23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on many different occasions to remove my Citi Bank Secured Card from my credit report/Profile. I have called the Citi Bank directly, as well as dispute with the three credit bureau and each time it is verified, or each time I call either companies they tell me to contact the other party to get it removed, leaving me in circles going back and forth. 

The account was paid in settlement in XXXX. When I call to confirm the balance, it is XXXX or not found but it is still showing on my profile. Citibank sent me a paid in full letter, with a XXXX balance, dated XX/XX/XXXX but will not remove the account from my credit report. I sent this to the bureaus but it continues to report on my credit file as valid which is affecting my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just released from prison and I am trying to get an apartment. I don't know where these fraudulent accounts and hard inquiries came from. Someone must have stolen my identity and opened these up. Please help me delete all of these immediately.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was manipulated to open a credit card at Macy 's. It was my fault for not researching on how bad this company is. I opened the account on XX/XX/XXXX. They closed the statement on XX/XX/XXXX. Just six days from account openeing!! And expected me to pay off the amount by XX/XX/XXXX. Usually a card would give me one and half to two months to pay off from the date of opening the account. However, they slapped a XXXX XXXX late fees on me. I paid it off as I don't want it to affect my score. However, it is unethical to have such a short period of repayment from the account open date.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have ask XXXX, Equifax, and XXXX to remove from my report because they do not belong to me. Ever since all 3 bureaus has had a data breach to where my information that they are supposed to keep safe and not let anyone pull my credit or place anything on my credit has been hack and now everyone has my information. These accounts and inquiries need to be validated if not validate correctly it needs to be removed as soon as possible from my credit. I need the original purchase agreement for debt, Insurance claim of the debt, the XXXX with the original creditor, and the statute of limitations and last payment missed on the debt if this was my debt. These are the Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to make timely end of effective measures to prevent an 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 for these violations.
Product: Debt collection

I noticed that XXXX and XXXX, a collection put several collections that I do n't owe on my credit. I disputed them and asked for validation on them. XXXX and XXXX just said I owe it and I need to pay them. 

I do n't owe any medical bills. 

XXXX and XXXX does not have a license or bond to collect in the State of Texas where I live
Product: Mortgage

I have been trying to get a loan modification thru Chase bank since 2011 i have done multiple applications upon their request, and at which time they have had me send material after material and after a long procwss i end up having to do a new application just to start over time and time again ..On at least XXXX occassions i have had my home put into a forclosure situation and followed with a sherriff sale, but have fortunatly gotten these to be retreived.. My complaint is that in the beginning i was informed by the Chase Bank Reps to stop making payments on my home loan and it would help the Modification program to move along faster.. which was untrue alls it did was put me so far behind that i could not catch up, now this is one of the reason they say they cant modify ..I believe this was totally done intentionally, i have sent names and ext numbers of all the earlier representatives to the Executive office only to get a answer on the present not any answers on any of the representatives that had me or informed me to stop paying on my loan.
Product: Prepaid card

I purchased a car-wash card from XXXX XXXX XXXX XXXX in XXXX last XXXX 2015, which I used until the fall when the business was sold to another company, which I was not told. When I drove into the car wash, I learned that I could no longer use the remainder of my prepaid washes. My car was inside the car wash so I had to pay again & was told that they will not let me use the rest of my paid washes. I want a full refund. I was a customer for 15 years.
Product: Mortgage

Realtime Solutions is reporting the following late payments on my credit report. 

120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. 

This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection was placed on my credit file in the amount of {$6200.00} on XX/XX/XXXX. I have made several attempts asking for validation of this debt since XX/XX/XXXX. Giving them the required 30 days for a response time according to fair credit reporting act FCRA. And have not received a single shred of evidence of this debt belonging to me.
Product: Debt collection

RECEIVABLES PERFORMANC has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/XXXX, I contacted Affirm to dispute a transaction I made on XXXX XX/XX/XXXX. I purchased an item on XXXX for {$2400.00} and used Affirm to finance the purchase with three payments and zero interest. The purchase was defective and I contacted Affirm within their stated 60-day dispute policy. I received confirmation of their receipt of the dispute on XXXX XX/XX/XXXX. In that confirmation, they said it would take up to 90 days to resolve the dispute. Ninety days has now been exceeded and there has been no contact from Affirm and no resolution provided. 

