23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Approximately XXXX month ago a hacker changed my phone number, login information and address on the account. A fake payment was made and subsequent purchase made. I reported to the bank about the fake payment and charge, however I discovered that all my profile information had been changed. I called and spoke to customer service and was told I could not change the information back without sending a copy of my drivers license to them. I sent the required information XXXX weeks ago, I was told to call back, I have called XXXX  times and I am told they are verifying the information. A hacker has no problem changing my information, but me the account holder can't change it back or get the card unrestricted without sending Drivers license. Even with that, the bank continues to tell me it is being investigated. I spoke to XXXX today and he consulted with his supervisor which declined to provide his name, I was told again for the XXXX time that the information is being researched. This bank had no safe procedures to keep a hacker from changing my personal information, but for the account holder they refuse to acknowledge me and change my information back and unrestrict the card in a reasonable period of time. The customer service and/or supervisors are rude and unwilling to make the required effort to change the information back and unrestrict the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this account under Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. Please update.
Product: Debt collection

Initially I had a credit card account with XXXX  XXXX who was purchased by XXXX XXXX. I lost my job and was unable to make any payments. I attempted to negotiate/ask for respite from the company and was denied any consideration. I did, however, write them agreeing I owed {$6300.00} ( the credit limit ). In XXXX, when I finally was able to secure a job, I wrote again and began paying {$50.00} per month. The debt was subsequently sold ( multiple times ) and now is with XXXX XXXX XXXX. I have been writing to them recently asking for a complete accounting of the funds submitted to them and their predecesors from XXXX to XXXX a total of 13 years. To date I have not received the requested accounting. In an XXXX article I just discovered that some debts have a statute of limitations or a " time-barred '' expiration date. The article indicated that limits vary by state and generally range from three to six years, depending on the debt. I am again writing to them and again requesting an accounting as well as informing them I have submitted this complaint with the Missouri Attorney General 's Office as well as with the Consumer Financial Protection Bureau of the United States Government.
Product: Debt collection

I am writing to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within XXXX business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Opened : XX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report maintained by TransUnion, which includesthe fraudulent accounts, collections, and inquiries mentioned above.

I do not recognize any of these accounts, collections, or inquiries aslegitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX ), which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 
Fair Resolution Requested : I request that TransUnion block all the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), within four business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.
Product: Payday loan, title loan, or personal loan

On XX/XX/19, I called Big Picture loan to advise them my funds were not going to be available and I would pay the full amount off on XX/XX/19. I asked for the total amount due I was told {$800.00}, I have already paid them {$710.00}, back on a {$1000.00} loan. At the time I applied for the loans I was told there were no penalties for early pay off. I asked the person I was speaking with today how for the total amount due and was told {$1100.00}. So basically they are try to charge me $ XXXX on a {$1000.00} loan. This company is misleading and the representative tell you lies to get you into the loan. Trying to avoid interest fee by paying it off early and they still charge you. They're fraudulent company that send you fliers in the mail constantly. Please help!
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 U.S.C 1681. XXXX XXXX XXXX XXXX account # XXXX. XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX. XX/XX/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 an 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 crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-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: Debt collection

I noticed this account on my credit report and I did not recognized the debt. The collection account numbers, amount owed and company are not consistent with any records I have, I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. I have yet to receive a written reply to the letters that were mailed.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

XXXX opened an account in my name that I didn't authorize and Wells Fargo accepted it on XX/XX/XXXX. XXXX charged my credit card which was given to them by an employee at Wells Fargo and charged me a monthly recurring fee of {$14.00}, then charged my card several times with purchases from different locations in the US through Wells Fargo and XXXX 's stores.
Product: Mortgage

Tracking # XXXX  XXXX XXXX XXXX Loan # XXXX  I suffered roof damage and received a $ XXXX roof check. I was mistakenly under the impression that I could bring the check to a XXXX XXXX XXXX   Branch with all my documentation and have the check endorsed to me. That is not the case, they have made this process incredibly difficult and after two weeks of submitting document after document they still haven't sent me the check. If the check was under a designated amount the consumer can walk in with the insurance information and get the check endorsed. But because of the amount they have done everything possible to make the process extremely difficult. I am required to submit 5 documents : -Insurance adjustors worksheet -Signed Bid from contractor -Conditional waiver of lien -XXXX  from contractor -mail the endorsed check to the Bank I completed all these steps and followed the exact instructions on their website and they continue to find a new item on everything I submit that is missing. I submitted the signed contract -- it was missing the amount of the job even though I was told to turn in the signed contractors bid -- that had that amount. I resubmitted with the amount then was told the contract is missing is the contractors address -- even though its his contract. I was then told to handwrite the contractors address on the contract or my other choice was for me to sign the contractors bid. This entire process lacks direction and is designed so that the consumer has to spend hours on getting one piece of information at a time. I would expect more pushback from the insurance company versus the mortgage company. I also included an overnight envelope to return the check to me which has disappeared. But all this assumes I will eventually get my check. They have provided a website : insuranceclaimcheck.com to receive documents and I have a record of everything I have sent. Two weeks, 4 lengthy phone calls and 12 documents later I still have no check and no roof. I have no delinquency issues I have never been late on my mortgage. This process is ridiculous and has me searching for a new mortgage company so I do not have to deal with this Bank anymore. Even after all the paperwork is approved I am told it will be 5 business days for them to cut me a new check that will then be placed in regular mail.
Product: Vehicle loan or lease

