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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this debt with XXXX XXXX XXXX as I never received any notification about the debt they say I owe. I have asked for communication that was sent to me and I still have not received any information. They sent my job a request to garnish my wages which started XX/XX/2022 in which the amount they said I owe has been collected and more. My employer has reached out to them numerous times and gets the run around just like I have. They give an email address and then when you email and call to follow up they say oh it was recieved but not read so they give another email address and they say try this one my employer calls back and they say oh fax this number and the whole time my employer advises they cant stop garnishing my heck until they receive a release. This has been going on for over 2 months and I have XXXX kids with the youngest being XXXX XXXX XXXX he is the one being impacted as I cant afford to take care of him with XXXX dollars a month that doesnt even take care of daycare or food clothes a roof over his head nothing. My next step is reaching out to the Attorney General.
Product: Debt collection

I work for a company, this company has a dispute with the merchant and merchant did't get paid. 

All the invoices and Bills of Service has the company name but the merchant report my personal information to the credit reporting companies
Product: Debt collection

Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress These violations
Product: Debt collection

On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX  alert for a debt of {$250.00} from XXXX XXXX XXXX XXXX. The account number was not specified on XXXX XXXX but the original debtor is XXXX  Sterling Jewelers Inc. I am pretty sure the account is from Kay Jewelers. Kay Jewelers is reported to XXXX by XXXX XXXX XXXX later purchased by XXXX XXXX. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it. 
I received a letter dated XX/XX/XXXX with further details on this account # XXXX from Kay Jeweler Outlet initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself. 
I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.
Product: Debt collection

I got a synchrony XXXX XXXX account. I never signed to for a promotional interest rate. To defer interest. They said {$850.00} was due by XX/XX/2018. I did not apply for this deferred balance. I am getting 20 or more calls a day. They are harassing me. Now my card looks like Its over the limit. Im buying a house and this card is destroying my credit. I have never been late and I should not have to close out my account to get a reduced payment. I have a XXXX XXXX XXXX account and the minimum payment is over {$100.00} for a XXXX balance.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( charge off ) with Citibank and do not have a contract with convergent. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion and XXXX shows that I have a missed payment from my XXXX XXXX Credit Card ending in XXXX which is inaccurate. I never missed a payment. XXXX XXXX agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for 6 months.
Product: Debt collection

I am a current victim of identity theft that was discovered in XXXX of this year XXXX. 
This particular debt this complaint is about was already trying to be collected months ago from a different debt collection agency for which I provided all the necessary documentation to prove the identify theft that I am a victim of. 
Now a new debt collection agency is trying to collect on this same debt that was dismissed. 
This one is from Glass Mountain Capital LLC, the original debt collection agency they are trying to collect for is XXXX XXXX, whom again as I stated, had already tried to collect on this fraudulent debt and been made aware of my identity theft crime. 
I provided them all the necessary documentation as well and asked for a cease and desist which they did not honor and made a note of that and that unfair practice. 
I am enclosing my documentation for review. 
The amount of this debt collection attempt is {$910.00}. 
Again, this is not my debt I am not responsible for credit cards and accounts opened in my name and used without my knowledge and consent and obtained illegally. 

XXXX XXXX XXXX
Product: Mortgage

Wells Fargo refused to permit me to apply for a loan modification in XX/XX/2016 and refused to give me any plausible explanation of why not, except to say I was not eligible. My other lender provided a loan modification without any issues or problems. 

Wells Fargo strong armed me to pay over {$7000.00} after my bankruptcy and never provided a plausible explanation. Wells Fargo then filed a Notice of Default forcing me to pay their demand in order to avoid foreclosure. Wells Fargo never rescinded the Notice of Default in the court record as required.
Product: Checking or savings account

Weeks ago I opened an account with XXXX and I allowed my boyfriend to have access to my account simply because he wanted to transfer money to help my family. No sooner than a day after the funds are transferred XXXX decided to block me from having any access at all. I called and after waiting an hour and several minutes I finally got through to someone and I proceeded to verify my identity and even explain why I have access to my boyfriend but the lady hung up on me after telling me that I will receive an email to regain access to my account. So after waiting those several weeks today I decided to call and ask questions but no..XXXX  hangs up on anyone who wants to ask those hard questions about their own funds XXXX continues to hold. XXXX seems to think Im doing something evil because its been weeks without hearing from anyone. They dont care for people who are trying to feed their family and its starting to get very serious with these people. Ive taken screenshots and written things down in case they wanted to lie. Theres several reviews of people telling others to skip over XXXX because they are illegally holding peoples money and not cooperating with costumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX card- XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX credit coll XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX
Product: Debt collection

A debt that is attempted to be in the amount of {$21000.00}. Oh, this account was opened in XX/XX/2023. I have no agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company knowing, willing and intentionally reporting false credit information to all 3 credit agency 's in there effort to deny my right to cancel private mortgage insurance. 

