23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan

I 'm being charged 611 % interest my original loan was for XXXX I already paid over XXXX back and then some. I have been trying to contact to resolve the debt and have had no luck?
Product: Credit card or prepaid card

BARCLAY credit card asking for my marital status and if I don't reply credit will be restricted
Product: Credit reporting or other personal consumer reports

Subject : Response to Possible Finance 's Statement Regarding Alleged Loan Account Dear Possible Finance Support, I am writing in response to your communication dated XXXXXX/XX/year>, regarding the complaint I filed concerning the inaccurate reporting of an account allegedly associated with me. 

First and foremost, I have never done business with Possible Finance. I am a victim of identity theft, and this alleged loan was not taken out by me. The name associated with this loan, XXXX XXXX, '' is not my legal name. My correct legal name is XXXX XXXX XXXX, and this discrepancy has been verified by XXXX, XXXX, and XXXX, proving that the name on the account is incorrect. This further supports the claim that the reporting of this account is erroneous and violates the Fair Credit Reporting Act ( FCRA ). 

As you are aware, the FCRA requires furnishers of information to report accurate and complete information. The reporting of this account with the incorrect name and without proper validation is a direct violation of 15 U.S. Code 1681e - Compliance Procedures. In addition, you have not provided sufficient proof to verify that this account belongs to me. 

I formally request that you provide the method of verification for this alleged loan, including any bank account information or other relevant data that was used to open and disburse the loan. If you can not provide such proof, the inaccurate information must be removed from my credit reports immediately. 

Additionally, your statement regarding the FDCPA and the company not being a " debt collector '' is irrelevant to my request for debt validation under the FCRA. The obligation remains for Possible Finance to furnish only accurate and verifiable information to the credit reporting agencies. 

I expect this matter to be corrected promptly. Please provide written confirmation that this account has been removed from my credit reports, or if not, provide the method of verification used to report this account in the first place. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX i was paying down my XXXX 's credit card and did so by XXXX of XXXX. After i payed my card down to zero Comenity Bank closed my account in XXXX of XXXX without my knowledge. In XX/XX/XXXX i received a call about a balance of {$430.00} and i informed them i owe them nothing because XXXX closed my account. They did some so called investigation an said i'm responsible. How can i be responsible for a account that was closed by the vendor and my card not available to use, then they reactivated my account after XXXX months without my knowledge. I believed that to be fraudulent and immoral.
Product: Credit reporting or other personal consumer reports

I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

Citi bank credit card sent to XXXX XXXX  to my employer for a wage garnishment how my information became available I dont know citi bank says it wasnt them it just doesnt seem fair
Product: Student loan

I enrolled at XXXX XXXX XXXX and went through the financial aid department to receive funding to attend their school I started school in late XXXX and it ended up until XX/XX/XXXX I then ended up getting XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I was released I then found that I was in debt on my credit report when I called and asked why I was told that I selected the option that if I stopped going to school return the money to the lender and have me pay for it well I have never been through the whole financial aid process or receiving loans and applying for loans so I wasn't aware of what was going on also I don't understand why I was put at default can I have no idea of it in fact I was incarcerated and had no way of knowing and I was never informed that I was going to be charged the amount of money and that the money that I got the loan for was to be returned to the company if I stop going to school. I don't believe that this is lawful or Fair because I did not have a mutual understanding of the decisions made in the financial aid department of XXXX XXXX. Now I'm interested in going back to finish my XXXX  XXXX certification however my credit report in my student loan history May conflict me being able to do so. Also it is affecting my credit score in a negative manner and I need help disputing this matter. Can you please contact me as soon as possible once again this is a very urgent matter because the matter at hand is holding me back from furthering my career and building my future you can contact me anytime this is my mobile number ( XXXX ) XXXX my name is XXXX XXXX XXXX XXXX XXXX . 
If I happen to miss your call please leave me detailed message and the number I can return your call. Thanks for your time I look forward to hearing back from you soon.
Product: Debt collection

I was checking my credit report when I saw that it said I owed {$75.00} on an auto loan by KeyBank. I have never heard of this company. My auto loan was taken by XXXX and was closed in XXXX of XXXX. It is now XXXX and KeyBank has reported to creditors that I owe {$75.00} and have XXXXmissed payments. Never once have I heard of this company. Again my account was closed with XXXX and I never heard of KeyBank. When I called first they never heard of me, have no records of me. Then I call again after I gave some information and they tell me I owe fees that were waved by XXXX. Then I was told they see notes that the fees were waived and they will waive the fees as they should have been. Then I call back again because now there is a lien on my vehicle and they tell me I have to pay fees and interest. Again never heard of this bank until nowXXXX! I been closed this account and they are saying I owe this money. One : I was never contacted by XXXX  ( also I asked what is my payoff amount and I paid that in full ) .Two : I never even heard of KEYBANK until this year XXXX!! XXXX was an awful year since its when I lost my mother. Now I have to go back and relive that year because this random bank is ruining my life for {$75.00}. A bank that never even heard of.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Product: Debt collection

