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

I have requested a full documents from Wells Fargo as it pertains to my dispute under XXXX when I received merchandise that was broken and damaged and the seller had prior knowledge of the issues and the seller still sent the merchandise out anyways. Wells Fargo has not sent any documents to me or how they opened the dispute with Visa themselves SEE ATTACHED LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Equifax to dispute all hard credit inquiries on my credit report due to fraud and the Equifax data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Product: Debt collection

I obtained an apartment in which my daughter, I and my grandaugher were living. This was during XXXX shutdown. I became ill with XXXX my daughters were there taking care of me. The neighbor next door became very hostile and confrontational when my youngest daughter began coming over and she went out of her way to cause confusion. I reported this to the office so that they were aware of the problems. The rental agent told me not to worry about it because they were moving and it would be alright. XXXX  it to say the neighbor and my daughter got into a verbal altercation and the police were called. The lady was from the XXXX and had an issue with my daughters XXXX orientation. After the police became involved, the rental agent told me if I would just surrender the apartment, forfeit my deposit and jiust move out that would be the end of the whole situation. I complied with her request and was shocked to find this Rent Reovery collection showing up on my credit report.
Product: Credit reporting or other personal consumer reports

My information was exposed 2 times in known data breaches ranging from XXXX. I have received inquiries on my credit that I do not recognize. I have received emails for companies that I have not shared my information with, these companies claim that they are a third party. In XX/XX/year> XXXX was under a cyber-attack leading to my personal information being exposed. This event led to the exposer of my personal information such as : Social Security Number, Home/ Mailing/Address and Name and Financial information. The most recent exposer came in XXXX leading to my information being compromised yet again from XXXX. I am experiencing a host of unknown accounts and unwanted emails from unfamiliar sources. 

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately. 

Accounts : XXXX XXXX XXXX- This account is being reported inaccurately. I request the removal of this item immediately. 
XXXX XXXX XXXX XXXX-The information being reported for this account is not accurate. Please remove this item from my credit report immediately XXXX XXXX XXXX- The amount being requested is not at all accurate. I am requesting that the amount they are seeking be modified or deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to freeze with Stage Stream both by mailing a letter with my drivers licence & SS card and Utility bill and the freeze with rejected by Stage Stream. I also completed there on line form and attached the same documents and the freeze was rejected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report. Specifically, I have identified XXXX accounts listed under my name that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX. I am requesting an immediate investigation into these discrepancies and the removal of these accounts from my credit report, as they are not valid.
Product: Debt collection

On XXXX XXXX, at XXXX XXXX  EST, I received a call from I.Q. Data International stating that they received a call to verify if a debt was collected in full. I was given the opportunity to pay a lesser amount and I declined. Once declined, I was told that I would not be able to move so it was best that I pay my debt and that I would not be able to receive a discounted rate again. 

When I called to come to a solution today, I was told to use my tax return to pay off the debt. Im not quite sure how these people concluded that I receive a tax return. I do not. 

I felt like those choice words were used to insinuate that Im a person of XXXX and the only reason I was calling was because I received an income tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please UPDATE and CORRECT the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay Staples  with a Citibank N.A. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a Citibank credit card or had an account with Staples. 

XXXX XXXX XXXX wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.
Product: Debt collection

I have been called Incessantly by Citi-Financial and its subsidiaries for Years ( since 2010 ), they have called my Mother, Grandmother and Step-Father and discussed amounts and debt type with them. This is unethical and Embarrassing. I have spoken to others that have had the same thing happen to them.
Product: Money transfer, virtual currency, or money service

My complaint is with PAYPAL , INC., NMLS # XXXX, LICENSE # XXXX I requested PayPal to permanently CLOSED my account, over 2 years ago. At that time, I communicated that PayPal was no longer authorized to transfer funds from my bank accounts and that all personal bank account routing information should be permanently deleted from my PayPal files. My request was obviously not honored. 

On XX/XX/2020, PayPal sent me a communication stating the following : " We're concerned that someone is using your PayPal account without your knowledge. Please log in to PayPal to confirm review all your recent activity. Your quick response will help restore your account. '' I consider PayPal 's decision not to close my account as requested unethical and their XX/XX/2020 communications to deceptive. 

I seek the help of CFPB to verify the following : 1- My PayPal account has been permanently closed ; 2- All my personal bank account routing information has been deleted/removed from their files ; and 3- My name has been removed from all marketing list and including third party information sharing. 

