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

I have a secured credit card with Capital One, have had it over a year now. Have never missed a payment. I was told by a supervisor that it can be made into an unsecured card and the amount I initially put on it would be credited to the card. They are giving me the run-around on this. I asked for this change from secured to unsecured almost a month ago and they have not done anything at all! There is no dept they can transfer me to about this either! They have very bad customer service in regards to this. I want a call back from that department now.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I had disputed a XXXX XXXX account, that WAS NOT MY DEBT beginning in XX/XX/XXXX direct with XXXX, XXXX & XXXX. In addition to that, I mailed a debt validation letter direct to XXXX XXXX in XX/XX/XXXXas well. In XX/XX/XXXX I received a letter from Weltman, Weinberg & Reid., LPA . I continued to dispute this account with the credit bureaus. I also continued to send debt validation letters to XXXX XXXX, as they could not provide the documentation that I was requesting from them. This account was removed from all three credit bureaus. Confirmed & in writing, deleted. It was deleted bc they couldnt validate the debt to FCRA standards. This attorney is now claiming theyve made several attempts to contact me in a letter dated XX/XX/XXXX, which is false & a bogus claim. Had I of received anything, I wouldve been in touch immediately. Point in case the letter I received XX/XX/XXXX, I sent a detailed email to them on XX/XX/XXXX. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & again today on XX/XX/XXXX. I have NOT received a response from them. Pretty unbelievable seeing their claiming I didnt respond to letters I never even received & theyre the ones who arent responding. My credit and finances are very important to me and this attorneys office is making false claims. I would like to request the said documentation they claim to have mailed. I am demanding that this company cease trying to collect a debt that was not mine & that was legally removed for this very reason. I am baffled & alarmed @ their false claims & their failure to respond to an email sent 7 times!
Product: Checking or savings account

I am a XXXX XXXX XXXXr in the State of Virginia and Washington DC. 
I have a letter that someone opened a business banking account with XXXX XXXX XXXX XXXX. Today I received a Wells Fargo Alert that someone opened a personal account with my social security number or loan or something. 

I have not walked into Wells Fargo Bank and nor opened an account online since XXXX land closed out I had over 7 unauthorized accounts with Wells Fargo. I was on the phone with XXXX XXXX XXXX XXXX and Wells Fargo stated would not open any illegal, or unauthorized accounts. 

I received an email today - showing that an account alert from personal account and I have not used Wells Fargo in years. I am requesting an investigation in to Wells Fargo opening bank accounts for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. 


Please contacts me or XXXX or XXXX
Product: Credit card

Citibank took away XXXX points that I earned as bonus to open a credit card with them, potentially worth {$500.00}, from my rewards points account without warning, and refused to reinstate or in any way compensate when I contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX
Product: Debt or credit management

I have gave Wells Fargo all my Documents that they needed numerous times and spent so much money on faxes at XXXX. I was willing to make some arrangements so I can hold on to my home until my younger XXXX Graduates XXXX XXXX. She is a junior now. Then I would down size and look for something smaller. As, of now, I have been going through some medical problems from the accident I had with my bike a few years ago. I am trying to work from home. I have Interviews this week. I just want to save my home for a little longer so my kids are not traumatized anymore from all the family we have lost. They went through enough. Losing our family home would put a damper on us All. Please find it in your heart to help us with some assistance. I'm willing to work with you guys if you can help my family and myself stay here a little longer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I applied for the discover card XX/XX/XXXX got call from company female asking for further info she told me that I was approved XX/XX/XXXX yet? when I tried to Activate the card that had arrived on the XX/XX/XXXX I could'nt so I waited tell I could call back on a business day which was XX/XX/2023. I was shifted to three different departments only to be told some one call and deemed my info fraudulent there for cancelling my account when I tried to reapply. they claimed that they had know knowledge of my account? though I was issued a card that I can verify with the Accounts numbers. I feel that I was done terribly wrong!. This is my complaint.
Product: Debt collection