I am the consumer writing and there is no third party involved.National Credit Systems a debt are reporting inaccurate information to the national consumer reporting agencies to coerce payment. The FDCPA was passed to eliminate abusive, deceptive, and unfair debt collection practices. According to my records, I do not recall giving National Credit Systems a debt any prior consent to communicate with me aboutanymatter.Was I even given a choice to hold an account with National Credit Systems a debt? How do I owe National Credit Systems? How was this verified? National Credit Systems and XXXX and XXXX ignored my recent disputes and never provided sufficient evidence because this can not be verified. 
XXXX send an automated response without even investigating which violated the FCRA. Fraud is wrongful or criminal deception intended to resultin financial or personal gain. And that is exactly what National Credit Systems, XXXX, and XXXX are, a fraud.In additionto that, furnishing this alleged debt to the national reporting agencies to coerce payment violates 15 USC 1692d ( 4 ). 
XXXX was not habitable. And do I not have a right to PRIVACY? Why was I never given the option to opt out of this reporting? Why was I never given an option to opt out of an account with NCS? In other words, this sounds like account LACKS FULL DISCLOSURE, AND ADEQUATE CONSIDERATION!

I never agreed to any terms with National Credit Systems, THEY WERE FORCED ON ME. 
There was no working AC for MONTHS, water leaks, pest were NOT CONTROLLED and I refuse to pay this debt.Prove tome how this extension of credit with XXXX even became a debt with NCS. Please send a complete audit trail with accounting history evidencing added charges, and payments made since I have never even seen it.I wish to deal with this matter only in writing.NCS must cease all communications engaging any conduct to harass, oppress me in connection with collection of a debt, except by US Postal mail to inform me thatcollection activities are being stopped. In accordance with 15 USC 1692c ( c ), I refuse to pay this debt. To be clear, Communication means reporting of an alleged debt to XXXX. Communication under the FDCPA means The convenience of information regarding a debt, directly or indirectly to any person through any medium. I demand this tradeline bedeleted from all national consumer reporting agencies as it is preventing me from obtaining a car and house for myfamily. Not to mention, the mental anguish that comes with it not being able to provide for my family.I am writing to claim all rights, titles and interest on the subject matter. This will be my 3rd time attempting to rectify this matter. I would appreciate your timely response as I am falling harder and harder on already hard times. 
Warm regards, XXXX XXXX
Product: Credit card or prepaid card

Good Afternoon, On/or around XXXX of this year, I was shopping at an antique market/mall, outside due to covid restrictions. I walked through the huge mall to shop and buy items for my home. I purchased a plant ( on different card ), food/drinks ( on different card ), I purchased some socks ( I believe ) on the card in question and records on this card for sure for around $ XXXX {$40.00}. After walking the mall, I went into a XXXX pop-up tent. I was wearing XXXX clothing and my bag was XXXX, with that being said. The " employee '' i believe advised me to leave my bag at the front because it was XXXX and can't have it in their because of them assuming that it wasn't bought prior. With my clothing they gave me a piece of tape to put on my jacket, shirt and socks to identify that it was brought in. I left my bag of records and my XXXX little bag at the front in a portable truck pop-up where it had the cashier, valuable items, other customers hold and customers items. After walking the area that XXXX had ( seemed to be 4 or so tents of stuff pilled together, i had to leave because it was very humid, lot of people, masks not helping and etc. I went to the front and gave them my ticket for my items left. The bag i purchased with the credit card had my credit card in the clear record bag. Probably not the right choice, but it was done on accident. I contacted commenity bank to advise them that the card, once i noticed, was gone/stolen or lost. I received a letter in the mail sometime this week or last that said they couldn't find this was lost/stolen or fraud. I called in today, XX/XX/21 to XXXX and talked to a " XXXX '' or " XXXX '' she said her name was spelled like the drink, XXXX. I advised her what had happened, again, and she said oh this sounds real fishy! Which in my opinion, was something she shouldn't have said, but also said she will review this, but not guaranteed of an outcome. She was very rude and made it seem like i was the one who purposely lost the card with her tone and attitude on the phone. I had 2 transactions before i could cancel the card that i advised them that i didn't make. I was at the antique/vintage mall for about 3-4 hour shopping before i realized my card was lost/stolen or fell out of my plastic bag.
Product: Money transfer, virtual currency, or money service

I opened a Kids Savings Account at Capitol One. I then transferred my kid 's money from his XXXX Savings Account to the Capitol One account in the amount of {$850.00} on XX/XX/year>. 

The money was received at Capitol One and shows in my transactions on XX/XX/year>. However, on XX/XX/year>, there is a reversal on the full amount so that the money looks like it is transferred back to XXXX. 

