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

There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. Someone has been using my personal information, to try to obtain auto loans and credit cards. My information has also been discovered on the dark web. The incidents started in XX/XX/2022. I have reported this crime to the XXXX Police Department and the Federal Trade Commission. There are numerous hard credit inquiries on all three of my consumer credit reports. I have filed disputes with the credit reporting agencies, to no avail.
Product: Credit card

Wells Fargo keeps reporting to my credit that I have or had an account with them. I have provided them with the police report and the FTC report but they still think the account belongs to me. I have never banked with them, nor has my credit ever been good enough to get an account like that. I have disputed this with the credit agencies and they have done nothing. Wells Fargo does not have a valid ID on file.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I meant to send money to someone, I missed a letter in their name. I reached out to cancel the payment as it was not accepted, was unable to cancel the payment. I then reached out to customer service and was told they are unable to cancel the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my synchrony bank account is XX/XX/XXXX, but LVNV has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from LVNV due to the inaccurate information and documents supplied from them confirm my last date of activity for synchrony bank was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to LVNV inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed LVNV from my credit report, and XXXX removed it at first but then placed it back on my credit report, because they claimed LVNV said the information is correct. I even gave XXXX the documents from LVNV showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. I have filed XXXX disputes regarding this with XXXX. XXXX online, and another over the phone with all the required documentation. XXXX is refusing even with the documentation to remove this from my credit report even though it is outside of the statue of limitations in the state of Oklahoma. LVNV has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from LVNV showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.
Product: Credit card or prepaid card

my card was never received in the mail and was charged over 29000k in fraud and my phone was fraud ported over and this account i applied for was used, capital one claims zero fraud liability and there holding me accountable for these charges, i filed a police report and i filed a complaint with ic3.gov there violating my rights under the fcra and the fcba, i asked for the merchant responses and the signatures to verify those are mind since there claiming there mind they have refused to do that i spoke to XXXX and XXXX and there telling me thats not my right
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX money transfer good and service. XXXX XXXX XXXX on XXXX &, XXXX filed a charge back for {$300.00}. On same day paypal charge me XXXX. I made many attempts to contact XXXX XXXX by mail and DM with no response.meanwhile I had fork out XXXX to clear my paypal account. 

I was told it would be 75 DAYS to hear back from his bank by then paypal would take care of it. The issue is I paid it and paypal received information back in XXXX XXXX. State the following : " After reviewing the info we received, we were unable to cover this payment and have debited {$200.00} USD from your PayPal balance. Well attempt to recover this amount from the buyers financial institution. If were able to recover the payment, the money will be credited back to your balance. It could take up to 75 days for us to get a resolution. '' XX/XX/XXXX I spoke with manager from paypal. I explain everything told today is 75th day to see if they close the matter but now they are saying other 180 days. I need it close so I can take legal action by it open there saying possible money will to be return to me from court point of view. I already paid it so should be close matter and bank already advise paypal in matter in XX/XX/XXXX. Secondly, does not take 75 days nor 180 days complete a chargeback. Any assistance in this matter would be helpfully. 
regards XXXX
Product: Checking or savings account

I signed up for CitiBank checking account as a new customer under the promise that upon a minimum of 2 direct deposits totaling at {$1500.00} occur within the first 90 days of opening the account, they would deposit {$300.00} into that account. 
I completed the requirements long before the promotion period ran out. Since then, I've requested that they hold up on their end of the promotion and they've denied me multiple times. I opened a dispute and they advised they do not see the promotion, even though I've had 3 different associates give me the promotion code attached to the account. At this point, it feels like they're committing fraudulent activity just in denying to keep their end of the deal and blatantly lying on their research response. I'm uncertain how multiple associates can see the promotion attached to the account yet the team that investigates can not.
Product: Credit card

I ordered a watch through XXXX, which is a platform for online commerce for fashion items and accessories. The watch was not delivered for several weeks, and I asked them to cancel the order. They ignored my request, the watch gets delivered. I ask to return it, they provide a XXXX tag. I return the package to XXXX ( I have receipt as a proof ), and it looks like someone at XXXX has lost/stolen this package, as it never made to destination. 

