23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have notified this debt collector of the illegal actions they have been taking in regards to my installment credit sale I created on XX/XX/XXXX. This company is still falsely reporting to my consumer reports thru XXXX, XXXX and XXXX derogatory information which is hurting me in finding a new home. I have sent a debt validation letter XX/XX/XXXX, XXXX in which they failed to send the correct validation of this alleged debt. On XX/XX/XXXX after over 90 days of them still inaccurately reporting I asked for the name and address of the ORIGINAL CREDITOR and have not heard anything back yet.
Product: Credit card or prepaid card

I am filing a claim because I Placed an order with my XXXX XXXX that is issued by TD Bank. I placed a XXXX Order # XXXX, and the package was lost with XXXX, and then the box was delivered with obvious signs that my box was tampered with. XXXX is refusing to give me a refund on the order because they packaged the XXXX watch  properly. They may have packaged the item correctly, however, my watch was stolen, and what was delivered to my home was a box of paper clips. For the past three weeks, I have asked XXXX to provide me with a waiver for XXXX  or process a claim with them, and they have refused to do so. XXXX has stated that the proper protocol is for them to reimburse me, and then file a claim with them so that they are able to get their money back through XXXX. Or they are able to provide me with a waiver so that I can deal with XXXX  directly. XXXX has stated that I am not their customer. They have a contract with XXXX, and I did not pay for shipping so everything is relying on XXXX to contact them and they have refused. In the meantime, I am a customer that does not have an item that I paid for. I am not offered any protection through my XXXX  Card, and I reached out to TD Bank because they appear on my credit report. I have contacted XXXX  Several times to provide a waiver, but the bottom line my credit card should have some type of protection, and since TD Bank has issued the credit card they should be able to look into it. I called them and they refused to talk to me saying they do not service XXXX Credit Cards anymore, however they are responsible because I got the card through TD Bank, and they are still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and was screened with multiple hard inquires that I wasn't aware of or didn't consent to. 


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

Wells Fargo card service furnished bad debt on my consumer report which is ruining my reputation and is a violation of 15 usc 1692d ( 1 )
Product: Debt collection

XXXX has ( 2 ) Credit Cards open up in my name from the same company. The company is LVNV. One total amount is {$1000.00} and the second amount is {$360.00}. 
I also have ( 10 ) Hard Inquires on my Credit Report. All of the Hard Inquires were unverified and unauthorized and I want the Hard Inquires removed. 
I have submitted a copy of my Drivers License and a Copy of my Social Security Card along with a Cover Letter stating the Hard Inquires were not authorized by me and ( 2 ) Credit Cards from the same company were open in my name. I sent my crucial documents to XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX has yet to remove these items from my account. I called today XX/XX/XXXX 3 times and was informed by the representative for me to resubmit my personal information via mail again. I sent my personal information twice to XXXX XXXX XXXX, XXXX PA XXXX. 
Now I'm feeling like one of the representatives in XXXX is using my documents.
Product: Credit card or prepaid card

I had a statement credit when I closed my account with City National Bank and I was told by the representative that this overpayment would be refunded via check. This has not occurred in over 2 months.
Product: Credit card or prepaid card

I purchased a {$100.00} XXXX gift card from XXXX XXXX stores on XX/XX/XXXX receipt saved ). 

On XX/XX/XXXX, with the card still in its original packaging, we went to use it at a XXXX XXXX. We were told that there was only {$1.00} left on the card. Since we have not used the card and the card was in its original package, we immediately went online to look into the matter. 

We found out that the gift card ( see printout ) that the card was used for 4 separate orders for XXXX purchases dated between XX/XX/XXXX and XX/XX/XXXX totaling {$98.00}. We also determined that there was a name linked to the account XXXX XXXX. This happened while the card was still in my possession in the original packaging. 

