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

I received an email on XX/XX/2021 thanking me for opening a new account with TD Bank, following that email there were 3 others updating the email, phone number and address. I called the number from the email and they closed the account immediately. I went down to the bank and tried to have the account pulled up with ID but they were only able to pull it up with my full social security number. I was asked to verify another name I would have used to open the account and when I gave them my maiden name XXXX, the teller verified that was correct. I do not have nor have I opened any accounts with TD bank in well over 5 years. Once I pulled credit report I have noticed other items that should not be on there either.
Product: Credit reporting or other personal consumer reports

These inquiry have no bearing on my financial operations, so I decline them. I'm demanding that they take immediate action to get off my credit report.
Product: Debt collection

Portfolio Recovery Associates - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to provide my request for signature validation, well past 30 calendar days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experian.com membership was logged into, the type of account was changed, and my account is now a XXXX, {$26.00} per month billed account. I am being asked to pay {$26.00} past due balance if I want to access the experian.com online account. They have also added addresses, and other personal information which are not mine. I can no longer check to see what they have added last. The telephone customer service line disconnected me after I entered my social security number several times by phone. They are accessing my account to cause credit issues, add addresses, theft, and stalk through transaction activity online. There have also been changes to my open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY, I LOOKED AT MY CONSUMER REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFIMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN, XXXX Cease and Desist Letter To whom it may concern, I am writing to lawfully demand that Jefferson Capital Systems cease all forms of communication with me relating to any alleged debt you claim I owe. This communication includes, but is not limited to, phone calls, letters, emails, and reports to any credit bureaus, XXXX, XXXX and XXXX. 
Supported by the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), this is my petition that you stop all forms of communication with me. Jefferson Capital Systems did not extend any credit creating this alleged debt. Therefore, they are not considered a debt collector under the law. This letter serves as my formal notice.

Furthermore, I must address that your reporting of this alleged debt to the credit bureaus is unreliable and unverifiable information sent to the credit bureaus. This is not only a form of communication but also holds a potential violation against the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. If the debt you are reporting is incorrect, outdated, or unprovable, I insist that you immediately withdraw it from my credit report. On my behalf, I did not validate this unproven debt by not challenging it within my original 30-day period which is supported by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please note that any further attempts to contact me or report this alleged debt without proper validation will be considered harassment and a violation of my rights under federal law. This validation needs to include the original creditor 's name, the amount of the debt, and proof that Jefferson Capital Systems has the right to collect the debt. If you disagree to comply with this petition, I will proceed to enforce all legal actions to protect my rights.

In conclusion, I would like to request a written confirmation that all communication has been ceased with me. Also, that any erroneous reporting is rectified. Send all correspondence to the address listed above. 
Thank you for your immediate assistance with this matter. 
Sincerely, XXXX XXXX XXXX.
Product: Credit card

The Original company XXXX XXXX bank issue a card to someone with a simplier name or social as mine this is a fraud account open in my name without my permission.
Product: Mortgage

I'm writing regarding an incident that occurred in 2010 with WELLS FARGO. I qualified for a HUD and went through the process of purchasing a home at that time, for XXXX in XXXX California. We had submitted all documents, we had given our deposit all we were doing was waiting for the keys. WELLS FARGO goes to tell us that there was an error on their end and we have to freeze the entire sale and wait 60-90 days before we can go through the process of purchasing the home. We lost the house. I had no idea this was something I could submit a complaint about until I began to hear about the lawsuit against WELLS FARGO. This was a big purchase and a massive loss for an opportunity to own a home at that rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX and XXXX XXXXXXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Fraud Victim Assistance Department, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Credit card

The dispute involved, but I think it was a scam regarding security software for PC and ratings of such software with a link to buy. I tried purchasing one of the recommendations and paid for the transaction, but would never received download. I thought it was just a glitch in this in their software, so I tried the second company they rated that they raided in the same thing happened and then the same thing happening able to third you wouldve thought I wouldve got caught on after two, but I was stupid enough to go for three because the third one was a big name company, I disputed all three charges. The issue is the person that I had to speak with totally non-technical. Do nothing about the computers wouldnt know how to validate what are the services in provided or not and in their lifetime will required somebody from your IT department, actually look at XXXX XXXX remotely and prove that I never downloaded the software what is software was never downloaded by by the vendor, hi I made my arguments and they said they ignored them. Turn down my dispute wouldnt provide the proof that the customer provided in order to arrive at their decision and I know because Im with him Im a 45 year veteran of the IT industry that Im on right and theyre wrong and theyre wrong because theyre so non-technical then they still non-caring and have no real escalation process that works, so Im about to drop Discover card and go with a different card company hoping that your dispute process is better. Im gon na go XXXX it with XXXX XXXX where I have a financial interest ready for a card with XXXX XXXX XXXX  but I understand there is broken. is Discover or even worse so I think its a systemic problem with these companies card companies they need to be fixed if consumers are going to be protected because were not I thought your dispute process was good because they they they they honored by disputes in the past, but this time it was pathetic who I was handle, and so on customer focused
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act XXXXt has violated my rights Account # XXXX Date : XX/XX/XXXX Amount : {$24000.00} Account # XXXX Date : XX/XX/XXXX Amount : {$410.00} Account # XXXX Date : XX/XX/XXXX Amount : {$150.00} Account # XXXX Date : XX/XX/XXXX Amount : {$2100.00} Account # XXXX Date : XX/XX/XXXX Amount : {$13000.00} 15 U.S.C 1681 section 602 A. States I have 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, credit repair services, or other personal consumer reports

XXXX XXXX  account opened XX/XX/2017 and Balance {$0.00}. This is a closed account but company is showing late payments and I have never been late on any payments.
Product: Credit card or prepaid card

