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

XX/XX/XXXX, i received a statement for credit card that I never opened. I went to XXXX XXXX to check my credit and there was an inquiry for a credit inquiry ( and an open account ) on my credit report for a Chase- Amazon Rewards Credit Card that was not requested by me. I called Chase immediately to have it removed and it was and also contacted the FTC to submit a complaint. We also contacted XXXX to enable a 90 Fraud Alert and tried to file a report with my local police and were told to report it on an FBI website at https : //www.ic3.gov/complaint/default.aspx. A month ( TO THE DAY ) later in XX/XX/XXXX we receive a denial letter for the same card, meaning there was another  inquiry, because my Fraud Alert was ignored by Chase. So I contacted Chase and the FTC again to get the inquiry removed. There was no more activity until XX/XX/XXXX. I once again, contacted Chase. I have been placing Fraud Alerts on my credit every 90 to the day and it is n't stopping anyone at this point. I ca n't get the 7 year protection placed on my credit due to my lack of police report ( my police wo n't deal with it since it is an internet crime ). More recently, I have signed up for XXXX XXXX and they are helping me contact chase every time in order to remove the credit inquires. Since XX/XX/XXXX There have been XXXX more Chase Amazon Reward Card inquires : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This has severely damaged my credit and made it incredibly difficult to start my life with my new wife. These fraudulant accounts and credit inquiries have made it difficult for me to financie my home and my new car.
Product: Credit card or prepaid card

i received a letter in the mail today XX/XX/XXXX for a denial of a recent credit card application made on XX/XX/XXXX at forever21 that i did not do.
Product: Debt collection

Midland credit management put an alleged debt XXXX XXXX XXXX on all three credits reporting agencies it's a violation of my consumer privacy and I didn't authorize this company to have or share my highly sensitive information and I would like them removed immediately
Product: Checking or savings account

On XX/XX/2018 I opened a Checking Acct. with Wells Fargo Bank for the Advertising by SAME a {$200.00} BONUS to be PAID after 60 DAYs, I HAVE IN MY POSSESSION a VALID CONTRACT for SAME and WELLs FARGO is REFUSING to HONOR the CONTRACT, FALSE ADD, SCAMMING the PUBLIC, SCREWING the CUSTOMER, now 6 Mos. LATER they ARE STILL REVIEWING and RENEGING their CONTRACT, RIP OFF, USERY ... ... ... ...
Product: Credit card

Since I've had this card with Capital One Quicksilver, I have always made multiple daily purchases and multiple monthly payments. 3 weeks ago, I found that I had no availability to use the card and I called the company, and they insisted that because I make frequent payments, they needed me to get on the phone with them while they spoke to my bank to verify that I am the owner of my own bank account. Once this was done, they opened my credit back up to me. Since that time, I have not changed my spending patterns and I continue to make frequent payments. On the XXXX of XXXX, I made a payment of {$3200.00} on my account and since that time, my purchases have been denied due to " no credit available ''. My balance is only 1/3 of my credit limit. I called and spoke with " XXXX '' who said that my payment of XX/XX/XXXX ( it posted on the XXXX and went through my bank on the XXXX ) was " on-hold '' until XX/XX/XXXX, because Capital One wanted to be sure that my payment was good and not returned to them. I stated that this was absurd because my payments have never been returned and asked him why all of a sudden, they would do this. he was unable to provide me with any information and I asked to speak with his supervisor. He connected me to " XXXX '' who stated she was a supervisor and I asked there the same question. She stated that Capital One sometimes does this when there is a change in spending patterns or payments. I stated that she could look at my account and see that there had been no such changes. She then said, that sometimes Capital One would place an account on hold just to be sure the payment is not returned. She then said in the future, I should make sure that my payments are good and that I am not late with my payments. I said again, that is outrageous since I've never had a late payment with them, nor have I ever had a payment returned to them. She said that " honestly, Capital One will do this for multiple reasons, but we don't have access to these reasons. '' I said fine, then connect me with the person who does have access. She said I can't do that. I said you must be able to connect me with the person/department that makes these decisions. She said, no, these decisions are made in the back office and there is no way to contact them. She then continued to read from a script and would not stop talking from this script about how federal law allows Capital One to put holds on accounts. I tried to talk over her, but she would not stop reading from her script, to say that I understand they are allowed to do it. However, they are NOT allowed to avoid giving me a specific reason. Truthfully, I don't need this credit card. It is the principle of the matter- you can not do something that can harm my credit or good standing with no specific explanation. Can you please help me??? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I noticed on my Experian Account that XXXX XXXX had sent in a report for 60 days late and when checking the amount the charged by checking on the phone on the amount vs the late fee exceeded federal limits. I personally do not have a XXXX XXXX XXXX credit card, but my wife does and it is not a joint account. I discussed this with my wife and she has not used this card in XXXX at all. In direct violation and prohibited by the Consumer Protection Credit Act. XXXX sent no statements and made no phone calls. The made no attempt to notify of any amount owed. Nor did they send emails or communications simply placed it as late on the credit report for charges we never made. In putting dispute information in the is insufficient space to list all the details. We contacted XXXX XXXX who has been fined billions of dollars for illegal credit practices in the last few years and investigated by numerous state and federal officials. CFR section XXXX lists these practices as direct violations of federal law. We contacted XXXX and filed a fraud complaint on unauthorize used of the card on XXXX. On XX/XX/XXXX we paid the charged balance and XXXX waived the late fees and found the amount was about XXXX dollars charged. My wife, whose credit report shows contact, address and phone number information that does not belong to her and never did whose name is XXXX XXXX XXXX of birth XX/XX/XXXX Address XXXX XXXX XXXX, XXXX, California XXXX. Phone number ( XXXX ) XXXX showed someone elses information completely on her credit report. On XX/XX/XXXX we paid the amount to avoid any more negative reports on our credit report, and it should never have been placed on mine as the account is not joint, we then as someone else is using the account cancelled the credit line. We have prohibited all our employees, and our purchasing agent from purchasing, visiting or even going into a XXXX XXXX XXXX because although I do not have a credit card do have a pro rewards card for my business which employees 40 people. Thank you, see that these violations are properly investigated and please have the negative information removed from all three credit bureaus as the practice being followed by XXXX is prohibited under federal law.
Product: Debt collection