I keep getting emails from Klarna finance company stating that I owe a monthly payment of {$100.00} that is past due. I have called them several times, sent several emails stating that I do not owe them any payments. The merchandise were returned. They keep sending me these emails. I want this to stop.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5100.00} XXXX # XXXX XX/XX/XXXX -- {$320.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit card

I wrote in to request that Barclays/AAdvantage Aviator Red Mastercard reach back out to the credit bureaus to notify them that the recent 30 days past due status of my account was reported in error for 4 main reasons : First, the initial charge was made by XXXX of {$17.00} using this card as a backup to my primary card. In conversations on XX/XX/, a representative of AA  related to the XXXX charge told me that there was some sort of error processing this charge to my primary card, so the charge went through my XXXX XXXX to charge this card because it was somehow associated with the business ecosystem of the card. They informed me that they do not know what the error with my XXXX card ( my primary card ) was and can not explain, but they are happy to move the charge over to that card. I explained to them that the damage had already been done and that this had caused a very grave impact to my credit score. They told me to let them know how they could help. Please let me know if you would be willing to speak with XXXX XXXX. 

Second, because I was unaware of the charge being made to this card, I didnt make any attempts to pay the amount, but as a backup measure, I felt assured that my auto-pay function would pay off any charges that did happen to hit my account including perhaps random fees or errors. In my initial conversation with representatives about this issue, I was told that they could not figure out when I called in to set up my auto-pay because they could only see an online payment for my first card payment. I went through my phone records and found what I believe to be the call where I set up autopay on XX/XX/XXXX 

Third, given that autopay was either not completely set up or not set up at all, no payment was made. Over the next 30 days, I do not believe any attempts were made to contact me. In my phone records which I sent them, one can clearly see there are no calls made from the number I was told by the Barclays agent that I would have received a call from ( number here ). Furthermore, I was also told that my e-mail address had been mistyped by Barclays representatives as XXXX instead of the correct XXXX, so any email notification that was sent was ultimately sent to the wrong address. I did previously receive many marketing emails to the correct email address as late as XX/XX/ and now that my email address has been corrected, I am again receiving updates, but for the critical period in question, I received no account-related updates. 

Had these errors not been made OR had a notification been sent to my phone or any kind of text message, I would have known the charge had been made and not paid. 

Fourth, upon finding out that this money was unpaid through a flag in a credit monitoring app ( XXXX XXXX ), I paid it within 3 minutes, hoping that both Barclays and the credit bureaus could see that this was all related to errors as opposed to non-payment, however apparently I was too late.
Product: Money transfer, virtual currency, or money service

Today is XX/XX/XXXX. I submitted a wire transfer XX/XX/XXXX in the morning expecting a wire to send the same day. It did not send. It was reviewed and in processing on XX/XX/XXXX. I spoke to a supervisor, and they promised it would send that day. It did not. Then Wednesday passed, and it still has not sent. I spoke to another supervisor, and they could neither tell me when it would process, why it had not processed, nor any option to cancel the wire, the money for which they have already removed from my account. So, we are now on day XXXX of the wire transfer, and they will provide no answers.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the multiple unsuccessful attempts to correct the late open status and remove the charge-off account from my credit report. Despite numerous requests and providing extensive documentation to support my claims, the erroneous information persists on my credit report, causing significant harm to my financial standing and reputation. 

I first reported the inaccuracies in my credit report and have since made several subsequent attempts to rectify the situation. However, despite my efforts and the submission of supporting evidence, including [ list any supporting documents, such as payment receipts, correspondence with the creditor, the late open and charge-off accountS continue to tarnish my credit history. 

The presence of these inaccuracies not only undermines my financial credibility but also affects my ability to access credit and financial services on fair terms. Moreover, the repeated failure to address my dispute suggests a systemic failure within your organization to handle consumer complaints effectively and efficiently. 

