prepaid card

Wells Fargo-They contact me. I filled out the application and I was approved for a credit card with a {$3500.00} limit in XXXX XXXX. 

As of today my balance is approx. 1800.00. Last month I made a payment on XX/XX/2018 of XXXX, when my minimum due was only {$27.00}. 
Today I tried to make a card purchase with this card. After trying three times, I was unsuccessful. I called Wells Fargo and they told me based on my credit reporting status they reduced my limit. I asked them how can you just reduced my limit when I only had the card 3 months. Secondly I paid you more than your requested. I told them they didn't give me a chance to show them over time that I would pay them back and lasting how can you just decrease my card with no notification. 
Furthermore, I just paid off a vehicle financed through Wells Fargo Dealership. I fulfilled my contract for 72 months and was never 30 days late! 
I could of needed my card in a emergency situation. I could of been out of town or out of the country and depended on this credit card to get back home! They just reduced my limit with absolutely no warning and in my opinion no reason ... my fico score status is the same as it was when they gave me the line of credit. Now since they reduced my credit card limit, this is lowing my credit score, because now it is up to the limit!
Product: Credit card or prepaid card

Please reference CFPB complaint : XXXX Additional information : USAA called me on XX/XX/2019 saying they received a notification from the CFPB and would be cashing out the CD that back my secured credit card that was closed on 1XX/XX/2019. They stated clearly that they would be sending me a check for the full amount and reviewing their policies for how they hand secured credit cards in the future. 

THEY LIED! 

Today is XX/XX/2019. USAA did cash out my CD but they are now denying me my own money. They have effectively STOLEN my money, over {$1000.00}. I NEED HELP GETTING MY MONEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 XXXX XXXX received {$1100.00} from my bank and deposited the money in their account but they put the amount on hold. The hold was because a discrepancy in the escrow account due to the H06 insurance increased. The correct amount was {$1200.00} therefore, there was a discrepancy of {$110.00}. I never received any e-mail or mail regarding the discrepancy to get my attention. They said they tried to call me, but because the many unsolicited calls I get from XXXX my phone system might have blocked the call. 

I would like to point out that XXXX DO NOT send statements via e-mail or mail. They only send an e-mail with a link saying that documents are available online and do not show any amounts which would have gotten my attention. 

On XXXX I went into the website and I realized that the amount had change. I immediately contacted XXXX and the agent told me to pay {$230.00} ( two months ) to bring the account current. He said to go to the site and pay it, which I did. However, instead of taking only the {$230.00} for the escrow difference the site took {$2700.00}. Which is 2x the {$1200.00} + {$230.00}. I realized this when I got the confirmation e-mail. 

Since then I have been calling XXXX to get my money back to no avail. Please remember that they already had the {$1100.00} from XXXX payment. So in total XXXXXXXX XXXX took from me {$3800.00}. They apply these funds without consulting me and posted on the web portal that my account was paid until XXXX. 

However, the real injury is not that I'm out thousands of dollars but that XXXX also reported my account as delinquent. I had excellent credit before this fiasco but the late payment report took 91 pts from my score. This will greatly affect many areas of my financial life and the ability to get a fair deal on loans for the next 3 years. 

This is totally unfair because there was not LATE PAYMENT. I have called several times and I have spoken to a supervisor and they keep saying that the late payment is correct and there's nothing they can do. The system is designed on their favor
Product: Credit card or prepaid card