I made this purchase with Capital One credit card ( Venture XXXX ), Capital One will not dispute the transaction because the package was not delivered to destination. I have showed them the copy of the XXXX receipt and all the correspondence I have had with the vendor. However, they refuse to dispute this transaction, claiming that if the XXXX site does not show " Delivered '' they will not be able to accept my dispute. This statement was told me over the phone by a Capital One specialist, it is not detailed in any correspondence they have sent me and that I am attaching here. 

What happens after I drop off a package should not be my responsibility any longer, as I am merely executing the vendor 's instructions to drop off the package with their preferred shipping company. 
Capital One is not honoring what they promised in their credit card contract, i.e. purchase protection. 

I am attaching copy of my XXXX receipt, my attempt to communicate with Capital One, and Capital One 's final letter. 
In the final letter, it is stated my documentation lacks of " all the previously requested information needed to validate your dispute ''. I do not know what these are, they were never disclosed to me, I have provided my receipt as a proof of handling package to XXXX, and this should be enough ( at least it is with other credit card companies ) to allow the dispute to be open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX ACCT. NO. XXXX. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt. 
7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit card or prepaid card

I cant seem to login to my account online and when u signed into the mobile app it shows a charfe for a new card and cor the mailing and shipping charge that i did not do or authorize.
Product: Debt collection

I received a debt collection letter from Vengroff Wiliams , Inc ( XXXX ) for a XXXX  Credit Charge Back in the amount of {$89.00} asking me to pay this amount. I contacted XXXX, XXXX OH ( XXXX ) where my storage used to be located and they confirmed that I no longer have a storage or a balance. 
The address at the top of the letter says : Vengroff Williams , Inc. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The bottom of the letter says : Vengroff Williams , Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX. Reference # XXXX.
Product: Debt collection

I had a personal loan that was transferred over to Northwood Asset Management Group after missing a payment for 61 days due to the current global pandemic. They have repeatedly called me and my place of work making threats about garnishing wages and suing me over 2 monthly missed payments. Mind you, I was not notified about this change and had no idea who they were. On XX/XX/XXXX they called me again and threatened me by stating they would take me to court if a payment was not made. They then sent me an authorization form for my approval to remove funds from my account the first of every month in which I did NOT sign or give my approval. Come XX/XX/XXXX, they withdrew {$300.00} from my checking account that was not authorized. On XX/XX/XXXX, I called to find out their reasoning behind this and was threatened again and told " they would come after me '' and send my employer tax forms to garnish my wages and that if they received a XXXX for every person using the pandemic as an excuse - they'd be rich. I asked why he had zero respect or understanding as to what was taking place and why he felt they could process any payments without my authorization. He then proceeded to threaten me with the " tax forms '' being sent to my employer again and actually hung up on me by saying he has been nothing but respectful to me during this time and will not continue any further conversations with me.
Product: Checking or savings account

XXXX, a financial institution, provides stock brokerage and banking services to customers. I use both services with XXXX. Recently, I lost my debit card and contacted XXXX through the XXXX 's app. They closed the lost card, issued a new one, and initiated a dispute for unauthorized transactions. Some transactions were refunded, but others are still being processed at the time of my last login into my account. XXXX requested my ID for verification, which I provided. I erased the device used to access XXXX as a precaution. However, I lost complete access to my account. I requested many times support, sending again my ID and taking a photo to regain access to my account. However I still can't access my account. I need XXXX 's assistance to regain access and address issues with my debit card and account usage.
Product: Debt collection

I sent Midland Credit Management a certified validation of debt letter on XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA XXXX that was delivered on XX/XX/2019, requesting validation of the debts with a 30 day time limit. 
( Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not receive a response from them until XX/XX/2019 ( dated on their end XX/XX/2019. 
This letter did contain verification of any debt, only a misstatement of my request about having an attorney representing me. I have none as yet. 

