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

I am writing to formally request verification of a credit card account that has been reported in my name. 

My legal name is XXXX XXXX, not XXXX XXXX, as has been incorrectly reported. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any account reported in my name. 

Please provide the following : 1. Proof of my authorization to open this account, specifically a signed application or other documentation that includes my correct name and signature.

2. Information on the method used to apply for this account and where it was opened.

3. Copies of any identification or documents used to verify my identity when this account was opened. 

Additionally, I want to clarify that the previous account statements you have sent are not proof that I authorized the opening of this account. I therefore demand a re-verification that includes my signature, demonstrating my consent to open this account. 

If you can not provide this verification, I request that you : Immediately delete this account from all of my credit reports under the FCRA. 
Cease reporting this account to all credit reporting agencies. 
Provide written confirmation of the deletion and removal from my credit reports. 

Furthermore, if this account has been written off or charged off, your company is required to issue a Form 1099-C for canceled debt under IRS regulations . According to IRS guidelines, creditors must file a Form 1099-C to report the cancellation of debt of {$600.00} or more, and I have not received this form as required. If this account was indeed canceled, please provide confirmation of the 1099-C filing or an explanation of its absence. 

Please respond in writing within 30 days, as required by law. Thank you for your prompt attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Several months ago, I began receiving from Chase billing statements for a credit card that I did not recognize. I contacted the bank immediately to let them know that there might be a mistake - that somebody might have opened the credit card account in my name without my knowledge and consent. Was advised to refer this matter to their ( Chase ) Fraud Department for investigation. It was also recommended by the Customer Service specialist I spoke to that I make a payment on the disputed card/charges to prevent additional penalties from accruing while it is being investigated. As was suggested, my husband remitted to the bank {$110.00} on XX/XX/2020 to pay off the credit card while under investigation. Two days later, after making the payment, I received a letter from the Chase Fraud Department, informing me that they have completed their investigation and that they found the credit card to have been opened without out my knowledge and therefore not liable for it. Based on this letter and the findings of their Fraud Department, my husband wrote 2 letters to Chase, through their Customer Service Department, for the return of the {$110.00} that was paid to them on XX/XX/2020. The letters were mailed and addressed to the bank 's Customer Service Department at XXXX. XXXX, in XXXX, DE XXXX, on XX/XX/XXXX and XX/XX/2020. No response has been received from Chase to date. Request your assistance.
Product: Debt collection

On XXXX XXXX an unauthorized account was opened in my name and closed on XXXX XXXX in the amount of {$3400.00} from the company of SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, NC. The vehicle was not at the location and I was advised it cost XXXX. I had completed the finance agreement. When the car was brought to the location the salesman tore off the windows sticker. I did not get the sticker until a week later as I had to request a copy. The price listed was XXXX. I asked about the additional cost and was advised of additional fees, but they would not provide the charges after I had requested it. Also when I went to sign the contract. The finance XXXX just said sign here and did not go over the pricing. While looking over the contract later. I found I did not receive the XXXX loyalty bonus nor the XXXX dollar additional amount they had quoted prior to signing the contract.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Equifax the results of my investigation for fraudulent accounts listed on my credit file and Equifax and Equifax has not kept any of my docusments on file. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

Equifax initated a dispute without my consent. I had already sent equifax, unrebutted facts that were established. Equifax recived a Affidavit of Identity Theft, results of a UCC 11 search, Police Report, and Affidavit of Truth, as well as a cover letter detailing the information and my intention.
Product: Debt collection

My understanding is that FCRA XXXX necessitates us to remove any incorrect accounts from my credit report. Would you be willing to review the documents? It seems that several listed accounts are inaccurate, and it's making me feel uneasy. 
Please remove the inaccurate accounts being reported on my credit file.
Product: Credit card

I called and closed my credit card account. At that time I asked if there were any pending fees, charges, etc that could mean I still owed money. I was told there were not. I had paperless billing on so I was not receiving written statements. Account was closed and 3 months later I received a bill for XXXX {$50.00}. I called up and was told that there were pending fees and now those fees had fees on them because I had failed to pay them in a timely manner. I argued with the service representative and was transferred to a manager who said that because I had been a good customer they would remove all fees, balances, etc. I told them to please note that on my account and turn on paper billing so I could get a record that the account was finally closed and done. One month later I received a bill for {$65.00} including late fees, etc. I called and they claim there is no record of me speaking to them last time and that my only option is to pay the money or watch the balance continue to rise.
Product: Credit reporting or other personal consumer reports

I requested for XXXX and Experian to delete the Chapter XXXX and XXXX bankruptcies from my report. they told me that they got my information from the bankruptcy courts, but i have proof that it was not true. I then demanded that they remove this from my reports and they have yet to comply. I have given them months to rectify the situation and they have yet to comply. The courts sent their response back in XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I have several cryptocurrency wallets on Coinbase since 2017.