I was charged for an in store purchase of {$110.00} on XX/XX/22 at XXXX XXXX for a purchase which I requested but the cashier refused to provide a paper receipt so I declined to complete the purchase and left the store without the merchandise. The vendor still ran the charge, which posed to my Barclay 's Bank Jet Blue card on XX/XX/22. I initially disputed the Charge with Barclay 's Bank. They asked if I had disputed it with the vendor. I had not at the time, so I selected no as a response. They said try to resolve the dispute with the vendor. I tried to resolve the dispute the vendor, but because I did not receive a receipt, I was unable to resolve the dispute with the vendor. I then tried to reopen the dispute with Barclays Bank US, now that I had followed the instructions provided by the bank to try to resolve the dispute with the vendor and was unable to do so. They would not allow me to resubmit the dispute, and the message I received was that the transaction has already been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) .This account was opened from XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is not in XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX. Experian reported from XX/XX/XXXX to XX/XX/XXXX. It again reported another conflicting date of last payment of XX/XX/XXXX. This is inaccurate payment history reporting. The investigation result avoided addressing the issue I raised. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2923, I opened my Cash App to find my balance was $ XXXX due to a charge from XXXX XXXXXXXX XXXX XXXX in the amount of {$75.00}. I promptly disputed this charge thinking it was the previous authorization for incidentals made on XX/XX/2023 that had already been released. I then called Cash Apps customer service and was told that it was a new charge and not related to the XX/XX/XXXX authorization and that it had been manually entered ( no card present ). Since I had already started a dispute, they couldnt do anything else about the charge but did tell me that this same merchant had tried also charging me XXXX cents as well. I made the representative aware that their website had not allowed me to attach any documents and I had noted that on the web form too. I was told that that someone would reach out to me within 3 days. I then contacted the hotel and was told they had no record of making that charge on the XXXX of XXXX and that they had no charge at all to my debt card. Since my reservation was paid for through a 3rd party, it would have only been the {$75.00} authorization for incidentals that would have been run and nothing else and it would have expired, which the hotel confirmed. The hotel suggested I had been hacked until I told them that made no sense. The hotel also said the charge ( if it had been them ) would have said XXXXm XXXX  XXXX and not XXXX XXXX XXXX XXXX. The hotel manager XXXX suggested that I dispute the charge and claimed no responsibility for making it. On XX/XX/2023 I received an email from Cash App denying my dispute and saying there was no error made. I asked for the documentation that was used and received a simple one page letter that contained the charge with the date and time of the charge and the description of card not present purchase and the rationale that no error had been made, that was it. Nothing else. I requested that I want to appeal their decision and that they didnt even allow me to submit any evidence and by their own admission, that the charge is fraudulent since they say it is a new charge made without the card present. I also informed them that the hotel denied making the charge in the first place. Cash App will not listen to any of this. 
I feel that the hotel is claiming no responsibility and Cash App is claiming no responsibility or error and Im the one who pays for what is nobodys fault. Somewhere there was an error made but Cash App rules against the Consumer without even bothering to investigate properly or reach out to the customer.
Product: Debt collection

I filed complaint with CFPD XX/XX/2018, # XXXX. The company Capital Accounts LLC responded XX/XX/2018 stating the same exact word for word response as they do to credit bureaus. I was advised by all three major credit bureaus to send the exact documentation to your organization and CFPD would have it removed because I do not owe this debt. After the company Capital Accounts LLC responded, my case was immediately closed within 5 minutes. This is not an investigation. I request a full investigation.

I called CFPB immediately and was told that my attached documents ( which all was in 1 attachment ) had not been reviewed and to submit a new complaint and she was flagging my first complaint to be further investigated. I was told by the representative that this complaint should have resulted in the negative trade line should be removed from my credit file as it is direct, black and white proof that this debt is not owed. I will attach the documents ( in one attachment ) again. I ask for each one to be reviewed. I request the negative trade line to be deleted permanently.

Capital Accounts claims I owe {$120.00}, as stated in their letter to me, however in their response they claim I owe {$100.00}. 
-Texas Consumer Protection Statutes : 808. Unfair practices, 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Capital Accounts has committed a violation.

