23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

B DISCOVER FIN SVCS LACCOUNT NUMBER : XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXXPHONE : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify B DISCOVER FIN SVCS L or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : B DISCOVER FIN SVCS L or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX XXXX # XX/XX/XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft NISSAN MOTOR Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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Product: Debt collection

I am a victim of identity theft I saw this charge and tried to call XXXX but they were unable to give me and details concerning the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter before as a result of fraud. They did not accurately respond to my dispaute or send verifications that accounts belong to me
Product: Checking or savings account

I survived eartquakes and pandemic covid 19 disasters and PENFED after I tries several attempts to ask for loan consolidation of credits cards, moratorium in my payments only 4 months they make an UNAUTHORIZED TRANSACTIONS OF THE ONLY MONEY THAT I HAVE TO RESOLVE THIS MONTH, THE PROCESSED A UNAUTHORIZED PAYMENT FOR ONE OF MY CREDITS CARD OF {$100.00} ON XX/XX/2020 AND CHARGE {$10.00} AS A SERVICE FEES ON XX/XX/2020. tHE MAKE THE TRANSACTION WITHOUT MY AUTHORIZATION, i DID NOT RECEIVED ANY HELP AND TOOK THE MONEY FROM MY ACCOUNT WITHOUT MY ANUENCE WITHOUT MY AUTHORIZATION AND WITHOUT MY CONSEN. tHEY SAID THAT THEY CAN BUT i KNOW BY A LAWER XXXX XXXX THAT THEY CAN'T MAKE ANY TRANSACTION ON MY ACCOUNTS WITHOUT MY ANNUENCE WITHOUT MY CONSENT IN THE MIDDLE OF THE PANDEMIC DISASTER. tHEY STOLE MY MONEY FROMY ACCOUNT I UNDERSTOOD THAT, IT IS THE ONLY MONEY THAT I HAVE AT THIS TIME BECAUSE THE PUERTO RICO GOVERMENT TAXES IN A DISCRIMINATED WAY NOT WANT TO GAVE ME MY INCENTIVE A THEY GAVE TO EVERYBODY ELSE. I TOLD THAT THEY SHOULD RETURN MY MONEY THAT THEY CANT TAKE MY MONEY. THE aISABET WAS THE FIRST ASSOCIATE THAT ATTENT MY CALL. THEN TRANSFER TO XXXX XXXX XXXX AND THEY SENT A FORMTO FILL IN ORDER TO VIEW IF THEY WILL OR WILL NOT RETURN THAT DEPEND ON MANAGER DECISION, AND I NEED IT. i SENT A LETTER ON XXXX TO THEM ASKING HELP AND MORATORIUM AND THEY DENIED ME MY LAST PAYMENTS WERE ON XX/XX/2020. THEY SAID THE CALLED AND THEY DIDNOT CALL ME THEY ARE LIED, I DID NOT RECEIVED ANY CALL FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XXXX 2021. The HELOC was paid off with TCF bank. Huntington bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Product: Credit reporting

Unauthorized hard inquires pulled ony credit report that i did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXX of Debt : $ XXXX of Debt : XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

There was a fraudulent account opened with my information that was done online to receive cash from a place called XXXX  XXXX of South Carolina in 2015. Upon discovery on my credit it was sent to a collections which this how I found out about the account. The amount is XXXX dollars that NCB management is trying to collect. I've been disputing this account for the past three years to get it removed of my credit. 
There is no verifiable information other than stolen information. When I ask for any proof there is no proof other than it was done electronically and the money was issued then account closed.ive called the main company and explained this to them and they can not pull up any accounts by my name or last four of my social. I called the collection agency NCB Management and  explain this to them and they said they bought the account from XXXX XXXX   I asked them how are they verifying information if the actual company doesn't have any informations to go off of. This fraudulent account needs to be removed and deleted off my credit profile
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I am writing to have the following information removed from my report. I have listed all accounts and addresses that appear inaccurate and were not authorized by me 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 Commissions Identity Theft Affidavit. I URGENTLY request to Please delete the items as soon as possible.
Product: Vehicle loan or lease

