23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a strange email at XXXXXXXX XXXX from Citizen 's Bank telling me that my application was denied. I never submitted an application for Citizen 's Bank and have no reason or interest in having an account wirh Citizen 's Bank since my bank is with another entity. I was unable to call Citizen 's Bank about the fraud because it was after hours and a holiday so I filed a complaint online with Consumer Finance Protection Bureau. 

I am concerned that someone has my personal information and is attempting to do me harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXXXXXX birthday XX/XX/XXXX This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX started XX/XX/XXXX XXXX XXXX XXXXXXXX and Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer XXXX credit report .I 've included a list of the hard inquiries as well as copies of the consumer XXXX credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX/XXXX  Last reported XX/XX/2020 {$1100.00} Reported balance Credit limit {$800.00} You're using 141 % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment -- I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely,
Product: Bank account or service

Bank of America, closed my checking accounts stating that they all had negative balances. 
When I called to let them know that what they thought was not true, and there was enough money to cover all the overdrawn fees, they realized they messed up, BIG TIME. 
Even though, I had been their customer for the last 14 years, they went ahead and closed the accounts. Never really provided any assistance. It is true, I have been an in bad financial situation for a whole year. However, I am back on my feet now ; doing great. I have realized, they never cared about it. They just do this type of practice. When I called regarding this issue, the guy on the other side had some kind of an all powerful tone/attitude. Once I proved to them the stupidity they had done, this person seemed to be talking to me from under his desk. He could not find an excuse for what this institution had done. I apologized to him because I was getting off on him ; it was not his fault that this happened ( Still, I did not like his " I am always right attitude '' ). I demanded to have what was left of my money available now, so that I could go get it at the local branch. They said it was not possible until all transactions clear, that I had to wait until next week. I asked for a manager. The manager was very polite and sounded very humble. I have agreed to wait until next week to get the balance of my money. 
Therefore, the type of customer service was poor. They had no answer, when they realized that there was enough money in the account to cover for all negative balances. 
They went ahead and canceled regardless of what was in the account. When they realized what they did, they had no answer. Even after paying off these negative balance accounts, I will have to wait to see the rest of my money until next week. Holding me back on other payments I have to make.
Product: Credit card

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear sir, Regarding the letter prepared on XX/XX/year>, I have already closed the account of your company, Synchrony Bank. I have already notified the credit bureaus and sent the complaints and disputes to CFPB and the NJ office of the attorney general. Since I already closed the account of your company, Synchrony Bank, and do not have any idea and intention to re-open the account with your bank credit card, I do not think I need to initiate an investigation and flag my information in your company system. I do not know what kind of system you have ; I believe due to the nature of your company, my card was closed ; therefore, I do not want to open any account with your company. I consider that your company does not have the right to obtain my personal information since the closure of my credit card with your company was suspicious. I consider you do not have the right to ask me to provide the personal information to flag in your company system. If you dare to flag my information in your company system, you need to clarify and notify the lists of your connected companies in your system to let the customers consider the security of personal information and give them the opportunities whether it is secure to provide the information in your system or network. You do not have the right to provide the customers information in your company network or system without the consent of customers. Therefore, I decline your idea of flag. 
Since I already have the identity theft report, I enclose the copy of it. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 fraudulent inquiries on my Equifax report, they do not belong to me. I have sent in police reports and also contacted the companys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Customer 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 for these violations.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THIS FROM MY CREDIT REPORT THANK YOU! 

XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the Louisiana DMV Data Breach as I was affected as a Louisiana resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XXXX  XX/XX/2023 XXXX  Account XXXX *fraud account reporting inaccurate XXXX Account XXXX
Product: Credit card or prepaid card

I have paid this account on time and have never missed a payment. I always mark that the payment is due by the XXXX of each month on my calendar. Today, XX/XX/21, I remember that the payment was due and attempted to pay it online like I always do... but saw that the company has already put a {$25.00} late fee on my account when. It was XXXX XXXX  and the company would not credit my payment ( {$25.00} due ) to today. It forcefully applies the money to the next day and charges me the fee. Then, I read the info online where it said that the payment is due by XXXX XXXX. I never knew and did not agree to that specific term when I signed up for the credit card. 