On XX/XX/XXXX, we went to file a police report with the XXXX Police, which is the city in which I live. The police report number is XXXX. If needed, I can obtain a copy of the report but, at this time, not willing to spend the {$15.00} required to obtain the report. However, I have told the police that I do want to press charges in their investigation is over. 

Also, on XX/XX/XXXX, I visited the XXXX on route XXXX in XXXX and spoke with the Manager. He stated that he never encountered any problem with any gift card sold from the XXXX store and, since these was a third party gift, there was nothing he can do. 

I called the toll-free number on the gift card and they said that I needed to fax a letter and corresponding documents to Lost/Stolen Card Request. I faxed on XX/XX/XXXX and XXXX. The credit card customer service person told me that they would have an answer by XX/XX/XXXX. On XX/XX/XXXX I called and they said that there was no movement on my case. 

I am confused as to how this happened. I could see if I lost the card or gave it to someone, but the card, in its ORIGINAL packaging, was in our possession the entire time after purchase. 

As of now, I am out {$100.00} ( minus the {$1.00} ) that was left on the card for the XXXX XXXX purchase and the activation fee. This will certainly not break me, but I am frustrated by the lack of progress, time spent on trying to figure out how the fraud happened, and that XXXX, the Police Department, and XXXX XXXX XXXX company has been basically unresponsive. 

I have faxed and am attaching the letter, the front and back copy of the card, receipt, activation receipt, the original packaging, and the online form in a fax. If you could help me or provide any advice, I would appreciate it.
Product: Credit reporting or other personal consumer reports

I send a letter out on XX/XX/24 I hadn't got any response back
Product: Credit card

I started off my credit journey at XXXX with capital one Quicksilver card which has a credit limit of {$300.00}, after a year I was offered the XXXX card. Ive always made payments on time and paid more than the minimum, around XXXX the autopay on my savior card would make make auto-pay payment after personally made them, I didnt know how to cancel it and I called to stop having auto pay. I rarely used my XXXX card and used it to keep it active as its my oldest card. When the autopay patent retracted on my XXXX card it over-drafted my account, which froze both of my accounts. I got emails to contact a representative to reinstate my account. I was going through a difficult time and didnt need the card, I called recently and came to learn that both my accounts have been closed, first they tell me its because I havent been using them, then they tell me its because I overdrafted then they say its because of the return payments that were made by their autopay. I didnt receive any emails or mail anoint an account closure or anything. This ruined my credit score I was standing at a XXXX now Im at a XXXX
Product: Mortgage

I was a few weeks late XXXX payment however I brought it current by XX/XX/XXXX and paid XXXX payment XX/XX/XXXX. When I called in XX/XX/XXXX to make XXXX 's payment I was told that XXXX 's payment was still due. I notified them that I had made the payment already and provided the confirmation # of which they were able to confirm and told me that payment was placed in a pending account. I asked why and was told that it was for payment plan. I told them I was not interested in a payment plan as I was making XXXX payment currently so would not need a payment plan. I was told they would request payment be applied to mortgage and person would contact me on the following XXXX  to confirm payment applied by XXXX. I called back to pnc myself on XXXX  at XXXX as I never received a phone call and was told that payment had not been applied as yet. XXXX indicated request had been made. I called XX/XX/XXXX to make XXXX mortgage payment and was advised by rep that XXXX payment still due. I told them that XXXX payment was paid on XX/XX/XXXX and provided reference #. XXXX payment is still processing. I asked why I was told XX/XX/XXXX that it was processed when XX/XX/XXXX it is still processing? XXXX indicates it was again placed in a special account for loss mitigation payment plan. I have again told rep that I do not wish to be in loss mitigation program. I again advised that I have never requested to be in this program. I received a letter in the mail indicating they are unable to approve my application for financial hardship however I never completed any of the criteria such as submitting a XXXX, pay stubs, documents with household finances, etc requested to pnc so I am unsure how I could be rejected for a application I never submitted. I have been under undue stress feeling like my home is going to be taken from me due to lack of communication. My mortgage increase over $ XXXX w/out any letter of notification and then I am having people indicating they have attempted to call me as well to notify me of this program. I have every phone message in my phone since XXXX and I don't have any message from this single point of contact XXXX. I have attempted to contact her and she never answers her phone. I have talked to multiple people in the loss mitigation department and the last person filed a complaint on my behalf. I spoke w/someone named XXXX on XX/XX/XXXX in customer service who indicated she would be looking into my issues. It would seem to me if you are dealing with someone's home you would do better than calling you would send a certified letter as people change their numbers or the caller may be leaving a message on the wrong voicemail. I don't have my name on my voicemail so how are they certain they did not provide my sensitive information to some unknown person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX**** Balance : {$360.00} XXXX XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX*** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX**** Balance : {$1800.00} 8. US DEPT ED XXXX*** Balance : {$3100.00} 9. US DEPT ED XXXX**** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX**** Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX**** Balance : {$360.00} XXXX XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX**** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX**** Balance : {$1800.00} 8. US DEPT ED XXXX**** Balance : {$3100.00} 9. US DEPT ED XXXX**** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX*** Balance : {$1700.00} TRANSUNION : 1. XXXX XXXX XXXX**** Balance : {$360.00} 2. XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX**** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX*** Balance : {$1800.00} 8. US DEPT ED XXXX*** Balance : {$3100.00} 9. US DEPT ED XXXX*** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX**** Balance : {$1700.00}
Product: Checking or savings account