On XX/XX/2022 I tried to pay my car note to my lienholder ( AFCU ) but instead of charging my card one time, they charged my card FOUR times and in the end, completely EMPTIED my checking account which I have proof of. I called their main customer service phone number ( XXXX ) and notified them that they charged me 4 times. I was then told that they " did not see any transactions on their end at all '' and even had the audacity to ask me to run my card again to make the payment!! How ridiculous is that! I asked to speak with a supervisor who then told me the same exact thing, " we don't see anything on our end but if you see it on your end, just let it process and then it'll be refunded ''. When I asked him how many business days it will take he HUNG UP IN MY FACE and did not call back! His whole attitude and demeanor was as if I was a nuisance when in reality, I am the client who is now struggling to scrape up money to feed my child because of a mistake made on THEIR end. I am not rich by any means. I do not have {$820.00} to just " throw away ''. That was the last of my money and now I have to wait how ever many business days to get back on my feet. I know I will definitely get my money back but what has me frustrated is the principal. They took NO accountability for their mistake and did not even offer any sort of solution. I'm pretty much " on my own '' with this one. I think it is absolutely ludacris and completely unacceptable for any company, especially a company as popular as theirs, to make such a huge mistake and then act as if nothing happened. {$820.00} may seem like a small amount to some people but for me, it was my last. My son is feeling the aftermath of this situation the most since he relies on my income to feed him as well as myself. I am disgusted with the way I was treated by this company and I'm sure I'm not the first or last to endure this type of behavior from this company. All they care about is their money and not their clients or the service they provide
Product: Debt collection

This debt has been removed from my XXXX and it needs to be removed from XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App XXXX 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 and compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 US DEPARTMENT OF ED ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act US DEPARTMENT OF ED 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  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX ACCOUNT 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 THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX 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 XXXX XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I was shocked and upset this morning to find unauthorized inquiries on my credit report with no explanation. I check my report regularly, but this time, there were unexpected discrepancies. I refreshed my browser, hoping it was a glitch, but the inquiries remained. This whole situation is frustrating, and I am asking for a thorough review of the documents I've sent to ensure this never happens again.
Product: Credit card or prepaid card

I requested a balance transfer from my US Bank credit card to XXXX on XX/XX/20. It still has not been processed, and I am incurring fees/penalties & interest as a result. I called US Bank today to inquire how these are processed how long it takes. They said about 2 weeks because they sent a check via USPS instead of transferring funds electronically. I asked if  they do bal xfers via XXXX to XXXX, a Manager named XXXX confirmed US BANK does EFT xfers of thousands & thousands of $ everyday. When I expressed it was odd that my balance xfer was mysteriously declined despite US Bank having the proper channels to process electronic payments, she sarcastically replied " I don't have a way of knowing if it's odd or not '', instead of taking a professional approach.
Product: Debt collection

A few months ago I went to XXXX XXXX  because I have three XXXX XXXX  that were causing me issues. I did not have the adequate insurance, so the dentist was kind enough to offer one of the services for free, while I paid the remaining balance with a credit card. A few weeks after that, I received a bill from XXXX stating that I had a balance of about {$100.00}. I called XXXX, and told the young lady that they had sent me a bill accidentally because I did not owe anything. The young lady agreed and stated that she will ensure that the billing department fixes the issue. I received a second bill, and I called again. I was told that the issue was resolved and it was evident I had a {$0.00} balance. Today, on XX/XX/2021, I received a bill from XXXX XXXX XXXX stating that my XXXX account was sent to them and that I owe {$130.00}. The account # on the notice is XXXX. I contacted the collection agency and they told me that if I can obtain paperwork from XXXX, the debt would be removed. I have called XXXX and left voicemails. I have not been able to speak to anyone as of yet.
Product: Checking or savings account

I have requested multiple times to receive old savings bank statement from Chase Bank. As per Chase Bank website, the request was placed, and stated they will be sent. However, they were not sent, even beyond the stated time frame. The same request was requested multiple times online by secure messaging, and by phone call to their customer service. The response is essentially the same, that they will be sent. However, they were never sent. The original request was made on XX/XX/21. I believe that Chase Bank is either irresponsible, incompetent, or just lying.
Product: Debt collection

During year XXXX to XXXX I had Business account with Citi bank Citi bank opened up several accounts on my business name. when I pay the charges it goes to different account and loan amount shows the same amount remaining. 
I have all statements and account available. Citi bank sued me for {$47000.00} they got the judgement I do not have money to represent my self But I do have all fraudulent papers to prove wrong accounts open and how the bank officers made fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass 600 and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act, this creditor, XXXX XXXX, Goldmansachs and XXXX XXXX has violated my rights under 15 U.S C 16 section 602 states I have the right to privacy. 15 U.S C 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.