I called Capital One and both the first level worker and then the supervisor refused to credit my account for the fee. My complaint is that the payment was made TODAY which is still the XXXX. Every other account I have considered after XXXX XXXX  the deadline for each day. Capital One is very cold and unhelpful. Every time I speak with them, they act like the don't value my business and are inflexible with their policies.
Product: Mortgage

Since XX/XX/XXXX I have been asking for the legal documents that established the terms and conditions of my mortgages where I appear as co-participant. I did receive one of them but the other was never sent it to me. Instead they send me an statement letter without any customer friendly information. I have called again in XX/XX/XXXX and requested the documents again. They stated at that time that the request was wrong because I used the term buying instead of refinancing documents. At that point they reported that they will send the documents on XX/XX/XXXX. Today, XX/XX/XXXX I called them again since I have not received the documents requested. This time they stated that they do not have the documents and that I will have to call the notary who notarized the documents in XX/XX/XXXXin order to request it from his office. It should be noted that this mortgage went to a modification process that I did not participated. However, I continued to be responsible for the payments but they have failed to provide the statement that I have signed and that makes me responsible in the credit report. If it is possible, I would like to speak to an Spanish speaking agent. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX  and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.
Product: Debt collection

This was a XXXX amount owed for a XXXX. I paid the balance in full to XXXX XXXX XXXX. They are stating that I was passed due and they refused to take this off my account. They were also sending bills to my wrong address. They had my corrected address but insisted that I still lived at XXXX XXXX.
Product: Checking or savings account

1st Wells Fargo let my ex transfer XXXX $ from my account making it negative I caught it while it was pending but they did nothing and let her empty my account then they told me to close that account after she stole more money and open a new one so I did Last week I deposited a check the money has been received from the writers bank but Wells Fargo was requested to make those funds available which they havent dont to this point and plan on holding my funds till the XXXX this has caused me to not pay my rent on time causing me more financial hardship after letting my entire account be drained a month of so previous These banks are so quick to take your money for fees and stuff I expect timely access to my earned income they are withholding and I really still want them held accountable for the XXXX stolen from me they did nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FCRA violations : not my names XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a XXXX credit card issued by Synchrony Bank, which resulted in two hard credit inquiries within a span of 11 days. The first inquiry was on XX/XX/year>, and the second was on XX/XX/year>. Both inquiries were for the same card application, yet each inquiry appears separately on my credit report as a hard pull, which has affected my credit score.

I am unclear on why two separate hard pulls were conducted for a single application, as this does not seem consistent with standard credit application processes. This duplication has caused an unnecessary impact on my credit score.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXC - 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 Unauthorized inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Chime has stolen my funds and will not give them back I can not wait 30 days I have a XXXX XXXX XXXX  child who will be out of diapers in less than XXXX hours and a daughter whose birthday is XXXX I have filed a police report and provided all needed self verifying information to chime to support my claim yet I was told I would not be held responsible for any activity on account but I have no money or help this is beyond a nightmare
Product: Debt collection

I have a fraudulent account opened through XXXX. I have filled out the Fraud Paperwork several times and had the debt removed finally that was being pursued by " XXXX XXXX ''. The debt was removed and I check my Report this morning and now " Source Recievable Collections '' is placing this account on my report and attempting to collect. This is affecting my attempt to clean my credit and purchase a home!!! The XXXX Fraud department is denying the receiving of my fraud packet and continue to bounce this fraudulent debt from debt collector to debt collector. The account is not mine and the addresses associated with the account set up by XXXX are n't even remotely a address I have lived at.
Product: Debt collection

i have disputed this account numinous time due to the fact that this account does not belong to me! I never open a account with you guy or any one in this company its been month since this been reporting on my credit report and at this time Im ready to take the final action if this account is not removed by the end of this month
Product: Credit reporting or other personal consumer reports

Your agency is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). The account XXXX XXXX XXXX XXXX was deleted, and you reinserted it without notifying me 5 business days after and certifying that the item was validated properly. I demand you to delete this item from my credit file or I will seek litigation. Please reference CFPB complaint XXXX for the initial reason for the dispute of account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Debt collection

I disputed an auto loan account ( Carmax ) in XXXX because it randomly appeared on my credit. XXXX stated that Carmax responded that they certify the account belongs to me. 
I asked XXXX to send me any documents that Carmax sent but I havent received anything. I called Carmax customer relations department on XX/XX/XXXX to get the information that XXXX cant seem to provide. I explained to the representative at Carmax customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to Carmax credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my XXXX Credit Report that wasnt mine. I provided my name and last 4 of my social and even the fist few digits of the account number that appeared on my credit report. On Carmax recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last 4 digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that XXXX results stated that Carmax said they certified it was correct. The Carmax representative in the credit department denied claims that they told XXXX that it was my account because she said based of the information it Carmax would have deleted the account. So now there is a bigger issue. Either XXXX is not actually disputing the account or Carmax doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the Carmax rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXXr FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED A UNAUTHORIZED ACCOUNT THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THIS ACCOUT AND REQUESTED THIER REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE XXXX  AND IS NEGATIVELY AFFECTING MY FINANCIAL STANDING.
Product: Debt collection

I received a letter from Allied International Credit Corp ( US ) dated XX/XX/XXXX that stated my account had been referred to their office for collection by XXXX, the creditor. The total balance due states {$280.00}. 

I have not purchased anything on XXXX since I believe XXXX? And the total amount was probably only about {$30.00}. This charge is invalid. My XXXX account shows I have no orders or owe any money. 

I will be notifying Allied International Credit Corp that I dispute the validity of the debt.