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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A while back, I had filed a complaint against PNC Bank with CFPB because they were repeatedly sending spam mail. 

At that time, PNC Bank had responded to the CFPB complaint and permanently opted out my name and mailing address from the mailing list they use for sending spam mail. 

Now, after a long time, I have started receiving new spam mail from PNC Bank. 

I have attached scanned copies of the front and back of the new spam mail.
Product: Debt collection

In XX/XX/XXXXthrough the present I have received countless calls from multiple collection agencies regarding a loan with The Cash Store in XXXX Co Utah. I have never been to Utah or had business with a Cash Store. I filed a police report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After much harassment and multiple attempts at providing letters from Consumer Affairs, Police Reports etc in XX/XX/XXXX, the loan was removed from my credit report. However, the collection companies change hands and start over a year later, over and over. i.e. XXXX XXXX, XXXX XXXX, and XXXX. XXXX is the most current and most rude with threats of Arrest, Court, Legal Summons, fowl language and dozens of calls to my work number. 
My credit has always been perfect and I am a 38 year military veteran with a security clearance. The collections have destroyed my Credit, ruined my life and caused me to lose my security clearance and job.

I want this to end and would like for these companies to be punished and compensate me for over 8 years of abuse, and to stop passing this loan from one collection company to another.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, Equifax, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Debt collection

I recieved no written, electronic, or verbal warning about an outstanding balance until i recieved the debt collection agency bill. I have not been seen by XXXX XXXX XXXX in months, and not after I had paid my balance and was told over the phone my account was clear. I have not been seen by them, warned about a balance, or even communicated with beside the collections bill. On XX/XX/year> i received a notice of balance electronically, and on XX/XX/year> i paid the balance of {$110.00} in full, confirming over the phone that my account was clear. It says that i never paid my debt but I have a receipt and proof of payment.
Product: Credit card or prepaid card

This morning, XX/XX/2023, I received an email from Marcus by Goldman Sachs, that my GM business card account has been closed. I did not ask for the account to be closed, and to my knowledge, I did not violate any terms of the card account or rewards program. So I called them to ask why my account was closed because the email they sent me gave no reason. They did not provide me with a reason. They said they would investigate the account closure and get back to me. Six hours later I read an email from them saying that the account was closed properly, again without explanation why. So I called again and asked for further information. They would not give me a reason why. I have accumulated over {$17000.00} of rewards that are good towards the purchase of a GM vehicle. Now, with the account closed by them, it looks as though all my accumulated, unused rewards are forfeited. I had no plans or intentions of redeeming those rewards within the next few months. I don't understand why my account was closed, and they would not provide me with a reason why it was closed... neither by email nor in the phone conversations I had with about six or seven different people there.
Product: Debt collection

Jefferson Capital Systems is reporting inaccurate information on my credit profiles. They have been removed from my XXXX profile due to inaccuracies of reporting. They have reported this as a joint account and an individual account. This company can not verify accurately the status of the account, nor can they provide original documentations from the ORIGINAL creditor of the loan. If they could they would know that the contract is in XXXX XXXX name ONLY and not mines. As stated XXXX has removed the information from my credit file due to inaccuracies.
Product: Mortgage

