23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've been receiving funds on my bank of america prepaid card from EDD unemployment insurance. After receiving two recent deposits equalling approximately a little over {$1300.00} from the Unemployment insurance. There was then two unauthorized withdraws from a XXXX XXXX  atm on XX/XX/XXXX and XX/XX/XXXX totalling {$1200.00}. One withdraw of {$880.00} and another of {$400.00} leaving the account with {$40.00}. Upon seeing this, I immediately contacted bank of america prepaid, I want to say around XX/XX/XXXX and filed a fraud claim on the transactions.They filed it and then told me to discard my prepaid debit card and that a replacement would be sent. The replacement was not sent instead I received a notice in the mail stating that because of concerns of my account being subject to fraud or suspicious activity that they have placed a block on the account and would take no further action. Also that if I wanted to have them reopen the claim to reconsider this to contact a number. I also did this. I am now attempting to file a police report to fax to them to back up this issue.I feel like bank of america is doing nothing to really see that this was fraud. The location of the XXXXXXXX XXXX atm withdrawal is a bank very close to an bank of america atm that I used once to withdraw money. If they look at all my transactions I either transfer the funds to my bank of america checking account or I use there atm but never from an atm with a surcharge fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

After misplacing my original credit card that I had not used in a long time, USAA insisted that I be issued a new credit card and number. This account number is listed in the USAA Consumer Report Dispute form that is attached to this complaint. They also required that I make a purchase with the card to 'activate ' it. I did have a single transaction and then waited for a bill. Because of some internal error on their part, I never received a bill in a timely fashion. When perhaps a month had gone by without any bill, I called them and asked where it was. They had not sent it because they said the old credit card had been deactivated, that a bill had not been generated properly, and there was some internal mix up. When they finally sent the bill and I paid it in full, it was recorded as late and reported to all the credit agencies. This resulted in my credit score dropping by about 60 points and damaging my credit for borrowing funds for clean energy improvements for my home including solar. I filed a complaint with USAA with their Consumer Report Dispute Form. I explained the issue and they have refused to correct their report to the credit agencies including XXXX, XXXX, XXXX and XXXX. Other than this problem, I have no credit card issues, have always paid my bills promptly etc. This was USAA 's error that I should not be penalize for. I have gone through their system and have not received a satisfactory resolution. I am a XXXX XXXX and I need your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report since the disputed items resulted due to identity theft. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DEPT OF ED/XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Stated late but no proof was provided to me.
Product: Consumer Loan

I was assigned account number XXXX for a XXXX Nissan Rogue in the amount of {$11000.00} from XXXX /Consumer Portfolio Services XX/XX/XXXX I never received tile and ultimately the vehicle. When I inquired about this account I was told XXXX XXXX XXXX was ultimately responsible for the vehicle and suit was filed against the company. I was told I would receive in writing a letter to present to the credit bureaus removing this debt as part of the class action lawsuit against consumer portfolio. During the investigation two years ago it was determined that the vehicle in fact was never registered and the loan and title was not properly processed by XXXX and Consumer Portfolio and the vehicle was in XXXX XXXX XXXX possession. 


Again, I am asking for this account to be removed from my XXXX credit report as it has already been removed from my XXXX and XXXX. Please send in writing to my address below when this account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, OH XXXX SSN # XXXX DOB : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing the details of my credit report and I saw that XXXX XXXX  # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.
Product: Debt collection

had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement. I was told the original settlement amount was 65 % of the XXXX total. That is roughly 2600.00.  When I requested this in writing along with an itemized receipt I was told I would not get a letter until completion of payments ( which I was told was XXXX, not XXXX. ) Zwicker made the agreement so they should have it in writing somewhere. Something showing the total amount and not just verbal. They have already received XXXX and XXXX and XXXX are now requesting the full amount of XXXX again. Is this legal??
Product: Credit reporting or other personal consumer reports

XXXX deleted and item they were reporting twice on my consumer report on XX/XX/XXXX and on XX/XX/XXXX added back on my consumer report Experian continues to violate my rights they are causing hardship to me and my family
Product: Student loan

I had set an overpayment on my account with Navient ( Formely XXXX XXXX ) - which was to help reduce the total cost of my Student Loan. This had been in place for at least 2 years - then out of the blue I received a message stating that there has been a change to my account - and some dates & terms. It never stated exactly what had changed. Then I checked my Navient account and realised they REMOVED my overpayment - so now they were only taking out the minimum to cover - which in effect means I 'd end up paying more on the balance over time if I did n't realise this ( accrue more interest ). This was Totally not cool.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and XXXX directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally request the blocking and deletion of specific fraudulent items associated with my credit file. As a confirmed victim of the XXXX data breach, I have experienced unauthorized activity on my credit report, including fraudulent accounts and a fraudulent XXXX  XXXX bankruptcy filing. 