I urge you to take immediate action to correct the inaccuracies in my credit report and remove the late open and charge-off account without further delay. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Rectify the late open status and remove the charge-off account from my credit report promptly. 
Provide me with written confirmation once the inaccuracies have been corrected. 
Implement measures to prevent similar errors from occurring in the future and improve the dispute resolution process to ensure timely and accurate resolution of consumer disputes. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests under the Fair Credit Reporting Act. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4500.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a federally protected consumer. I sent letters excising my rights on XX/XX/2021 and is now over 30days with no response. Pursuant to 15 usc 1681b any reporting agency ( XXXX, Transunion and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT AND THIS IS A DIRECT VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through Credit Karma, XXXX, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Date. XXXX XXXX XXXX XXXX XXXXXXXX. Date. XXXX All three bureaus were to put freeze on my account to where I dont have to worry about things like this. XXXX was only one show importance and respect wishes ask to avoid these things
Product: Debt collection

Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from XXXX XXXX XXXX did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to access my account with Equifax to be able to unfreeze and re-freeze my credit information through their website ( https : //my.equifax.com/membercenter/ # /login ) and I keep getting this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after XXXX incorrect attempts. '' I was a victim of identity fraud and that is the reason I placed a credit freeze with all three major credit bureaus, but I'm currently shopping to refinance my mortgage and need the ability to quickly unfreeze and re-freeze my credit information. 

I called Equifax on XX/XX/2020 around XXXX XXXX and spoke with XXXX. She unlocked my account and asked me to reset my password, which I did. She told me to wait 24 hours before attempting to sign in with the new password. After waiting 24 hours I attempted to sign in and got the same message. I called Equifax again on XX/XX/2020 around XXXX XXXX  and spoke with XXXX. I told him what had occurred and that I was still not able to sign in. He stated that he will escalate my issue and I should hear back from Equifax within a couple of weeks.That same day I also sent an email to Equifax ( XXXX ) to ensure that there was a written summary of this issue. I sent a follow-up email on XX/XX/2020 and again on XX/XX/2020. 

Today is XX/XX/2020 and I have not heard back from Equifax. My issue remains unresolved, which is causing undue stress under this COVID-19 environment. I need this issue fixed as soon as possible as I am shopping to refinance my mortgage. Your help in compelling Equifax to resolve my issue will be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want all monies from. XXXX, XXXX To be returned
Product: Money transfer, virtual currency, or money service

I deposited XXXX to my Coinbase account. There were 2 charges from Coinbase on my account that I did not make one for XXXX ID XXXX and another for XXXX ID XXXX. I emailed Coinbase about this issue, at first they emailed me back saying they are going to look into it. Then they locked my account with my XXXX in it. since they locked out my account I have missed out on many opportunities to buy and sell XXXX. I email them everyday and never get a response. I need access to my account as soon as possible this is a lot of money that I need access too. 
why ticket number is # XXXX number is what's on our emails as my ticket #.
Product: Checking or savings account

On Saturday, XX/XX/2023 I transferred {$22000.00} from my savings account to my checking account. On the same day I made out a check for {$22000.00} to XXXX XXXX XXXX XXXX XXXX dealership. 

On Friday, XX/XX/XXXX the dealership called me and told me that the check had bounced. 

I immediately called Ally customer service and the representative could not figure out why the check had bounced. She placed me on hold several times and finally dropped off of the line. 

I called again and spoke to another agent who transferred me to " loss prevention '' who performed some research and could not figure out why the check had not been honored. She recommended sending a wire which I did. I'm waiting for the wire to clear. Fee for the wire is {$20.00}. 

I would like to request CFPB to demand that Ally inform me why they did not honor my check when the funds were in the account. This has been very embarrassing. Thanks for your assistance.
Product: Debt collection

Prior to this being placed on my credit report I received no prior notification which places them in violation of FCRA and FDCPA laws respectively. 

The debt has not been validated. 
I have mailed the following letters directly to ERC for validation- 1st request for validation letter mailed XX/XX/2021 I received no response. 
Second debt validation letter was mailed XXXX Again I received no response. 

Im requesting this account be removed from all credit Bureaus immediately. 

Thanks for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX and a rental property collection has appeared on my credit report. 

This information is completely false and does not belong on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga
Product: Credit reporting or other personal consumer reports

I am writing to delete the following 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. 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 Affidavit. Please delete the items as soon as possible.