I provided Affirm with digital and hard copies of all documentation in the original letter. I also informed them that the XXXX seller closed their account, possibly in order to avoid having to take the item back. To date, I have paid two payments of {$830.00} for a total of {$1600.00} and there is one remaining payment of {$760.00} that is on hold. Their website is not allowing me to make additional payments on this line and they have declined to provide additional lines of credit with the reason stated that I am late with a payment ( in fact, the final payment of this line is showing as overdue as of XXXX XX/XX/XXXX even though it was in dispute for over 30 days prior to the payment becoming due ).
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

. I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Credit reporting or other personal consumer reports

Checking my credit something popped up XX/XX/XXXX for XXXX  XXXX I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called XXXX XXXX  they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is XXXX  XXXX
Product: Mortgage

Fort the past 10 years or more, with New Rez and before them Green Tree we have been under shortages. when I complained they said the payments would go up again in XXXX from XXXX to XXXX, Then it was said to lower this pay them XXXX. Then I get a letter the following week saying they never got our payment and I have never been late. when I called up there it said it was there I mailed it before the first..They added late charges as well of {$20.00} my problem is Escrow and shortages that come every spring like clockwork plus charge me the amount of XXXX when the money is there, I called them even though they said we could pay $ XXXX. XXXX I don't trust something is wrong. we will see what happens when we pay overnight. XXXX XXXX XXXX. Need someone to check their balance and why shortages every spring
Product: Vehicle loan or lease

I bought my XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX va on XX/XX/XXXX. They pressured me into paying XXXX In extras like gaap and supamental Insurance. They said I could refinance when rates went down. I've been calling. No one will return my call. It had made it where I can't get a mortage, business loan anything. I've been trying to refinance.
Product: Debt collection

Dispute Letter to Collection Agency [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ] Dear [ SPRING OAKS CAPITAL LLC ] , I am writing to dispute the accuracy of an account listed on my credit report by your agency. The account number is [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You have failed to provide me with validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
You have not allowed me to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
You have furnished information to consumer reporting agencies without required disclosures as required by 12 CFR 1006.34 ( d ) and 15 USC 1681s ( 2 ) ( A ). 
Your actions constitute false, misleading, or deceptive practices, potentially violating 15 USC 1681a ( 6 ) and its subparagraphs. 
The purchase agreement between Them and the Original creditor requestin proof that they are licensed and Bonded also pursuant to Rule 1002 original application I do not want no copies none Spring Oaks Capital Im disputing owing any and all debts, Im revoking all rights of communicating with me through email/text/calls and Requesting validation of debt. Pursuant Rule 1002 I request that you investigate this matter and remove the account from my credit report. I have attached copies of the relevant laws and regulations for your reference. Also Im aware that in accordance with Article 9 the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.C. 1692e ( 12 ) I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting

We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Experian. So the debt was paid in full. But Experian still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.
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 practice, 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 regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting INCORRECT INFORMATION. XXXX XXXX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on experian
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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have attempted to get a mortgage refinance due to unemployment and medical issues that have caused financial hardship. However the refinancing application was denied by Carrington Mortgage Services. This happended approx 2months ago. I then contacted the company and spoke with XXXX in loss mitigation about a forbearance plan because my stated intention is to save the home. XXXX stated that she would email the final figures on legal fees, late charges and court costs so that I could begin the forebearance payment plan for XXXX XXXX 2016 However, it is the middle of XXXX and no emails have been received. I have called Carrington weekly ( most recently XXXX XXXX, 2016 ) seeking the final numbers needed to begin the repayment plan.. However, one full month has passed and Carrington Mortgage Services has not submitted any calculations and the fees and charges continue to pile up. I would like to know what the delay is in getting me the information? 
XXXX Carrington Mortgage .the refinan
Product: Credit card or prepaid card