Sincerely, Don'tMessWithThis Senior
Product: Credit reporting or other personal consumer reports

Despite our previous correspondence and my continuous efforts, the issue remains unresolved. As I have previously highlighted, the presence of these late open accounts on my credit file is causing considerable distress and negatively affecting my financial standing. Immediate action is essential to rectify this situation and ensure the accuracy and integrity of my credit report. I kindly request that you escalate this matter and take all necessary steps to correct the late open accounts in my credit file. Transparent communication regarding the progress and the measures being taken to address this issue would be greatly appreciated. Therefore, I seek your assistance in correcting these accounts in my credit file : XXXX XXXX Balance : {$340.00} ; XXXX XXXX Balance : {$15000.00}
Product: Credit card or prepaid card

On XX/XX/22, I applied and was approved for a Wayfair Mastercard. I made a purchase totaling {$370.00}. It contained 2 items, a bed for {$340.00} and a protection plan for {$37.00}. When I went to make the purchase, the system said the purchase of {$370.00} was eligible for a 6 month promotion ( no interest if paid in full by 6 months ). I spoke to customer service at the credit card ( Citibank ) that night to be sure, and was told that was correct, but that I needed to call them when the items shipped to have the promotion applied. I called them today ( XX/XX/22 ) and was told by XXXX that only the {$340.00} can be put on the promotion because that was the full balance on my account. I told her the full balance is {$370.00}, but she said I was wrong. I hung up and double checked with Wayfair, and they confirmed that my order is for 2 items totaling {$370.00} ( which I also confirmed on my receipt ). I called Citibank back and spoke to XXXX. XXXX spoke to her supervisor and was told they can not put the other {$37.00} on the promotion because the amount is not over {$200.00}. They are looking at it by EACH item, not the full order, which is what they are offering/advertising. This is a fraudulent offer. I tried again, just to see, to go in and purchase several items, all around {$50.00} and under, which totaled over {$200.00}, and again it said I qualified for the 6 month promotion. They are advertising this, but when you make a purchase, individual items under {$200.00} are not put on the promotion. I would like this looked into as they are advertising something they are not doing. I have attached a copy of my receipt. Please let me know if you need any other information you need. Thank you.
Product: Checking or savings account

I lost my wallet on XX/XX/16 and called when I noticed XXXX XXXX XXXX XXXX charges on my account I filed the disputed capital one tells me my claims are denied because they didnt find an error but they werent mine they didnt come to my home I dont have this accounts and capital one refuses to get my money back
Product: Debt collection

This debt was settled in XXXX of 2017 and is still shown on my XXXX not paid. The company XXXX XXXX has removed it from XXXX but not XXXX
Product: Credit reporting or other personal consumer reports

You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

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

XXXX XXXX  Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay but a notice to request validation.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe. Be advised that I am not requesting a verification ; I am requesting a validation ; that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address On File of Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was put in XXXX for XXXX XXXX and wife was forced to modify the mortgage due to no income and the threatening foreclosure where the mortgage company charged the mortgage from 4 % fixed rate to adjustable rate and put XXXX on back side of loan now paying XXXX % interest they refused to do modification to put back fixed rate because of being late on payments even though they caused my mortgage to double making it difficult to pay on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Agencies and failing to comply with the Federal regulation. I previously ordered a copy of my u [ dated Credit report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am urging the Credit Reporting Agencies to check the payment history, date open, last activity and Status of the Accounts ; XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}, as I believe these accounts are reporting in error.
Product: Credit card

Contacted Barclays on XX/XX/24 requesting to close the account. Was instructed to send another email requesting to close the account. " If you would like to close your account, you can request in Secure Message Message Center. Please respond with the last four digits of your account with space like XXXX XXXX XXXX XXXX that you wish to close. '' Contacted Barclays again on XX/XX/24, with the requested information. Was told that they can not close it online. Contacted them again on XX/XX/24, requesting to close it again, with no response. 