On XX/XX/2020 I requested the cancellation of PMI insurance and was denied. On XX/XX/2020, I made a second request and was again denied. On XX/XX/2020 I made a XXXX request and in XX/XX/2020 the company falsely reported that I was more than 30 days delinquent in making my XX/XX/2020 payment. On XX/XX/2020 my 3rd request was again denied for being more than 30 day late in making my XXXX payment. 

On XXXX XXXX I was denied a personal loan from a financial institution that I had a perfect credit relationship with for more than 5 years due to the false XXXX reporting by the company.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts disputed were : 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

Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car. 

This issue has been corrected on XXXX  and XXXX  with no issues and equifax has failed to correct it or even attempt to correct it as they stated they would. I only have and only ever had one account with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/2024 XXXX - XX/XX/2024 The following inquiries were not authorized and should not be reporting.
Product: Checking or savings account

To whom it may concern, I barely gotten my income tax, and out of nowhere, it was taken from me. Kept trying to take out money from an ATM that I am no where near. 
I am currently living in XXXXXXXX XXXX 
And the place or town is from XXXX Alot of people are complaining. 
What am I suppose to do with nothing. I have kids to feed and bills to pay.
Product: Credit card or prepaid card

CAPITAL ONE IS USING A 2 OLD MONTH CREDIT REPORT AND DENY ME A CREDIT INCREASE ( THEY DONT CHECK ON THE NEW ONE )
Product: Debt collection

I was in custody of the XXXX XXXX XXXX Jail during the debt in collection.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a police report case # XXXX. I was told by your office that it is required to remove the fraudulent inquiries that appear on my account. Please remove them in the next 5 days and send an updated copy of my report to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX XXXXXXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 

I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I paid my reverse mortgage in full on XXXX. The lien was released by the mortgage servicer quickly on XXXX and my copy of the letter indicating lien release was dated XXXX. As of XXXX the mortgage servicer ( PHH ) is holding {$260000.00} of my escrowed insurance claim funds ( from a fire loss ) and has informed me that they have up to 180 days to reimburse me. In the meantime, I am unable to purchase a new home using those funds, and I am essentially homeless. The CFPB website implies that such payment should have occurred within 20 days. Since the mortgage was paid in full and acknowledged, PHH should have no legal claim allowing it to withhold these funds.
Product: Credit card or prepaid card

Summary : My credit card and account was frozen 5 times without valid reason. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transactions. Most were face to face transactions of under {$50.00}. The triggering transaction was a face to face {$20.00} purchase at an orchid farm in my home state. Another mentioned suspect transaction was a {$12.00} face to face purchase at a local bakery. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi, validated the suspect transactions, the same ones from the XX/XX/XXXX call. I escalated this recurring unwarranted freezing to a supervisor who stated the prior agents did not properly close out the suspected transactions. He stated all is good and it wouldn't happen again. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi. Agent stated account frozen due to malware warning on online account and unable to provide further details on the time and place of intrusion. I escalated this to a supervisor who clarified there was no malware, but the reason the account was frozen was a procedural need to change my username and password, which should have been communicated by the prior Citi agents and supervisor, which were not. 

This continual unnecessary overzealous freezing of my credit card and online account, exacerbated by a series of comedic agent and supervisor procedural errors, needs to be brought to light. 

Citi has all to benefit from overzealous freezing of accounts, at the inconvenience and cost to its customers, for me it was over 2 hours of phone calls ( attached is a call log to Citi 's customer service from my mobile, which doesn't include calls to Citi 's fraud, eservices and other calls ) and an additional 2 hours unlocking and recreating my online account several times. Standards should be set on the suspected transactions and amount of freezes.
Product: Debt collection

The representative named XXXX, was very hostile and refused to send me any information proving that the debt is mine, I tried to explain that I am a victim of ID theft and as soon as I said that she become hurtful, rude and loud .this is the 3rd time shes called and I teied yet again to tell her and she screamed at me, so yes I screamed back..
Product: Debt collection

XXXX XXXX is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. 
XXXX XXXX. {$60000.00} XXXX XXXX. {$5000.00} XXXX XXXX. {$100.00}