Therefore, I want to report a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed. Do not belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Does not belong to, XXXX XXXX request to be removed ( XXXX XXXX XXXX XXXX XXXX XXXX request to be removed
Product: Credit card

My niece was XXXX  in a car accident on XXXX, XX/XX/XXXX. I received her personal possessions from the coroner this week, including her credit cards and realized no one had canceled her credit cards. I called American Express today with her card info to let them know of her death so that her card could not be used. I was transferred to the Deceased Person unit and provided the account number, her name and the last 4 digits of her SSN. My niece was XXXX. We did not live together. Our cards are not linked. Our finances have never been linked. I did not provide any PII other than my name. I did not tell them I had an American Express card. 

XXXX hours later, I received a text message that my card was suspended in XXXX XXXX. I rarely use this card so I thought it was odd. I went into my online account and there was a notification that my card was suspended and to call Customer Service. 

I called American Express Customer Service asking why my card was suspended. I was on hold for a very long time. While I was on hold, I received a text message that my American Express card had been restored to XXXX XXXX. The Customer Service came back and explained to me that indeed, my card had been suspended but that it had been restored as this was an error. When I asked what happened, they could not explain much. Essentially, the Deceased Person unit had accessed my card information, without permission and without my knowledge, and canceled my credit card. How is this possible? I have asked American Express to investigate this incredible breach of privacy as well as a grievous error.
Product: Debt collection

I owe Nothing to Penn Credit Corporation. The debt was with A medical provider under contract with my insurance carrier. The provider was paid the allotted amount under the contract. 

Penn Credit is attempting to collect a fraudulent Debt thats is not owed.

Furthermore Penn Credit has impacted my Credit score.
Product: Debt collection

I requested a validation of the debt from collection agency XXXX XXXX XXXX, XXXX. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting

Despite a letter from XXXX XXXX dated XXXX XXXX, XXXX ( sent via fax to your agency this morning ) sent to all XXXX of the major credit reporting agencies, including Equifax , instructing them to immediately and permanently remove all records of late charges, specifically a late charge XXXX XXXX, XXXX of {$50.00} and a second on XXXX XXXX, XXXX of {$30.00}, they refuse to do so despite four complaints to them and numerous phone calls. The last of these calls was to XXXX XXXX, wherein he stated that he would personally ensure that these XXXX negative items were removed. Yet, according to their latest credit report of XXXX XXXX, XXXX, # XXXX, these XXXX negative items still appear and are preventing me from obtaiing a mortgage loan to purchase a home. They have been totally uncooperative from the onset of this matter. They have also misspelled my name and inserted the lower case letter " XXXX '' after XXXX, the first initial of my name, and refuse to remove this error. I hereby demand that they honor the demands of the XXXX letter and immediately and permanently remove these XXXX items just as the XXXX other credit reporting agencies have done.
Product: Checking or savings account

On XX/XX/year> at around XXXX XXXX I attempted to use my card at a merchant in XXXX, XXXX. The card was declined twice. I contacted Bank of America who claimed that my account is set for closure for violating the deposit agreement. When I asked for more information the agent refused to disclosed and alleged that I will receive something in the mail. 

Bank of America did not provide any notification, did not discuss investigation about my account, and did not provide any information before hand about this issue. Instead I had to find out when I was publicly embarrassed by my card being declined despite having money in the account. 

Further, therefore Bank of America REFUSES to provide a reason for closure and uses the Deposit Agreement claiming that there is a violation of the Account agreement. Therefore, I did not violate any agreement and hardly used this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... Experian and all sister affiliates corporations, XXXX and all sister affiliated corporations and XXXX and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX  Entities must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of XXXX  and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.