My husband died last year. I found out that he co-signed for a card in my name. I sent Wells Fargo information proving my ex-husband and I lived at separate addresses at the time he did this and a cash out mortgage 2 years later showing it wasnt on my credit report to pay off at the closing. they are still saying it isnt fraud bc he used our joint checking account to pay the payment like he did for all his debt and bc I own the property where the merchandise was installed. I didnt even live at the property at the time of installation which I also proved. Plus, This is not a secured debt. I proved to Wells Fargo that I didnt know about the debt until after my exhusbands death. I due diligently sent them solid proof of the two different residences and even my digital signature which was not used to sign the contract for the card. My partial name typed out was used to sign the document. They are not using the definition of fraud to determine my case. They are just going by the fact that the merchandise increases the value of my property. Which it does not bc my property is only valued for the land not the building per the tax records. I actually have a negative against the house on my taxes records bc the building is devalued by the tax dept. I can provide proof if they would like the tax statement on my home. I have been contacting Wells Fargo since last year of this issue. It has effected my credit score and cost me thousands of dollars for my husband to have used my information to gain this card. Ive also offered to provide proof that we had no debt in 2019 together not even my mortgage or any debt there after. And Wells Fargo doesnt care about the facts. Ive done everything theyve asked of me only to be denied my fraud claim for the same unproven reasons even after supervisor told me to provide proof I lived at a separate address. No check is signed by me and the first correspondence they had with me about this debt was a month after my husbands death when I was contacting all his creditors about his death and making payments until his estate was set up. They didnt even have my telephone number or email Or employment information until I started fighting with them. They only had my social security number and a value of my income. I even proved my husband lied on the application about his income. He has no income at the time and it states he has XXXX XXXX month. And they only have his email address that I didnt even know he had until they sent me a copy of the digitally signed contract he signed through his email. I was forced to settle this debt to keep it from further ruining my debt bc unlike what I was told by the people at Wells Fargo- they were reporting late payments against me. This is a shady company that does shady business practices. I was also told that a spouse can sign a joint agreement on behalf of the other spouse. Im not sure how that is even legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase card shows minimum payment due payment of $ XXXX monthly paid. The card total balance due is automatically paid off every month. Averaging {$1200.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX {$23000.00} XX/XX/2012 ACCOUNT REPORTING INCORRECT
Product: Credit reporting or other personal consumer reports

I have contacted this company over 2 years ago and opted out of them sharing my information and now I am still receiving denials based on their fraudulent unauthorized information. They are providing risk analysis to landlords without my authorization and they have yet to show what is in my report and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any 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 XXXX XXXX Balance : {$83000.00}, XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I have a cash app account that was for unemployment I got paid my back pay no problem it was over XXXX well then they tried to put that same amount in my account but took it back then I had my sister in law send me XXXX she owed me and my unemployment got out on it well then they closed my account wont let me get my funds I have XXXX in the account I have emailed them and done everything they will not give me my money and I need it I am a mom of XXXX and have tried to do every thing
Product: Credit reporting or other personal consumer reports

I am filing this complaint against FH Cann & Associates for unethical credit reporting and potential violations of federal consumer protection laws. They have placed a collection account on my XXXX credit report for a debt that was previously removed after being deemed inaccurate and unverifiable. Their actions raise serious concerns regarding unfair debt collection practices, re-aging of debt, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). A prior company previously reported this alleged debt but later removed it from my credit report, suggesting it was inaccurate. FH Cann & Associates has now repurchased or acquired this same debt and placed it back on my credit report without validation or proper notification. FH Cann & Associates never sent me any formal communication about this debt before reporting it to XXXX. Under 15 U.S.C. 1692g of the FDCPA, they are legally required to provide a written validation notice within five days of first contact, which I never received. I have never had a direct business relationship with FH Cann & Associates, nor do I recognize this debt. Since they have failed to provide any documentation proving their right to collect this debt, this may be an instance of fraud or identity misrepresentation. The FCRA ( 15 U.S.C. 1681c ) prohibits debt collectors from reporting inaccurate or outdated debts. Since this is a re-aged debt, it is a clear violation of my consumer rights. Their inaccurate reporting is harming my credit score and financial standing unfairly. This is a clear case of unfair, deceptive, and potentially illegal debt collection and credit reporting practices. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for an American Express XXXX Card with an intro offer of receiving XXXX membership rewards points after spending {$4000.00} within 6 months. 

In the month of XX/XX/XXXX, I met the spending requirement of {$4000.00} within the 6 month timeframe. 

On XX/XX/XXXX, I contacted American Express to inquired about the XXXX and was told " I'm sorry, the welcome bonus offer is declined on this card account. '' and " that The eligibility of the welcome bonus depends on various cards you've had with American express. It's considered as a one time incentive who are joining the American express for the very first time. Generally, this information is provided at the time of card application in a pop up. '' I told the Amex rep that I never received the pop-up to warn me of such. The Amex rep then opened an investigation on my behalf to find the real reason for my denial. 

On about XX/XX/XXXX, I reached out to Amex for an update and was told that my welcome bonus was denied because I also have an Amex XXXX card. I was never informed that having another card would deny my ability to qualify for introduction bonus rewards. I submitted a complaint to Amex and was told that nothing could be done to reverse this action. I believe that this practice by Amex is unfair as I have never been an Amex customer in my life and now have a hard inquiry due to the credit application for the Amex XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX Acct Number : XXXX XXXX XXXXXXXX Acct Number : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, 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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any of the following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint against NFCU regarding multiple overdraft fees despite having the funds when transactions were authorized, I was charged due to the lagging and late posting of other charges and credits. This issue aligns with with the recent CFPB against against Navy federal credit union.