I am writing to express my deep concern and frustration with the way my identity theft dispute has been handled by your bureau. Despite providing clear evidence of fraudulent activity on my credit report, I have repeatedly been denied resolution. I have provided all the required documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that the accounts in question are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. This is unacceptable. I demand that you remove the following fraudulent items immediately from my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, and XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX  Balance : {$0.00}. Please understand that I take this matter very seriously, and I am prepared to take all necessary steps to protect my rights and interests. I expect you to do the same.
Product: Debt collection

On XX/XX/XXXX, I was contacted by phone regarding an alleged debt of {$1500.00}, threatening collection if not paid. Recognizing the creditor 's name, I partially believed the claim, but to ensure accuracy, I promptly sent a verification letter on XX/XX/XXXX, seeking clarification. Regrettably, I did not document the dispatch of this letter. However, I meticulously recorded a subsequent letter sent on XX/XX/XXXX, adhering to FCRA regulations, requesting specific verification details. Despite this, no response was received. It wasn't until my credit was impacted that I discovered the actual amount owed was {$800.00} less than claimed. Had I been aware of this discrepancy earlier, I would have been able to rectify the situation promptly. Given the lack of proper verification and the discrepancy in the amount owed, I urge the removal of this collection from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX account on my credit report that says " charge off ''. The problem is, that before it was charged off I tried to see how I got this account ( I did not open it ) and I tried to pay it off to resolve the issue, but they could never find my information in the system to allow me to pay it off. Whenever I call up there to remedy this and pay it off so it comes off my credit report they can not find the account and Im unable to pay it.
Product: Checking or savings account

They bank took over access to my funds and asked me to provide proof for the source of funds. My new deposits did not show up in my account causing confusion and my account is still frozen after promptly providing the requested documents.
Product: Debt collection

Hello I hope you guys can help because I dont know what to do at this point. Ive been reviewing my credit lately and notice an account listed from Mariner Finance acct # XXXX. I was startled because I truly dont recall have any account with this company. So I submitted a letter which Ive attached by certified mail and notarized. When entering in my certified mail receipt # XXXX the letter arrived XXXX I also submitted a return receipt which the company altered and replaced with their own label ( this is truly scary ) So to my surprise I received a letter from the company with a representatives signature saying the information reporting to the credit bureau is accurate. I never disputed inaccuracies or info on credit. I asked for VALIDATION. Which the company failed to produce. This is not consent to give the company a XXXX for reinvestigation. The purpose of the complaint is to ensure the company deletes this account for failure to validate the account with documents. Ive attached all correspondence between me and the company please help me.
Product: Student loan

I submitted my application for school misconduct discharge for my private loans and was denied for all XXXX of my loans. I tried to ask what information was needed and they will not share, they will not even tell me why my application was denied. They will not share any information with me saying it is private and they're not allowed to share the process or denial information to me. My federal loans have already been forgive due to my schools misconduct and I have several supporting documents that show the misconduct by my school to get forgiveness for my private loans as well.
Product: Payday loan, title loan, or personal loan

I am being bombarded and harassed about a payday loan from a company called : TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX USA tel : XXXX TrueAccord is a collection agency. We're reaching out to collect your outstanding balance of {$990.00} with XXXX  XXXX. You can pay or sign up for a plan through our convenient website. 

I NEVER requested any loan in XX/XX/XXXX! Or that entire year! 