I submitted a fraud claim in XX/XX/XXXX with chase bank they gave me my temp credit, then reversed it!!!! overdrawn XXXX. I 've had the account since XX/XX/XXXX, in that time I was overcharged XXXX I PERSONALLY RECOVERED XXXX this leaving the difference of XXXX plus the charges in XX/XX/XXXX of XXXX. I have provided police reports and defendants that have been convicted of criminal trespass and several other felonies. THESE INDIVIDUALS STOLE MY PHONE, MY DEBIT CARDS, SEVERAL OTHERS IMPORTANT ITEMS!!! in the meantime the State of Colorado IN ERROR sent my minor daughters child support payments to this account and Chase Bank is refusing to return them!!! On XX/XX/XXXX I received a request for the police reports which I provided!!!!! Then on XX/XX/XXXX I contacted Chase Bank and they have refused to put in writing the reason or reasons they wont release the child support payments nor will they answer my questions as to why after I provided the police reports they still say IM A LIAR!!!!! This is absolutely ridiculous
Product: Debt collection

Third party collections bought my debt, which is 8 years old - 7 years ago. They have called my home, my work & various cell phone numbers no less than 4 time a day for in excess of 7 years. They pester me endlessly. Not only does this does this debt belong to my ex husband, not me, it has exceeded the amount of time to take action on and third party collections are non enforceable.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, after noticing unauthorized inquiries on my credit report, I took the necessary steps to address the issue. I submitted a report to the Federal Trade Commission ( FTC ) for these unauthorized inquiries. Following the submission of my FTC report, Equifax appropriately deleted several of these inquiries from my credit file, leaving only a few that were legitimate or had not yet been disputed. 

The remaining inquiries on my report as of XX/XX/XXXX included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were the only inquiries left after I submitted my FTC report and expected that my credit report was now accurate and up-to-date. 

However, when I reviewed my most recent credit report dated XX/XX/XXXX, I was shocked to discover that all the inquiries that were previously deleted had reappeared on my credit report. In addition, there were several new inquiries listed that I had never authorized. This not only completely negated the previous corrections but also added even more inaccurate information to my credit file. 

Here is a detailed list of the inquiries that have unlawfully reappeared or been newly added to my report : XXXX XXXX XXXX XXXXXX/XX/XXXX ( appearing twice with different addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The reappearance of these inquiries has severely impacted my credit score, causing me undue stress and anxiety. The mental and physical toll of dealing with these issues has been overwhelming, especially given that these inquiries had been previously resolved.
Product: Credit card or prepaid card

For the last few years, I have been dealing with an issue with capital One as far as credit card issues. If you years ago around XXXX or XXXX, my ex-girlfriend, XXXX, opened for credit cards in my name without my knowledge or agreement. She did this over the internet I believe, because I never signed for anything. after spending and overspending, I tried letting capital One a few times know that I didn't open these accounts and I am simply making payments on them until we can get things satisfied it situated. In that time, my ex kept using my card information. I ordered more cards so then I would have new cards so she couldn't use them anymore. My ex is going through a hard time and was struggling with many issues especially addiction. I haven't found her and can't tell you where she really is, but she has done this with me on multiple accounts. afterwards, while trying to make payments on these cards, I fell behind because I lost my job, and was injured, and there were a host of things. I submit multiple documents to capital One showing three or four different report I filed that my identity was stolen and that I did not in any way shape or form request to open those credit cards, and that I shouldn't be held liable for credit cards I did not request or digitally sign for. And that I did give them the information showing a file those complaints years ago. however, every time I contact at capital One, either I was transferred around over and over and over and over, or they will get upset with me and mistreat me and speak to me in a horrible and awful town. I am tired of going through this. And either I would like to try and settle these accounts so I can get them paid off and we can move forward so they stopped affecting my credit in a negative way in which they are, or I would like for them to be disassociated from my social security number and not associated with me at all, and remove him from my credit reports at once. Not many people at capital One have been helpful and usually they just end up attacking me after I've come to them multiple times seeking help for issues on something I had nothing to do with and didn't really know about. Either way, I wish somebody would help me out, I really need some help