No money arrived back at XXXX and now both bank accounts are at {$0.00}. 

I called Capitol One to discuss this transaction on XX/XX/year>. The customer representative kindly submits a claim ( XXXX ) regarding this transaction. The claim was denied on XX/XX/year> with the explanation that " You received a full credit from the merchant ''. This is not true and both of my kid 's accounts remain at zero balance.
Product: Mortgage

I was solicited for a refinance option on my existing mortgage from NewRez LLC and on XX/XX/2020 had completed the application and received acknowledgement of the initial application. To date, I am still waiting to close on this loan. I have provided all necessary documents and signatures as requested. The main purpose of this loan was to remove the PMI insurance on my current FHA loan ( note in excess of {$250000.00} equity on my current loan ), and reduce the term, ( 25 years left on current loan to 20 on the proposed loan ) and finally lowering the percentage. I received a note that there could be delays due to heavy volume but given this loan is on an existing customer of several years and have excellent history on my loan, believe I am being discriminated due to age and I have just been retired by my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX
Product: Mortgage

My home loan ( Loan number XXXX ) with Select Portfolio Servicing , Inc., was paid off in full in XXXX, XXXX. The address is XXXX XXXX XXXX XXXX, XXXX, TX. 

I received a Release Lien on XX/XX/XXXX that was filed in the incorrect county. The lien was filed in XXXX XXXX ( which I had never even heard of ) and not in XXXX XXXX as it should have been. 

I did not notice this until I went through a nearly XXXX-month process attempting to acquire a home equity line of credit when my proposed lender finally informed me to look at my Release of Lien and note that it was not filed in XXXX XXXX .

I need to have the original release of lien filed in the correct county of XXXX immediately and a new lien ( backdated with original paid-off date ) mailed to me. 

First, I called the XXXX XXXX clerk and was told that I needed to contact my lender. When I attempted to call Select Portfolio Servicing, Inc., they were unable to connect me to someone who could help because they did not show my loan number. Select Portfolio Servicing was the third lender for the house at XXXX XXXX XXXX XXXX. The first was with XXXX XXXX, which sold the loan to XXXX  XXXX XXXX. XXXX  XXXX XXXX sold to XXXX. Finally XXXX sold to Select Portfolio Servicing. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed a bunch of collections that I am unfamiliar with. There have been numerous data breaches that I have been apart of. Thank God some of these collections are not attached to open accounts. Per ( FCRA ) As a federally protected consumer who rights are being violated Privacy Act of 1974 I am demanding that credit reporting agencies immediately abide the 15 U.S Code 1692c- Communication in Connection with Debt Collection with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian is reporting the following wrong address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC BANK-they are very deceitful. 

Dear CFPB I have contacted PNC Bank at least 5 times now and they keep lying, they use to be a good bank -now evil. Now they have begun to put money into my account and saying that I put it there when in fact I did not, I talked with a worker from their Corp office and she told me that she would close it, but she did not. 
They keep it open because now they have put money there, and saying that I can not close it, because of the money {$170.00} - not mine.
Product: Credit card or prepaid card

In XXXX Barclays advertised that if I signed up for the JetBlue XXXXXXXX XXXX, spent {$1000.00} on the card and paid the {$99.00} annual fee, I would earn XXXX in rewards miles. After completing all the requirements, Barclays only awarded me XXXX in rewards miles. I contacted them but they said they were unable to assist me with my rewards issue. They stated that in XXXX the sign up promotion was only for XXXX rewards miles and not XXXX. I didn't have a screenshot of the online marketing materials for the XXXX promotion but I do have an email marketing promotion for the XXXX before I was approved for the card. 

Here is the timeline of events and attaching screenshots of evidence. 

XX/XX/XXXX : I saw a promotion for XXXX rewards miles for the JetBlue XXXXXXXX XXXX and applied. Barclays said they would review my application. 

XXXX : I called them about my application and they said I need to provide scanned copies of my ID and Social Security Card. I send it to them but no response. 

XX/XX/XXXX : I receive an email about the same offer for XXXX rewards miles. I call Barclays again and they said that my Social Security Card was blurry and I needed to resend it. I resend it again. 

XX/XX/XXXX : I am finally approved for the card. 

XXXX : I noticed that I only received XXXX rewards miles after completing the requirements. I called and explained the issue. They opened a case for investigation. 

XX/XX/XXXX : I received a mail that they are unable to assist me with my Rewards Issue. 

Barclays does not have their act together. It took over XXXX months for me to get approved for the card only after calling them multiple times. If I hadn't called, I have no clue where my application would stand. I know I have great credit. They also release misleading marketing materials that I would get XXXX in rewards miles and only give XXXX. I just want to get what I was promised. I have already told friends and family the awful experience with this company so they are aware not to do business with them.