I received my first mortgage payment statement on XX/XX/XXXXXXXX  and it showed {$300.00} they were charging me for taxes a month. I paid it, but was told they over charged for taxes. I called Triad XX/XX/XXXXXXXX  and spoke with a Supervisor, XXXX, and said that is what my county Treasurer sent to them that that is what the estimated tax are. I said no that I am not paying that amount in taxes because they over charged me. He said to go to my County Treasury Office and they would give me the amount to charge. I went to my County Treasury Office and they said they don't show anyone living at this address. I then called Triad back on XX/XX/XXXXXXXX  and spoke with XXXX again and he said my County Treasury Office sent them this information. I have been up to my County Treasury Office three times and they said they never sent them any information about this. I then went to the County Assessors office and they showed me that the place I'm living at has not been assessed yet and that I don't owe any taxes until XXXX. I then called Triad back and talked to XXXX XXXX who is the contact information on the loan. She said the same thing that that is what my County Treasury Office sent them. I asked for a copy of exactly what the XXXX County Treasury sent to them and I have not received it. I then called Triad again on XX/XX/XXXXXXXX  and got the same thing said to me. I called Triad on XX/XX/XXXXXXXX  and nothing is being done about this. I don't know where they pulled this figure from but Triad  is known to overcharge for taxes in this Mobile Home community.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it was cancelled in XXXX. XXXX is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. XXXX will not help and it is messing our process of purchasing our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX/Equifax and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/Equifax and XXXX Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. I was currently XXXX XXXX, XXXX XXXX XXXX to XXXX, during this time I was told to open an account with Citi bank, under government travel, this account would be my government travel card, that the department of the XXXX is responsible for paying. This was a card used to book travel through the military, pay for meals, all while on government orders. The government was in charge of paying off this card. I contacted citi bank to try and resolve this issue, they stated that they issued me a 1099, and I do not owe anything on the account. They then stated that they can not take this off my credit report even though it is paid for and close. I was not responsible for paying this balance, the XXXX is responsible, now it is on my credit report as a charge off even though the account with citi bank is closed. Can someone please help me remove this account from my credit report as a charge off. Thank you.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filig this complaint. The stuff on my credit report is wrong.
Product: Money transfer, virtual currency, or money service

I have had no access to my funds, despite my funds being in my account, managed and held at XXXX XXXX XXXX financial bullying and my mercy. My funds were sent to my card XX/XX/XXXX. Today is XX/XX/XXXX. After attempting a call XX/XX/XXXX to the XXXX customer service number on the back of my card, due to my inability to ( for the second time in a week ) access my account online, using the website, I received the same message We have an important message regarding your account. Since I had to go through this not even a week earlier, I knew it was something they were flagging on my account as fraud. ( Previously there was no evidence of fraud and I cleared the account after waiting 45 minutes  to get through to someone ) XX/XX/XXXX I held for over an hour before finally giving up and settled with not having access to the funds and inability to use the funds, for the intended purpose my children and childcare expenses. Today XX/XX/XXXX, I called again at XXXX:XXXX  Central time and there was a message on the line that said we are currently performing a system upgrade and the expected completion time is between XXXX XXXX XXXX XXXX central time ; I held for a representative and was hung up on 5 times in a row, in an attempt to call. All the way up to XXXX! FIVE! I still have no access to my account. No access to online history or any other way to resolve this issue! How is this legal? What option do I have?
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : RETAIL MERCHT ASSOC XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number:XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proo
f that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I applied for this CC for my partner business purposes but I am having an issue w chase declining transaction because is unusual. She traveling as a XXXX consultant to all over the US uses the same rental company and most times the same hotel. We were having these transactions declined which then she would call and I get on a call with their customer center. I have explained time and time again that this a travel g credit card which charges an annual fee, declines stopped for 3 months but now we are back to same. Every time they do I literally spend XXXX minimum minus to try getting thru someone and explain this all over. This has been scaled this last time to XXXX an accountant Supervisor that basically told there is nothing chase can do. Every time I get the annual fees, or transaction fees or interest I dont get a text asking me to decline or complain so I have asked for them to credit one of their annual fee since I have spent considerably time explaining this over and over. After every declined I then have to reach back to the vendor and explained and have them rerun transactions which I invest more time. My partner was once a stuck in a small city in the middle of nowhere waiting for rental car to allow her to take rental cause Chase had declined transaction.
Product: Debt collection

I asked them to send me debt validation so I can see what accounts they have of mine I included this law 15usc1692 I let them know that I even went in to identity theft and I sent them papers to show that it was not me and nothing happened yet
Product: Credit card or prepaid card

I have signed up for Wyndham Credit Card through Barclays Bank, they advertised a promotion of 15,000 points after the first purchase. I made a purchase within first month and they have not come through their promise. I contacted the bank several times because the bonus points did not show up, without success.

Af first they said I had to wait up to 12 weeks, when the 12 weeks passed they changed the story saying I needed to spend XXXX dollars minimum which was not in their marketing material. 

