23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter on XX/XX/21 claiming to be collecting a debt from XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. It is fraud. I do not owe or have accounts with these companies.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, XXXX XXXX closed my credit card account in the amount of {$570.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Product: Student loan

I signed a promissory note stating I would get a loan reduction down to  XXXX  dollars a month. Every time I get a bill it 's higher and higher.
Product: Debt collection

I am in the process of repairing and building positive credit. During this process I requested a debt validation letter from AFNI who is reporting a debt of {$3700.00} from the original creditor XXXX on my credit report. I sent the letter priority mail XX/XX/XXXX to XXXX XXXX XXXXXXXX, XXXX, IL XXXX and have not received a response. It has surpassed thirty ( 30 ) days and this is a violation of the Fair Debt Collection Practices Act.
Product: Mortgage

I have complied with all requests for information to remove PMI from my account and have been told each time that it will take 15 days to process my request. I received one canned email from them which acknowledged my request but ignored all information already submitted. Other than that, nothing ever happens and phone calls to AmeriHome only promise a return phone call from someone who can help - which never happens. Getting through on the phone takes 20+ minutes just to be told that the proper department can not be reached except by email ( as I 've already been attempting ), and that a request will be submitted to have someone call me. I 've done this at least 4 times so far. It has been over 3 weeks since my last request and I had expected to be contacted by now to schedule an appraisal and continue the process, but have heard nothing. I 've been trying for months to get this done.
Product: Debt collection

Credence Resource Management Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX First numbers of account : XXXX .... Phone ( XXXX ) XXXX. Date XXXX. 
Original Creditor XXXX XXXX It was placed for collection. attempting to collect {$1100.00} from me. I do not own this account. I have never lived in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want all information regarding a b/k over 9 yrs ago removed from my credit reports from all three reporting agency and to be advised when done!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

UNKNOWN INQURY ON REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXX last XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account open date XX/XX/XXXX have a account with : XXXXXXXX XXXX XXXX XXXX XXXXXXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report
Product: Debt collection

I have tried multiple times to talk with these folks to resolve a matter from XXXX that is not mine. They are very rude and unwilling to work with you so at this point I am asking that the debt be removed from credit reports. All 3
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter requesting investigation for inaccurate accounts found on my credit report. I never received a response so I mailed a letter on XX/XX/2020 and XX/XX/2020. I still haven't received a response and these inaccurate accounts are still shwoing on my credit report.
Product: Credit card

Well, I've lost my wallet, or it was actually stolen from me,,,, I reached out to my credit cars companies asking to cancel my cards and resend another,,,,, Before they did anything about it, the card companies requested payments,, which i felt was unfair if I didn't physically have my credit cRds to even make purchases
Product: Credit card

I am writing to bring to your attention a serious and concerning issue I recently encountered with Capital One concerning fraudulent activity on my credit card account. I believe that Capital One 's handling of my situation demonstrates a reckless, unfair, and possibly illegal position that fails to meet its responsibilities under federal consumer protection laws, including the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), as well as its obligations to me as a consumer. 

-- Timeline of Events -- -- Incident with XXXX On XX/XX/2023, I received a package from XXXX containing items that I did not order. 
After contacting XXXX, I was informed that another customer had placed an order using my credit card information, but that due to privacy regulations, they could not disclose further details about the account in question. 
XXXX instructed me to report the matter to my credit card company. 

-- Interaction with Capital One Immediately after my conversation with XXXX, I contacted Capital One to report fraudulent activity and to cancel my current card for reissue. 
Despite providing all the relevant facts, Capital One concluded a cursory investigation, stating that the charges were legitimate because they were shipped to my address and were from a retailer with whom I had previously conducted business. 
I participated in a three-way call with XXXX and Capital One, where XXXX again confirmed that the order came from an account unrelated to me. However, Capital One continued to dismiss my claim. 

-- Key Issues : Failure to Conduct a Comprehensive Investigation : Capital One failed to adequately investigate the situation, taking into account only the shipping address while ignoring other relevant facts. 
Ignoring Documentation and Third-Party Confirmation : Even after a three-way call with XXXX, who confirmed the fraudulent activity, Capital One dismissed the evidence provided. 
Violation of Consumer Rights : Capital One 's actions seem to be in direct violation of the XXXX and XXXX, which require credit card companies to properly investigate disputes related to " unauthorized charges. '' -- Request for Action I am seeking immediate reimbursement of the fraudulent charges : {$140.00} from XXXX dated XX/XX/2023 {$100.00} from XXXX dated XX/XX/2023 I hope that the FTC will take prompt action to investigate this matter. I am more than willing to provide any additional information or documentation that may be necessary for your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, Complainant
Product: Credit card or prepaid card

I had a credit card from Bank of America ( BoA ) beginning in XXXX. I received an in-app offer in XX/XX/XXXX that my card may be upgraded without a credit check or change of card number, the reward points offerings were considerably less, however there was a deal for spending {$1000.00} in a three month period and receiving {$200.00} worth of points. I agreed and the time period was set for XX/XX/XXXX- XX/XX/XXXX ( around 2.5 months, interesting ). 

I have tracked all of my purchases and returns on the card and the net positive purchases was a total of {$1000.00}. I proceeded to use different cards once I reached the goal. 

I have called the bank 6 or 7 times about this issue and spent countless hours on hold just to receive no assisstance. One manager even counted the purchases and returns with me and concluded they made a mistake so he sent a request to the department that can review the transactions and correct my rewards points. Two weeks later and they said no I did not reach it, they won't say by how much I missed it or what charge isn't considered. 

On my last call to BofA, they said they dont have a record of this offer and can't escalate this again. Luckily for me, the department that initially reviewed me sent a letter with the dates of the rewards period and acknowledging I did have the offer and saying I did not reach the required {$1000.00} spending. However there were no details, such as only spending {$950.00} out of {$1000.00} or {$850.00} out of {$1000.00}. 