Was given clear instructions to close the account, but they refuse.
Product: Credit card

I opened up a XXXX credit card in XXXX of XXXX and request that {$6400.00} balance transfer be made to my existing card at Barclays XXXX XXXX. I saw the amount show up on my new XXXX card, but the {$6400.00} never hit my Barclays XXXX XXXX. 
When I called Barclays they gave me the number that the check sent by XXXX hit at Barclays- this account ended in " XXXX '' and this is NOT my account??? I was sent a copy of the check that was sent by XXXX for {$6400.00} to Barclays and told by XXXX to call them and request that my " XXXX be credited to " MY '' Barclay 's account thereby reducing my account by {$6400.00} at Barclays. Barclays has NOT been cooperative. So, Now I am stuck paying interest in this money on my Barclay XXXX XXXX, " AND '' paying interest on this money on my new " XXXX '' card, when in fact I never received this money at ALL!!! ... ... and noone is helping me to resolve this issue?? ...
Product: Credit reporting or other personal consumer reports

Please remove any inquiry that is on my report below listed as my identity has been compromised. The person who sole my identity has been arrested and has been indicted. Here are the inqurieis. 

Experian : 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX XXXX  I went to the XXXXXXXX XXXX in XXXX, New Jersey to get gasoline. Self-service is not permitted in New Jersey ; the attendant must pump the gasoline. I handed my Comenity AAA Travel Advantage credit card to the attendant, who pumped {$27.00} worth of gasoline. After the attendant pumped the gasoline, he gave me a receipt. I neglected to notice, however, that he did not return my credit card. As this is a credit card that I use almost exclusively for gasoline, I did not notice that the credit card was missing until XX/XX/XXXX, when I next needed fuel. That day, I logged into my Comenity account and saw that on XX/XX/XXXX, an additional charge of {$24.00} had been made at that same XXXXXXXX XXXX. That {$24.00} charge was unauthorized. Additionally, on XX/XX/XXXX, three more unauthorized charges of {$46.00}, {$20.00}, and {$38.00} had been made at that same XXXXXXXX XXXX for a total of {$120.00} in unauthorized charges. I then filed a police report with the XXXX Police Department on XX/XX/XXXX, and also filed a fraud report with Comenity, where I identified the XXXX fraudulent charges. On XX/XX/XXXX, XXXX Police informed me that it had arrested the attendant ( XXXX XXXX ) ( XXXX XXXX XXXX ) for theft of credit cards and theft by deception. XXXX XXXX is due in court in XX/XX/XXXX. I informed Comenity 's fraud department of these developments. 

Although Comenity originally removed the four fraudulent charges, it re-inserted them on XX/XX/XXXX, as I discovered on XX/XX/XXXX. On XX/XX/XXXX, I spoke at length to Comenity 's fraud department, who told me that although it would investigate further, such investigation would take at least 2-3 weeks, and the fraudulent charges would remain on my account in the meantime. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that it could not identify any evidence to support a fraud claim -- which surprised me, considering that I had previously given them the police report number, as well as the name of the person who had been arrested. 

I want the {$120.00} to be taken off of my account immediately. In view of the many conversations I have had with Comenity ( with no success yet ), I feel compelled to file this report. It appears that Comenity did no investigation before denying my fraud claim without explanation.
Product: Credit card

On XXXX XXXX, 2023, as the original creditor, private investor I extended credits to you for the applicant/principal, based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report.ii also sent a denial error notice to your indenture trustee, bank XXXX XXXX XXXX. I am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. I signed a promissory note along with a security agreement creating a negotiable instrument to extend credit to you as the borrower. As I am fully aware you did not have pre-existing credit, money, or assets as consideration to purchase the note or credit agreement from me. Im aware that Securitization is the process where promissory notes are turned into securities or bonds then sold to investors. The purpose is to provide a large supply of money to lenders for originating loans and to provide investments for bond holders. The procedure for selling of the notes is to create a situation whereby tax laws are observed, and whereby the issuing entities and the lender are protected from either entity going into bankruptcy. In order to achieve this bankruptcy remoteness numerous True Sales of the loans occur in which the loans were sold and transferred to different parties during securitization. Since the note will be securitized and given to a trust to provide a stream of income for investors, that is to say once converted into a stock/ security ( or securitized ), that act of conversion, impairs the validity and enforceability of a promissory note. It is destroyed and ceases to be a secure asset or negotiable instrument tied to any collateral or debt obligation. i am aware of all sec filing and cases open with amex. my application should be reconsidered sue to me providing a instrument and securities to you. if not approved send back my original note, All coupon notes ( securities ) are mailed to me as the investor, as I am the security holder with the right to enforce the instrument according to U.C.C. 3-604.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.