The account was open XX/XX/2019, for a Wyndham Visa Rewards card, no annual fee version. as stated in their terms : " Cardholders will earn 15,000 Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I have made a purchase within the first month meeting the requirements as stated by their terms. The time for bonus points to post to the account are 8-12 weeks which passed without fulfilling the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX Date of inquiry XX/XX/2021 ; XXXX  Date of inquiry XX/XX/2021 ; XXXX Date of Inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

I applied for a refinance of my mortgage on or around XX/XX/XXXX via my existing lender, NewRez Financial. I paid for an appraisal and received that appraisal on or around XX/XX/XXXX which confirmed home value. I also received conditional approval around this date as well. I have been emailing on an almost weekly basis to get updates on progress and received limited to no feedback. It is now XX/XX/2020 and I have no idea if the mortgage will be refinanced or if they are just trying to avoid completing. 

I am concerned they took my money, financial information and now don't seem to have an intention to close. This is now costing me money as I could have refinanced with another lender and saved over $ XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with Fair credit reporting act account # XXXX - 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.
Product: Student loan

MOHELA incorrectly capitalized the accrued interest from my student loans into the principle balance of the loans. There was no event to trigger capitalization. Per federal regulations ( CFR 685.202 ( b ) & CFR 685.209 ( j ) ) interest capitalizes only after a deferment on an unsubsidized loan ; or if you are repaying your loans under the income-based repayment ( IBR ) plan and no longer qualify to make payments based on income or leave the XXXX XXXX  XXXX Neither of these apply to me. The interest capitalized at the end of a forbearance which is NO LONGER a capitalizing event as of XX/XX/XXXX. It appears servicers are incorrectly capitalizing interest based on now defunct and outdated regulations. 

My accrued interest as of XX/XX/XXXX was {$4900.00}. On XX/XX/XXXX MOHELA sent me a statement which showed my accrued interest had been changed to {$470.00} and my loan balance had grown from {$81000.00} to {$86000.00}. MOHELA sent me no communications stating that they had capitalized any interest. I contacted MOHELA and spoke with a number of different supervisors, each of whom stated that my account would be corrected within days. Two months later my account balance and interest remain incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX issue. XXXX XXXX and XXXX XXXX : First of all, this is not XXXX XXXX account. Second, XXXX has been called and contacted multiple times with no resolution. 

First of all, I had a home disaster, while we were evacuated from our home, XXXX charged us for it the whole time, Next, I turned in all of their equipment and regardless, I paid the bill monthly and in full. Because of the billing, I changed to XXXX. I paid XXXX in full, they had received all tier equipment and I did, multiple times, call to confirm XXXX balance. 
When I received my credit report, a time later, I was in shock. They claimed a Charge off on the credit reports. In Experians case, the CO is claimed for to whole years, since XXXX. I asked for confirmation and offered to pay what I owed, but they person answering the phone stated I did not owe anything. So, I requested an investigation from both the credit agencies and XXXX. Of course, XXXX states they dd one and the report is accurate, yet, neither Experian and other creditors, to include XXXX will not provide their proff, nor provided me an answer what I owed to them. 

In the mean time, my job questioned a few weeks ago, sine my credit report and what they reported has a high impact on my employment. A charge off is bad, AT this point, I have no idea what was charged off, what I owed ( they stated nothing ) and am disregarded in trying to get this off my credit reports. I am told, when I re engage that they investigated prior and doing NOTHING FURTHER by both credit agencies and XXXX. They are ruining my credit and the credit agency is not holding them to standards, obviously. I get the same feedback, the company states they looked into it and they are reportig accurately - nothing is challenged or provided to me, as requested. I requested time and time again of their findings from both and am ignored. The last time investigation is XXXX XXXX. 

I started this inquiry, years ago, get frustrated and try again. Ultimately, it is very past 30 days of resolution. I want XXXX off my credit report. And if it is on any of my husband`s ( bill I snot in his name ), remove it off is too. 

Also, at my job, XXXX was addressed and if I lose my job on their reporting, this WILL STEP UP! XXXX XXXX is a XXXX  veteran and this will hurt her employment. 

NOt sure about the other creditors, but, Experian seems to do nothing about my requests and never provides proof, - XXXX is one of them.