The following items were added to my credit report without my consent, and I request that they be blocked and permanently deleted under the Fair Credit Reporting Act, pursuant to 15 U.S.C. 1681c-2 ( a ) : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Fraudulent XXXX  XXXX Bankruptcy Filing These accounts and the bankruptcy filing were established without my consent following the XXXX XXXX XXXX. I request that they be removed from my credit file and blocked from any further reporting. 

Please confirm receipt of this request and provide written confirmation once these actions have been completed. I am available at the contact information listed above should you need any further documentation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$300.00} from QC Financial and they charged me 500 per cent interest making the total loan {$690.00} over a 6 month period at {$110.00} per month. I want investigation into QC Financial charging such Usuary Rates of Interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect  that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I am seeing that XXXX, XXXX, AND TRANSUNION IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT. AS A CONSUMER I KNOW I HAVE NOT GIVEN THEM ANY PERMISSION TO REPORT THESE SUCH ALLEGED LATE PAYMENTS. I AM STRESSED THE HECK OUT BY ALL THIS NONSENSE AND THIS HAS CAUSED HARDSHIP TO ME AND MAY FAMILY BC OF ALL THIS ALLEGED LATE PAYMENTS ... STOP THIS AT ONCE AND THIS NEEDS TO STOP THEY ARE IN VIOLATION OF THE FEDERAL LAW. I HAVE WRIITEN THEM NUMBEROUS TIMES AND STILL THE LATE PAYMENTS ARE ON MY ACCOUNT. I AM DEMANDING ALL LATE PAYMENTS OFF MY REPORT IMMEDIATELY. ACCORDING TO 15 U.S.Code 1666 ( b ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. Also 15 U.S.Code 1681 Sectiom 604 ( A ) Section 2 states a consumer reporting agency can not furnish account without my instructions. 15 U.S.Code 1681 Section 602 states I HAVE THE RIGHT TO PRIVACY.. THESE CREDIT AGENCIES ARE IN VIOLTAION OF THE FEDERAL LAW. AS THE COSUMER I DEMAND ALL THE ALLEGED LATE PAYMENTS REMOVED IMMEDIATELY. ... THIS IS A FEDERAL VIOLATION ... REMOVE ALL THE LATE PAYMENTS ON ALL MY CREDIT REPORTS.ALSO DO NOT EVER REPORT ANY ALLEGED LATE PAYMENTS IN THE FUTURE ON ANY OF MY CREDIT REPORTS...
Product: Debt collection

This account is closed. Its reporting inaccurately to credit agencies. Its a violation. I want it deleted and removed. I begin trying to remove this since XX/XX/XXXX by sending multiple letters to the collection agency by certified mail through the post office as well as online. XXXX  has agreed to remove and delete from my credit report. I was also a victim of the XXXX  breach in XXXX.
Product: Checking or savings account

On XX/XX/XXXX I have received a notice that Wise.com is closing your account on XX/XX/XXXX on my business email XXXX. Wise.com is cancelling my account without any valid reason. My membership number with Wise is XXXX. I have not violated any terms and conditions and have been honest and upfront with all my dealings and communications with Wise. This closure is unfair and arbitrary hence I request for reactivation of the account. I have been cooperative and honest throughout and provided all the documents you have requested or answers to the questions you have asked. I don't deserve this unfair treatment of account closure. On Friday, XX/XX/XXXX. I have made a deposit from my own XXXX XXXX Account into my Wise.com account. They have paused the payment for without any valid reason and have asked questions regarding the nature of transaction. I have promptly replied to them with all the questions they asked by XX/XX/XXXX and all of a sudden without any valid reason a day later they sent a notice that they are cancelling my account. This is totally unacceptable. I have attached my XXXX XXXX Bank Statement as well for verification.
Product: Debt collection

These people are using my social security number to open credit accounts in my name and i want them arrested for the crime, and stop calling me and my family.
Product: Money transfers