The thing is, I dont recognize this company at all. I know that I applied for an emergency payday loan when our family was in dire trouble back at the end of XXXX. Around XXXX? I paid a company back IN FULL. Now this other payday loan company is just begging me to set up a payment plan for XXXX. I dont know this company, have no records of them and after XXXX  XXXX  got us sick and destroyed our XXXX, my family is barely getting by as it is. Now these folks show up harassing us for money non-stop is not helping things, much less we dont know who they are! Thats a lot more money too. We have XXXX little XXXX with XXXX and are barely surviving and these people are attacking us. Who are they and why did they show up suddenly blowing up our phone and emails. They are stalking my family. Maybe others know whats going on here or you can help? Thanks for everything you all do!
Product: Debt collection

XXXX and XXXX of XXXX  were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical XXXX  drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a XXXX  XXXX XXXX XXXX  account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADXXXX COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX : INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX Bank supplied to XXXX, XXXX, and Transunion. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with XXXX Bank ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that XXXX Bank have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to XXXX Bank to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.
Product: Checking or savings account

on XX/XX/year> I logged into my bank account with Capital One to notice that my direct deposit pay is missing and has not been processed or posted to my account. I have call Capital One several times, only to be mislead and lied to. They said there is some type of outage and it should be fixed today. That has not happened, and I have payments bouncing and I have no money in my account due to my paycheck deposit not posting to my account. I called again, and the rep stated they do not know when this will be fixed at all.
Product: Debt collection

XX/XX/2022 The Cash store calls me at XXXX MST - Missed call The Cash store calls me at XXXX XXXX - Spoke to XXXX where she gave me a courtesy call to remind me that the first payment of my installment loan was due on XXXX. I advised her I'd be in afternoon of XXXX to make the payment. 

XX/XX/2022 The Cash store calls me at XXXX XXXX - Spoke to XXXX where she again reminded me of payment and asking when I'd be in. I again advised her I'd be in later in the afternoon. 

The Cash store calls me at XXXX MST - Spoke to XXXX AGAIN, where she asked, again, when I'd be in to make the payment. I advised her after XXXX. 

I arrived around XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX and paid my installment loan where XXXX asked me, " So who's your new employer? '' I asked her what she was referring to and she responded that she had called my job and they advised her that I no longer worked there. I had been laid off on Wednesday XXXX. 

She called XXXX times over the course of a XXXX hour period where I had actually spoken to her on the 2nd call. I asked her about this and she insisted that they were all courtesy calls ; which of course, after the 1st contact, is no longer a courtesy and is harrassment.
Product: Credit reporting

I had disputed XXXX and XXXX with Equifax in XXXX 2014 and they proceeded to delete due to inaccurate information and improper reporting. Yet recently I have found these XXXX accounts on my file again. These accounts are outdated, inaccurate, contain incorrect dates and status ' and are not reporting correct payment history. They have no place being on my file if they refuse to conduct a proper investigation to correct them. I asked Equifax for proof of investigation and their results and paperwork regarding how they verified these and allowed them remain on my report and yet I have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove them if they can not honor my request to correct them and show me how they verified them and allowed them to be reported to my file. they are inaccurate and they are affecting my life very negatively!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Account number XXXX Balance {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXXXXXX XXXX Account number XXXX* Balance {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Product: Checking or savings account

Well I get XXXX once a month. I get from XXXX {$960.00} and from Pennsylvania State I get {$22.00}. Now I do have an over payment from XXXX that I am almost finished with it the takes out {$90.00} something for the over charge leaving what comes into my bank account {$890.00} and I had a little extra left behind I had {$890.00}. When I check my card on XX/XX/XXXX at XXXXt. I feel asleep and woke up on XX/XX/XXXX with {$250.00} left on my balance making that someone has taking {$600.00} bucks or more from my account. I called the bank immediately on XX/XX/XXXX PNC Bank let them know hey I woke up with {$250.00} and {$600.00} and better is pending to go out but already was taking from my account. The charge 's included XXXX ) XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX. 
XXXX ) XXXX XXXX XXXX  = - {$34.00} XX/XX/XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX = - {$210.00} XX/XX/XXXX Those were the charges I didn't authorize. 
Now I called on XX/XX/XXXX got all my money back and also told them to close the debit card that's been compromised. They did but after the XXXX XXXX XXXX charges came back went into my card ending in XXXX Now leaving me broke again then I called the bank it's not so easy to get my money back cause now it got posted they asked me the million questions if I authorize this did I give my card and pin to people no I didnt. I have my card on my phone in XXXXXXXX XXXX and linked with XXXX. I did get a palm reading from XXXXXXXX XXXX XXXX XXXX XXXX and I used my XXXX to pay for that XXXX. Not my bank account so I don't feel it was them but needs to be checked into because after I paid that XXXX  that's where I got hacked. Also I had my card on tictok because I got stuff out of their XXXX XXXX I took off any info on XXXX and deactivated my XXXX  account just in case took off my card off XXXX XXXX no longer is that XXXX card is gone from everything and anything on my phone. Well still I get the bank saying they gave me back the XXXX XXXX XXXX XXXX XXXX$100.00} With that I got another charge for XXXX XXXX equals {$230.00} or more and they took the payment I got back from XXXX XXXX {$100.00} putting me in an over drawn payment with PNC for XXXX dollars or more I am negative {$130.00} of more. Please help me get my account safe again cause I feel PNC don't know what their doing. Bless their hearts they don't know how to deal with scammers.