Dear Chase Fraud Department, I hope this message finds you well. I am writing to formally report and express my deep concern regarding a fraudulent transaction that occurred on XX/XX/year>, at XXXX XXXX, resulting in the unauthorized withdrawal of {$4900.00} from my account. 
Upon initially reporting the incident, I was informed that an investigation would be conducted. However, after waiting for six days and following up diligently, I was shocked to discover on XX/XX/year>, that my case had been closed without any prior communication or explanation. I was neither contacted for a follow-up nor provided with an update on the investigation. 
When I reached out for clarification, I was told that the investigation had been completed and there was no evidence suggesting that the transaction was not authorized by me. As a loyal customer, this response leaves me feeling unsupported and disillusioned. Over the years, I have trusted that my account was secure, but now, I am left questioning how such a breach occurred so easily. It is deeply concerning to think that anyone could potentially access my bank account and make unauthorized charges at will. 
During my last conversation with your representative, I requested clarification and assistance in resolving this matter. I have since taken the time to gather all necessary documentation, including my full credit report, which clearly shows that I do not own any credit card linked to the account involved in the fraudulent transaction. This evidence substantiates my claim that I bear no responsibility for the charges in question. 
In addition, I have already contacted the bank associated with the fraudulent transaction and I am awaiting their response. I respectfully request your immediate cooperation in addressing this issue and assisting me in recovering the funds that were wrongfully taken from my account. 
As a valued customer, I trust that you will take the necessary steps to resolve this matter promptly and fairly. Your attention to this issue would be greatly appreciated. 
Thank you for your time and understanding. I look forward to your swift response. 
Reference # XXXX my credit report would be added to prove that I dont have any accounts open under my name with the associated fraudulent transaction Identitytheft.gov- complain reference # XXXX
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexus furnished unverified information on my credit report without my written consent. Violating the Fair Credit Reporting Act 15 USC 1681 ( b ).
Product: Credit card

