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

Those accounts arent mine, Never authorized or used by me please Remove these Inquiries of my report. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am continually getting automated calls asking for a person by the name of XXXX XXXX. She does not live/work here and they call numerous times a day with no way to stop the calling.
Product: Debt collection

" Credence Resource Management '' has called my cell phone 47 TIMES since XX/XX/XXXX. It is always an XXXX person trying to collect a debt from me. I have never heard of these people and I am extremely irate. They called me this morning at XXXX XXXX   while I was getting ready for work, and I told the man, " You need to stop calling this phone number. I will report you to the federal government if you do not stop calling me. '' I hung up before he could respond. They called again on the same day at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX, XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX   and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Do you see how annoying this is?
Product: Money transfer, virtual currency, or money service

My PayPal account XXXX was limited about 180 days ago. I got a message stating my funds are eligible for withdrawal, upon trying to withdraw I was met with a message stating " sorry there's a problem '' and also " sorry we can't complete transfer right now try again in a minute or two ''. Upon that message I reached out to CFPB and my attorney general office. I got a response from CFPB PayPal response stating that the issue was with the account linked to the PayPal account that they will proceed to remove the account and I can link another account to proceed with the withdrawal. Upon linking the account, I'm still getting the same error message.
Product: Credit reporting or other personal consumer reports

I made my installment payment on my credits before XXXX before the timeframe my most credit score is dated. I disputed 3 times with document and they do not want to fix the error in real time. 

Transunion and XXXX is not report all my lines of credit.
Product: Checking or savings account

I requested my Citibank checking/savings account closed ~May of XXXX. Since that time, I have communicated with citibank almost monthly ( and ~ bi-weekly since XXXX XXXX ) regarding my missing funds ( ~ {$1600.00} XXXX which were to have been returned to me back in XXXX. 
Every time I call I have to try several options to get an agent, since I never received my account paperwork and thus do not have an account number. I do however provide my SS # which their auto system does not recognize, but when I finally get a service agent & they do some research, they indeed find my account. After long holds, repeating my story, etc. they agree to look into the matter further/get my refund mailed and state they will call me ; they never have. Additionally, when I call they have problems finding any records or notes from previous calls ( possibly due to being overseas? ). This is very frustrating and results in long explanations, holds, etc. Apparently Citibank service center in XXXX XXXX, TX processes these refunds and I have even offered to drive there to retrieve my check. Each time however, my call ends with them promising to put in a ticket to the " back office, '' and escalate my matter to no avail. A few times they have said " check is on the way, '' but never has been. 

Background : I had opened this account online prior to a XXXX and initially funded the account with the ~ {$1600.00}. I never received the hard copy bank documents as I was out of the country when they were sent. Citi says they sent them and tried again, but the friends we had staying in the house said nothing ever arrived. I then gave Citi a forwarding address to which I later was told ( in Fall XXXX XXXX that i had to submit an official letter stating that they could send the check from the closure to the new address. I faxed to the number they provided and Citi stated they never received, however I also mailed it. After a few attempts they confirmed they received the mailed copy. That was approximately XX/XX/XXXX. Since that time they said all was good to go, and it will take 10-15 business days for the check to arrive. I even received an " updated address '' letter from Citi at the new address. Yet, after each call, I wait and the deadline passes ; I go through the same rigamarole again/call and they either have stated there was a glitch, or it was input wrong by an agent ... and once again, they will escalate to " the right department. '' This last time, XX/XX/XXXX, they promised once again they would " personally '' call me back. And of course, again, no call, no check. I have spent hours of my life dealing with this fumbled closure and disregard.
Product: Debt collection