FORD MOTOR CREDIT XXXX The information on this account is reporting inaccurate. This account is reporting as a " Charge Off ''. This is wrong! This account is paid and closed. The payments on my lease were paid on time. I even transitioned to a new lease with Ford Motor Credit. Correct this error or delete this account or furnish documents that you have tried to communicate with me regards to this matter. I have yet to hear a response from Ford.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from 704 to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

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

To my surprise this loan was taken out on XX/XX/2017. 2 days later my bank canceled my debit card due to it being compromised. I found out about this loan by a payment being taken out of my account. I contacted XXXX XXXX and they were not understanding that I did not take out this loan. I ended up having to close my account to stop the payments. I thought that would be the end of this. However now I see it on my credit report for {$2100.00}. I cant remember the initial amount. I think it was only for a couple XXXX dollars. Clearly my identity was stolen. I caught it early and this was the only thing they were able to get. Now its affecting my credit. I 100 % did not take out any type of payday loan. They cant even provide me a loan number or any other information regarding this loan.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Barclays for providing misleading information and failing to take timely corrective action on errors in my credit reports associated with XXXX of my accounts, ending in XXXX and XXXX. These errors were not due to any fault of mine, but rather their autopayment system issue and incorrect information provided by their customer support. 

In XXXX, I was alerted to the issue when I received an email notifying me of a late payment on my accounts. After checking, I could not find any late payment information in their web XXXX, so, I immediately contacted Barclays ' customer service using their secure messaging system to confirm the details and source of this notice. During two interactions, I was assured that the late payment notifications were the result of their system errors and that my accounts were in good standing.

However, despite these assurances, the delinquent marks still appear on my credit reports. Further attempts to engage with Barclay 's customer service have resulted in misleading information, leaving me without a clear resolution and causing significant distress due to the impact on my creditworthiness.

The inaction and misguidance from Barclay Card Services have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own, but as a result of errors and poor customer service from the financial institution. Furthermore, their customer support does not take proactive actions to correct this issue from their end. 

I am contacting the CFPB for assistance in having the incorrect delinquent marks removed from my credit reports. In addition, I would like to address the issue of misleading customer service and the failure by Barclay Card Services to rectify these errors. It is their responsibility to acknowledge these concerns arising from their incorrect information provided in their written response and to actively take steps to resolve issues that originate from their end. They should not burden the customer with time-consuming actions This issue have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own but as a result of errors and poor customer service from the financial institution. 

Enclosed, please find the printed XXXX communications records with Barclay Card Services via Barclays 's Secure Messaging system. Both are their responded information were incorrect. I am prepared to provide additional documentation as necessary. 

I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.
Product: Credit card or prepaid card

In XX/XX/XXXX I attempted to use my Capital One credit card and the transaction was declined because of " suspicious '' activity on the account, in talking to the company agent he asked me to verify my identity with by uploading my driver 's license through a link he sent to my on my phone number on record. I complied and sent the verification needed, I was told at the time the process would take several business day to verify my identity. 

On XX/XX/XXXX, I checked the status on my card only to find out that the account was still restricted, so called Capital One again and this time they sent me an email to upload personal identification documents to again verify my identity, and never got an explanation why the first verification did not suffice. 

Over the next XXXX months the same scenario kept repeating, I wait and check the status and they repeatedly ask for more documentation, at this point I had repeatedly uploaded my driver 's license, my social security card and several utility bills and always got the response when I check the status weeks later that there's still a discrepancy and I need to do the same document uploading again. The last of these document uploading emails were sent to me XX/XX/XXXX. 

I finally gave up on this process and called XXXX last time to get my reward miles transferred elsewhere after paying off the card. I was told that the account was closed and nothing could be done on it at this point. 