Capital Accounts LLC also blatantly lied regarding their statement that when a copy shares medical records to a debt buyer, that that is not a HIPPA violation, when in fact it is. No debt buyer or collection agency should be given medical records when a debt is purchased. Especially when the debt is not owed. All medical providers require their HIPPA form to be signed before an appointment. I did not give consent to Capital Accounts LLC to have access to my child 's medical records. Nor did I give consent to XXXX XXXX XXXX to share mine or my child 's medical records. Both companies have committed a federal law. Capital Accounts LLC states that XXXX " opined a medical provider does not violate HIPPA when it shares medical information with a hired debt buyer ''. This statement is 100 % false. XXXX has just informed me that it is a violation as well. The patient 's rights have been violated. A debt buyer should not have the medical records. This is a violation on numerous federal laws. 

I request further investigation into this false claim that this debt is owed. I request that each document I have provided in my ( 1 ) one attachment be reviewed. I request the debt to be removed from my credit files. I also request that Capital Accounts LLC be held accountable for their deceptive trade practices and credit reporting. 

Thank you for your time and assistance.
Product: Credit card

On XXXX, I made a {$3500.00} payment on my American Express XXXX XXXX credit card. I checked my credit card statement over the period of several weeks, and realized that the payment had not been deducted from my bill. I telephoned the holder of my Amex card ( apparently XXXX XXXX ) and was told that they did not receive my payment. I telephoned XXXX XXXX XXXX XXXX ( my bank ) and was told that the funds had been disbursed to Amex ( XXXX XXXX ). I contacted Amex several more times and was told that they had not receive the payment. Again, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was told that Amex did received the payment. I told the XXXX Representative that Amex denied receiving the payment and requested that the funds be returned to my account and XXXX did so. Afterwards, Amex told XXXX that I authorized the payment and on XXXX, the {$3500.00} was deducted from my XXXX account, but to date does not show as a payment on my Amex card. I contacted Amex again and was told that they had not received the funds and that the matter would be under review until XX/XX/ XXXX I had a conference call with XXXX and XXXX XXXX ( the holder of the card ) and they still deny receiving my payment ; but refused to allow XXXX to return the funds to my account. I am being charged interest on a payment that Ive made several months ago. They told me that the funds were not received, but told XXXX that I authorized the payment. They can not have it both ways. I want them to deduct the payment from my account and remove any interest since the date that XXXX dispersed the payment. Thank you for any assistance that you may provide. Very Respectfully, XXXX XXXX XXXX.
Product: Debt collection

This complaint is with Security Credit Services. I have no debt with this company or it's original debtor. I have received no correspondence from this company ... This is not my debt and they have reported this to my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card reported a 30 day missed payment for the month of XX/XX/2019. The payment was actually paid a day late but it was never 30 days late. I sent all bank statements to both creditor and credit agencies to verify the payment was never missed for 30 days. I was told from the creditor it was system error and would be corrected, Months later this still has not been corrected.
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 15 USC 1681. 

Account XXXX : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RFGI contacted me in attempts to collect a debt. I have never done business with this company nor do I know anything about how they received my information. I have no contract or written agreement with THIS company to pay or furnish any agreed upon amount.
Product: Checking or savings account

On XXXX XXXX. I received a notification that {$300.00} was taking out of my cash app account and as soon as I was making a complaint to dispute it with cash app another transaction came, and said that {$500.00} was taken out of my account. I made a complaint and asked to be refund because it wasnt authorized and cash app told me to just sent a refund request back to the the person and see if they give me my money back and that it wasn't anything else they could do about it. I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance Fair Credit Reporting Act XXXX XXXX XXXX  account reference number XXXX has violated my rights. 
15 U.S.C 1681section 602. A. states I have the right to privacy.

15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Product: Mortgage

Mortgage with HSBC for 10 years discharged from BK in XXXX. HSBC sold mortgage to XXXX XX/XX/2015 but stopped recording my mortgage payments in XXXX 2015. XXXX says XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015 payments not made even though I have provided proof from bank. HSBC needs to acknowledge where and who received the mortgage money and rectify this with XXXX. Also negative remarks on my credit have been reported and threats of foreclosure even though I have made every month payment! I have sent a letter to HSBC with no response and have tried to discuss this with XXXX with no results still insisting I owe these months.