According to FCRA XXXX  account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a form 4506-c from discover on XX/XX/XXXX. After I realized that it was not a spam email and was in fact from discover, I filled out this form and submitted to discover on XX/XX/XXXX. I was taken to a confirmation page, but received no confirmation email. I expected to receive a response, but no response was received from discover. On XX/XX/XXXX discover closed my credit account with them. I sent an email regarding this erroneous account closure on XX/XX/XXXX. They called back saying there was nothing they can do to reopen the account. I have tried to resolve the issue by calling into the discover executive office on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and providing proof of income or paystubs to verify my income due to the technical issue with XXXX  not receiving my 4506-c form, but I keep getting vague or inaccurate answers on the next steps to take to dispute this error. On XX/XX/XXXX I spoke with an agent that informed me she would be asking a supervisor to reach out in 24-48 hours, but that most likely the account will remain closed as I never received a confirmation email from XXXX.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check in the amount of {$5200.00} ; I asked when the check will clear and was told by the teller funds would be available on XX/XX/XXXX @ XXXX. I received an email on XX/XX/XXXX stating that funds wouldn't be available until XX/XX/XXXX. I called customer service ( 3 ) times requesting the hold on the funds be released ; the first person responded with a wise statement, " maybe you should use direct deposit next time. '' The next representative made a XXXX available for me ; he refused to release the funds due to the clearinghouse needing more time. He also insinuated that the check might have been tampered with, and/or activity in my checking account was usual as reasons why the funds were on hold.
Product: Credit reporting or other personal consumer reports

Subject : Human trafficking victim, Identity Theft and Fraud Victim Notice and Request for Removal of Fraudulent Accounts Dear XXXX, XXXX, and TransUnion, I am writing to formally notify your offices that I am a victim of identity theft and fraud, and I am also a survivor of XXXX XXXX Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. 


To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. 

This fraudulent activity occurred outside of my control as I was a victim of human trafficking, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. 

I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports. If additional information or documentation is required, please contact me at XXXX or XXXX I appreciate your urgent attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : {$340.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX XXXX : {$780.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX : {$670.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX XXXX Balance Owed : {$620.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One N.A. regarding the closure of my accounts ending in XXXX ( Savor One credit card ) and XXXX ( Walmart credit card ). I believe that the bank 's decision to close my accounts was unreasonable and unjustified, as it was based on the assumption that the account activity was not consistent with personal, family, or household purposes. I assure you that both of my accounts were solely used for family and household purchases, ranging from groceries and streaming services to restaurants. 

In their letter dated XX/XX/2022, Capital One cited their concerns about my account usage as the reason for closing my accounts. However, I admit that there was an incident involving a fraudulent transaction due to my mistake of using a sketchy website ( s ), which led to my card being compromised. The bank conducted an investigation, and the resolution was in my favor, indicating that it was not considered first-party fraud. 

If Capital One believed that the fraudulent activity was indeed first-party, I should have been provided with the evidence they found and given an opportunity to defend myself. I would have submitted my hospitalization records from XX/XX/XXXX to XX/XX/XXXX, which show that I was recovering from a XXXX during that time, proving that I was not involved in any fraudulent activity. 

In light of the above, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in having my accounts with Capital One N.A. reinstated. I also request that all evidence used in the decision to close my accounts be included in the result letter, as I believe that I am entitled to transparency and a fair assessment of my accounts, considering the circumstances and the lack of evidence supporting their claim. 

I have attached copies of relevant correspondence and documentation to support my complaint, including the letter from Capital One, and transaction history demonstrating the account usage for personal, family, and household purposes. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this issue.
Product: Mortgage

Nation Star has yet to properly respond to our past inquiries. We have tried to reach out to Nation Star over the past year. They refuse to speak to us. We want a legal and valid reason as to why they would lower our credit limit on our fixed conventional loan, with out our knowledge or consent to do so.
Product: Debt collection

The debt is not mine. Im not sure if this company and I never borrowed anything involving this company.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Consumer Social Security Number : ( private SSN ) Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX and XXXX has corrected this account information and Equifax has not. Please correct the balance of the account to XXXX ... I have been trying to correct the same issue for 2 months. WHY???? 

There is no investigaiton happening wtih this account and Equifax will held liable as they interferring with my ability to purchase a house. You held resposible for ALL DAMAGES and legal fees if this is not corrected ASAP!
Product: Debt collection