I have XXXX different Capital One Credit Cards, accounts ending in XXXX and XXXX. Capital One is reporting late payments on both of my accounts. I have disputed the late payments and asked for them to please provide me with the date the accounts became 30 days late, the date that I called them with my payment or hen th payment was withdrawn from my bank and the date the payment was credited to my account. I have sent 3 different letters to Capital One Bank in XXXX XXXX XXXX and the response I get back from them is : " We have confirmed the late payments. '' They are refusing to provide proof that the payments were indeed 30 days late and are refusing to provide me with information that I, as a consumer, am entitled to receive under the law. I have never disputed that the charges are mine nor have I stopped payment on the accounts, all I have asked is that they provide me proof that the 30 days late payments they are reporting are correct. Since they have refused to do so on several occasions, I believe that they do not have proof that the accounts were paid 30 days late. Capital One Bank is know for holding payments for a day or two if the deadline for 30 days is close. Do I admit that I have come close on those dates that they are claiming 30 days late, yes I have no problems admitting to that, but every single time I have made a payment I make sure to ask : " This will not put my account into 30 days late correct? '' And every single time I have been assured by their Customer Service Representative, " No, you 're paying within the 30 days so you will not be late ''. I feel that Capital One Bank is not being up front and honest and providing a customer with what they are required to do by law.
Product: Payday loan, title loan, or personal loan

Lend Nation XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX ( XXXX ) XXXX Account # XXXX The loan was refinanced on XX/XX/2022, in the approximate amount of {$920.00}. The loan should have been due in thirty days, but I was told it was due instead on my next pay day on the 3rd of the month. I was not given a copy of the loan agreement and there is none posted under my user profile on-line. 

I am unable to log in and make loan payments prior to the due date or on due date because the creditor manipulates on-line user account access. The creditor telephones me right after my failed attempts at logging on. I am told they prefer me to call in to make a payment. I often inquire about the change of monthly payment amounts, no on-line statements, and the balance isn't decreasing. 

XX/XX/2022, {$80.00} XX/XX/2022, {$150.00} XX/XX/2022, {$150.00} XX/XX/2022, {$180.00}
Product: Checking or savings account

I received letter from PNC Bank dated XXXX XXXX, XXXX advising me about closing my account on XXXX XXXX, XXXX. PNC reference # XXXX. 
I have been associated with PNC for approximately 30 years in good standing, checking account and recently open credit card account. 
I contacted bank at the number posted on letter and basically told letter was self explanatory which frustrated me even more. 
I have had legal problem about 3 years ago for which charges were filed but not convicted the charges were expunged and now problems are occuring. 
I maintain excellent credit rating and getting extremely frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because we According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - no account number
Product: Checking or savings account

Received an overdraft fee in the amount of {$15.00} on XX/XX/year> for an XXXX charge of XXXX. I did an instant deposit on XX/XX/year> in the amount of {$25.00} and had funds in my XXXX to cover this charge. M & T is willfully stacking transaction to do all the debits before the deposits to generate overdraft fees. Yesterday my XXXX show all the transaction from XX/XX/year> with no overdraft fees with a positive balance with all transaction processed for XX/XX/year>. This is unethical and illegal. I am requesting the {$15.00} overdraft fee to be credited back to my XXXX account.
Product: Debt collection

In XXXX of 2014 XXXX XXXX XXXX sent a return label to me after I canceled services due to moving out of their area of service in order to return the XXXX ' television receiver boxes to them. I took this label to the XXXX nearest my home and sent the boxes back to them. It was about 6 months later and I received a collection notice from a third party agency stating that I did not return the boxes and they are collecting the debt. I did not have the confirmation receipt when I gave them to XXXX in order to prove the return, because it was several months later and I did not know that I would need to have kept it. XXXX XXXX XXXX can look up the labels they printed me and research the boxes that I shipped back, but I only got the run around when I called in order for them to help correct this issue. It is now on my credit as an outstanding collection of {$350.00} from an agency called Franklin Collection SV. This has been transferred several times to different collection agencies after I have called each time to dispute it. They just transfer it to someone else rather then help get it proven and removed. Please help me get to the bottom of this. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.
Product: Credit reporting or other personal consumer reports

I notice that the account that doesn't belong to me is still in my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in several data breaches. Under the FCRA I am able to dispute unfair practices and correct inaccuracies related to my credit report. My credit report was exposed in my place of employment through XXXX in XXXX XXXX and also through Experian.