A final count of all of my purchases subtracted by returns is a total of {$1000.00} which is greater than the {$1000.00} minimum needed for the bonus offer. I would not have upgraded my card because the original had a better cash back percentage but this offer was too good to be true I guess. 

They also have hung up on me while I have waited an hour on the phone. Truly disrespectful. I am available to send all of my transactions and the letter from the bank stating I did have the rewards offer that they currently claim doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that all " debts '' or " contract bonds/notes '' are PRE-PAID at the time of issuance of these contracts, by my UNITED STATES OF AMERICA 'S corporate/commerce entity 's ( which I am the authorized representative/beneficiary to ) XXXX XXXX XXXX XXXX held in the federal reserve bank. I have notified these DEBTOR companies of their fraudulent claims and reports, that they are misrepresenting the contract TERMS, by definition, who is to " pay '' these debts and whose CREDIT it is GRANTED by. My personal signature, or agreement in allowing access to the trust by providing the SSN, is assured by the Securities in TRUST, and is granted unlimited credit- without pre-judice or discrimination. This complaint is in accordance to UCC and USC codes pertaining to the above mentioned. 

DONE IN GOOD FAITH- ALL RIGHTS RESERVED- GIVEN FOR PATENT RIGHT : XXXX : of the family name XXXX, formally from the XXXX family Authorized representative to the " XXXX XXXX aka ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all other derivatives of these names- accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  TX XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are fraudulent inquires that need to be removed : XXXX XXXXt ( XXXX ), XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and I'm disputing some items that need to be deleted. l have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Items : XXXX XXXX Account Number : XXXX Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason for Deletion According to the provisions of the Fair Credit Reporting Act '611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 [ 15 USC ' 1681j ], there should be no charge for this report.
Product: Mortgage

My closing date was XX/XX/24. The Attorney arrived at my home with only one set of closing documents. I asked her about the copy for my records? She stated she only had one copy. I advised her I will follow up with the lender. I then emailed my loan officer who advised me he will send a signed copy once the loan package was received in his office. The rescission period ended on XX/XX/2021 and I have yet to receive a set of documents. I never had the opportunity to review the package during the rescission period. To date I have no idea where to send my payments or anything else for that matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of identity theft due to a data breach, I am invoking my rights under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ) to have these fraudulent entries removed. 
Please find the details of the fraudulent accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is my follow-up filing of complaint alongside my previous complaint dated XX/XX/XXXX. There are items that are fraudulent in my file and must be removed Immediately. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$120.00} XXXX OF XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving phone calls daily from midland credit for the last 3 months asking for XXXX and giving out a birthday and address that are not mine. They're not identifying who there are. They keep on with is this XXXX?
Product: Debt collection

I received a notice on XX/XX/22 from Transworld Systems, a debt collector that I owed XXXX XXXX XXXX {$13.00} as of XX/XX/22. The notice included the following account invoice # XXXX. They claimed this is my account #. I have never received a billing statement from XXXX. 
First of all I do not have an account with XXXX. So, I have no account number with them. Second, XXXX informed me that their accounts are 9 digits long. Obviously the account listed above has more than 9 digits. Upon researching Transworld Systems I discovered their reviews often describe them as a scam or fraudulent. I might be experiencing the same
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting 4 Outsource receivables collections # 's XXXX, XXXX, XXXX, and XXXX. That were all included in my Chapter XXXX Bankruptcy # XXXX. These are in violation and should not be reporting, and need to be removed off of my XXXX credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) XXXX  XXXX  XXXX
Product: Credit card or prepaid card

Long story Short I have complaints against 3 different banks that attacked My credit while I was away on military orders. This has been on going for a few years and I have tried to settle this with all 3 banks. One of the banks ( Synchrony ) went as far as accusing me of stolen valor. These banks keep refusing to fix things and I want to make the treatment of military public. They had recieved notification I'd be away on orders. When I came home they charged the accounts off as Bad debts.
Product: Payday loan, title loan, personal loan, or advance loan

Was told they was offering specials for playoffs and my ex girlfriend paid the balance and when I didn't get my title back I called the number wasn't working and they was out of business because of the illinois government shutting them down
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a last minute cancelation at a XXXX XXXX and was charged a fee on XX/XX/XXXX ( {$200.00} ) I opened up a dispute with Amex to remove it, and during this dispute XXXX reversed the fee. On XX/XX/XXXX, XXXX refunded me. On XX/XX/XXXX, Amex gave me a {$200.00} credit pending decision of dispute. 

I told Amex that XXXX had refunded me so they could close the dispute. Amex then reversed their initial credit of {$200.00}. ( XX/XX/XXXX ) Things are now settled. 

On XX/XX/XXXX, Amex issued me a correction charge for the misposted credit for {$200.00}. This is where that took money from me. 

I opened up a dispute shortly after regarding this mis-adjustment. 

On XX/XX/XXXX, they finally gave me credit for their mistake of {$200.00}. ( At this point, things are settled ). 

On XX/XX/XXXX, they issued me another correction of {$200.00}. The issue is still not resolved after multiple attempts.
Product: Debt collection

I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with JH PORTFOLIO DEBT EQUITIES , LLC even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to JF PORTFOLIO TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but JH PORTFOLIO continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH Portfolio with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX Portfolio do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.
Product: Debt collection

This company called my elderly father - has not ever called or left a message for me. They said they were collecting a very old debt that I was ignoring and they threatened that I needed to contact an attorney because they were going to sue me for this " very old debt. '' They identified themselves as " Agent XXXX '' like they were from some government agency. When I called them back they asked for my SSN and would not speak to me unless I gave it to them. I did not.