This complaint is for Aldous and Associates P.L.L.C. ( a debt collector ). This is a retaliatory response to the agency regarding their response to my refusal to pay request via CFPB complaint number XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The issue is that the company is not honoring the refusal to pay per their words as perceiving the request to stop all communication and collection activity and " refusal to pay '' as a " formal dispute ''. My request is not being honored by this collection agency which triggers clear violations under the Fair Debt Collection Practices Act section 1692c ( c ). Not only does their insistence to do their own thing break the rules under the strict liability of the FDCPA, but this matter has caused me mental anguish for the blatant disregard of my request despite knowing their responsibilities. There disregard is now viewed as 'willful noncompliance '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on Select Portfolio Servicing in XXXX of XXXX because I was not receiving my monthly statements on time. In XXXX I received my monthly statement on XX/XX/XXXX and in XXXX I received my monthly statement on XX/XX/XXXX. I called and complained, I did finally receive copies, but the font size was so small it was unreadable. After I filled a complaint my credit score went down 76 points. I did not choose Select Portfolio Servicing Inc., XXXX XXXX sold my loan to Select Portfolio Servicing. The complaints I have have read on this company is a tell, tell sign of what I am experiencing. When I called in XXXX a customer service rep. told me that XXXX XXXX owns my loan. I have not been able to confirm that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Complaint to the Consumer Financial Protection Bureau Subject : Unauthorized Collection Practices by National Credit Systems Description : On XX/XX/year>, I became aware that National Credit Systems, a third-party debt collector, was pursuing collection of a disputed debt amounting to {$10000.00}. This debt allegedly originates from XXXX XXXX regarding charges from my prior tenancy. 

National Credit Systems appears to have purchased or otherwise acquired my personal and financial information without my authorization to pursue this debt. I dispute the validity of the debt and have requested validation under the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, National Credit Systems has failed to provide adequate validation, including proof of their right to collect, a complete account history, and an itemized breakdown of charges. 

Additionally, I believe that the acquisition and use of my personal information by National Credit Systems may violate my rights under 15 U.S.C. 604 ( a ). This section governs permissible purposes for accessing and sharing consumer information. I have reason to believe that my information was obtained and used inappropriately.

Actions Taken by Me : 1. I submitted a written dispute to National Credit Systems on XX/XX/year>, requesting validation of the debt and proof of their legal right to collect. 


XXXX. I requested that National Credit Systems cease all collection activities and reporting to credit bureaus until proper validation was provided. 


XXXX. I notified the credit bureaus of my dispute and requested that the account be flagged as disputed. 



Actions by National Credit Systems : XXXX. National Credit Systems has continued to report this debt to credit bureaus despite my dispute. 


XXXX. They have not provided sufficient documentation to validate the debt or prove their compliance with the law. 


XXXX. They continue to contact me, creating undue stress and impacting my financial standing. 



Desired Resolution : XXXX. I request that National Credit Systems immediately cease all collection activities related to this debt until proper validation is provided. 


XXXX. I demand the removal of this debt from my credit reports if validation can not be adequately proven. 


XXXX. I seek assurance that my personal information will not be used or shared in violation of federal law. 



Thank you for your assistance in resolving this matter.
Product: Credit card or prepaid card

The Capital One credit card was locked when a payment was delayed in the US mail. This was due on XXXX XXXX. I made the following monthly payment which included a late charge and penalty and was due on XX/XX/XXXX. It posted to my statement on XX/XX/XXXX. Meanwhile, the previous payment posted on XX/XX/XXXX which created a CREDIT balance. 

I tried to use my card to purchase airline tickets about XX/XX/XXXX and it was turned down. I called the Capital One customer service number but didn't get the name of the service rep. he said the account was unlocked and I could proceed to use the credit card. I tried to purchase the airline tickets again and the card was again refused. At this time I used alternate means to purchase the tickets. About an hour after that I received an email from Capital One asking if the ticket purchase was an approved transaction ( not quite in those words ). Of course I replied to reject that purchase since Capital One had denied it originally and I had since completed the transaction with another credit card. Ever since the account has been locked and I have a credit balance that I can't access or use. 

After trying to use the account to purchase the tickets, Capital One said that I needed to provide a federal or state ID to help prove my identity before they could unlock the account. I provided a ND drivers license by US Mail twice. Both times I received a phone call saying they couldn't read it- it was blurry or fuzzy. The other times I called customer service, I would keep getting the same thing ; either send another hard copy or upload to them. I told them on numerous occasions I wasn't going to upload sensitive information. 

Please see the attached letter I mailed to Capital one on XXXX XXXX if I can find out how to attach it as it has some record of the numerous calls I made to Capital One.