I was ripped off by Chase. Over the past weekend I sold some tickets to a musical event and was asked by the buyer if I accepted Chase XXXX Pay. I said yes and then called the Chase customer service line to inquire if there was any way that the buyer could cancel the transaction or if I would not receive the funds because of fraudulent activity. I was told that the only way this would happen is if I were to decline the funds. Once I received the quick pay email I then accepted the funds and handed over the tickets to the individual who had just paid me, in my mind, via Chase Quick Pay. I was also informed that the quick pay service could not be used if the person buying the tickets did n't have enough funds or credit to purchase them. Chase 's policy states exactly that sufficient funds or credit is required to initiate the purchase. Wednesday I saw the funds posted into my account and felt a sense of relief. About an hour later I received an alert stating that the transaction was cancelled due to insufficient funds. I said how could this transaction even been initiated if there were insufficient funds? They told me that I needed to wait until funds posted to the account and that it was not their responsibility to insure these transactions. I again asked how the transaction could even be initiated if there were insufficient funds? After 4 hours on the phone they said the executive branch would look into it. Three days later they left a voicemail stating I was out of luck. Should n't Chase be responsible. Their policy states that the funds must be there to initiate the transaction similar to XXXX.
Product: Debt collection

XXXX is trying to charge me {$1100.00} for equipment that has been sent back on XX/XX/2021. The tracking number is XXXX through XXXX.
Product: Credit card or prepaid card

My mother took out a credit card with Capital One in my name. It was not until her death XXXX XX/XX/XXXX XXXX, that I found out about this credit card. At the time of her death, the detective did a search of the house ( was being considered a homicide ) and he found a pocketbook of credit cards in my name in her room ; Capital One being one of them. I first reported this as fraud to Capital One back in the beginning of XXXX as that was when I first became aware of all the credit cards in my name. 

I have sent endless documents showing I did not open this credit card and is thus, fraud. 

I have sent the crime report that the detective wrote for me, yet, Capital One is still not deeming it as fraud. Attached, is a copy of the police report. 

I have submitted my leases to show that I was living in XXXX, TN from XXXX as the card was taken out in XXXX, NC in XXXX ( where my mother lived ). Despite the evidence illustrating that I was living out of state and that my mother took out the credit card, Capital One still refuses to deem it as fraud. Attached, are copies of those leases. 

Not only could they not give me a reason for why they were not deeming it as fraud, all they told me to do was " contact credit federal bureau ''. Very ambiguous and ill-informed explanation. 

Attached, are other credit cards XXXX found in the same pocketbook that was taken out in my name by my mother ) that deemed it as fraud. Yet, Capital One refuses to do so. These credit card companies that deemed it as fraud include XXXX, XXXX, XXXX XXXX and XXXX. Capital One still refuses to deem it as fraud. 

Attached, are my Chase Billing Statements to show I was not using the Capital One Card. On the Capital One Billing Statements, I have written down the name of the XXXX Billing Statement that corresponds to the same date. This, further shows I was not using the card.
Product: Checking or savings account

On XX/XX/2021 I found my account locked. After calling I was told my account was being closed for risk. This happens after 5 previous calls that I had made because my transactions were being flagged for unusual activity and each time the agent on the phone would tell me that they have noted my account unblocked my cards and that I would have no problem using my cards. I told them I was trying to purchase cryptocurrency and they would tell me it should be ok now. But then immediately after trying to repeat the purchase my card would lock again. It wasn't until my 5th call that the agent told me bank of America won't allow cryptocurrency purchases. That is also when they locked my account and said they are closing them for risk. But had I been told on my first call about not allowing XXXX I would have not continued to try, but the agents all told me I was OK to redo the purchase. But now my business account and my personal accounts are all locked and being closed. These are my only accounts and all my money is in these accounts and to do this during covid is wrong. Also I have a ppp loan funds in these accounts. {$10000.00} of these ppp funds distributed to my personal account for 1 month of back pay owner compensation and 1 month owner compensation for month of XXXX. The other {$7500.00} is in my business account and ppp funds have strict time periods on when the funds must be used and I am using a 10 week covered period with this ppp. And bank of America closing my accounts with these funds in the account greatly affects my ability to abide to the spending for 10 weeks period for ppp forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account by XXXX XXXX XXXX is clearly staying that it has INACCURATE information reporting under my social security number. Its states invalid date on the report. I have asked numerous times for this account to be removed due to it not being accurate nor validated as the law requires. XXXX has finally removed it because they understand their fault, however Equifax and XXXX continues to deny my right of only accurate information reporting with MY consent! They continue to falsely CLAIM its validated! Not only does it clearly state that it is reporting an inaccurate date, it stated the account was transferred to another party with no name or address to that party ( another violation ). How can I properly dispute this information when no accurate information to contact these people are given! Again denying my consumer rights! Lastly, it states this is a closed account, yet it is reporting monthly activity further harming my credit and contributing to my mental anguish and financial detriment! 

Do not update my report, do not respond that Im an unauthorized party or you cant verify me. My id is attached and I have provided my ssn and email address! 

P.S. I also see that Equifax is disputing the wrong account. I never ask to dispute the other XXXX XXXX account.