Capital One has harmed me in XXXX ways, first they restricted my account for an extended period of time without a good explanation or an effective process to restore the account, second they had close my account without my knowledge or consent which will negatively affect my XXXX XXXX, and finally my reward miles that I have earned through the years and kept the account in good standing have vanished with no recourse for me to get them back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that the above referenced account being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : Never Opened an account personally and never went to a branch. FALSE ACCOUNT AND FRAUD ; Inaccurate Information reported.If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records. Sincerely, XXXX XXXX
Product: Credit card

After being approved for a Capital one credit card i STILL can't update my phone number or address even after submitting what capital one said i had to in order to update phone number and address, pictures of my drivers license, social security card, selfie and current utility bill. Even though every time I submit and told have to wait up to 30 days to be reviewed only to be told something new to submit. Even though i've submitted all these things 4-5 times already but keep being told " sorry please resubmit ''! Why isn't the last 4 or 5 times enough?! Plus after submitting all these items told it takes up to 30 days to review!!! Its been well over 3 months!!!
Product: Money transfer, virtual currency, or money service

I was a victim of a paypal chargeback scam, where the client paid money for services, then did a chargeback, and Paypal didn't investigate or advocate for me nor did they provide contact info of the client 's bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen during a burglary in XX/XX/2016 at my home, while I was overseas as a student. As a result my information was fraudulently used to open a number of accounts. This has caused a significant amount of stress as these accounts are reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

Although the matter documented in the attached ( XX/XX/XXXX20 ) letter to Wells Fargo Senior Executive Vice President & Interim CEO of Consumer Lending ( XXXX XXXX XXXX XXXX was timely assigned to Wells Fargo Exec Office Case Specialist XXXX XXXX on XXXX/XXXX/20, I am yet to received the written response letter promised by same w/in " 10 business days '' from her XX/XX/XXXX20 email. 

I have now followed up w/ Ms. XXXX on 3 separate occasions ( including via telephone on XX/XX/XXXX and email on XX/XX/XXXX ), but am yet to receive the promised correspondence.
Product: Checking or savings account

I received a check for {$19000.00} for catering at a event for XXXX I deposited the check into atm XXXX due to me not able to walk in because the hours and branch was closed they put a hold on check for 4 days once check clear they put another hold and freeze in to my account same day ( XXXX ) once I went to branch to withdraw funds outta my account they also didnt send me no emails or anything letting me know my account have a freeze or anything please help get account back
Product: Debt collection

Diversified Consultants, a collection service in XXXX, FL, popped up on my credit file as a collections on XX/XX/18. The original creditor listed was XXXX XXXX XXXX for {$740.00}. I called Diversified and informed their grossly impolite agent ( XXXX somebody ) that the debt was not mine, but my daughter 's debt at her old college address. I never lived at the address, never ordered service at the address, never received an invoice for the {$740.00} from XXXX XXXX XXXX. 
I do maintain an XXXX XXXX XXXX account in good standing at my address in XXXX XXXX, FL, for the last 3 years. 
My daughter was contacted by XXXX XXXX XXXX in XX/XX/2018, regarding the balance owed, but the service dates, address listed as the service address, and amount owed were all incorrect. She requested XXXX XXXX XXXX conduct a premise research into the matter to confirm the correct address and service dates, thereby allowing XXXX XXXX XXXX to revise their statement. That was the last interaction she had with XXXX XXXX XXXX, they never contacted her again, certainly never contacted me as it was not my bill to begin with. 
Lastly, I can make a very informed observation about XXXX XXXX XXXX 's customer service and billing departments as I've consistently ( almost monthly ) had errors committed in terms of which services I'm billed for, discount programs I'm promised on the phone that don't carry forward to the invoice ... .terrible customer service and billing reps.
Product: Debt collection

XXXX has been on my report for 7 years still reporting. 

XXXXXXXX XXXX has been paid off.
Product: Credit reporting

XXXX XXXX XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX XXXX XXXX. After having XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX XXXX XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for XXXX medical services. My excellent ( check the history ) credit status should be restored immediately.