Since last XXXX, Coinbase has restricted my account and won't let me trade with it, I can't buy, sell or withdraw my money to close my Coinbase account.

It continuously asks to validate the account and I have sent countless photos of my ID and driver 's license, but it is impossible.

I have opened numerous cases to Coinbase support but in none of them I have obtained neither answer nor solution.
Product: Debt collection

Portfolio Recovery Associates, LLC sent me a letter stating that I owed them {$5300.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me. The letter they sent was dated XX/XX/2018. 

I also received a letter from the same Portfolio Recovery Associates, LLC dated XX/XX/2018. In this letter the company stated that I owed them {$1800.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized hard inquiries on my equifax report. I have sent letters for them to verify and have them removed and equifax failed to do so. I called all XXXX companies and they said to call equifax. My credit was frozen XX/XX/XXXX and again on XX/XX/XXXX and these inquiries occurred when my credit was frozen which is a fcra violation XXXX XXXX on XX/XX/XXXX and service loan on XX/XX/XXXX as well are unauthorized
Product: Debt collection

I was contacted by RMP, A XXXX RCM company around the XXXX of XX/XX/2022 with regards to a debt I owed XXXX XXXX for various medical bills including my sons. They offered me a settlement for {$680.00} of which I agreed to and requested the debit this amount from my XXXX XXXX account on XX/XX/2022. The entire conversation was recorded and I provided my routing number and bank account number for them to debit the {$680.00}. However, on XX/XX/XXXX they debited {$1100.00}. I called immediately and spoke with employee # XXXX ( XXXX ) who acknowledged the error and assured me they would credit me back the difference of {$450.00}. I was given reference number XXXX and assures me I will get the difference ( {$450.00} ) back but they have not. I called several times and keep getting a promise they will refund me the difference but they have not. I have filed a dispute with XXXX # XXXX do not believe this company intends to pay me the incorrectly debited amount and uses settlements as a ruse to get your bank account info and then overcharges you and just assumes there is nothing you can do. The company info is below. 
RMP, A XXXX RCM company XXXX XXXX XXXX XXXX, IN XXXX Office Hours : Monday Friday XXXX XXXX  Email : XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX XXXX. 
I filed a complaint number XXXX on XX/XX/XXXX. 
PenFed replied on the XX/XX/XXXX. 
But as of today XX/XX/XXXX, I have not received the money from my account, as the communication received ( attached ) states they have processed. 
I am an XXXX XXXX XXXX XXXX veteran living in XXXX and I have a serious need of this money due to the severe increase in the cost of living. 
Please try to help me because both my wife and I have XXXX and we really need this money. 
Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX  application denied internet access to bank account credit file of XXXX. XXXX  application is a black hat trick under false pretense to a CREDIT FILE XXXX name XXXX XXXX of an ITIN spanish police XXXX that prevents XXXX XXXX XXXX customer access to IRS XXXX to defer debt and acquire finances. Credit is not perfect. XXXX XXXX is to be made perfect with birth-given name and surname. XXXX person keeps hiding name with black hat tricks. That's like XXXX XXXX XXXX. I'm a elf with a given name so due from barbaric nature I keep getting harassed by XXXX XXXX XXXX  messing up the internet.
Product: Vehicle loan or lease

I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Superstores , Inc finance on XX/XX/2021. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges.
Product: Credit reporting

Previously disputed bankruptcies being reported o my credit report. Experian sent me results that the items were factual. I then resubmitted a dispute due to there are multiple spelligs of my name and multiple social security numbers that do not belong to me on my report. In the latest dispute Experian refuses to reinvestigate my claim of the bankruptcies not belonging to me bankruptcy case # XXXX XXXX XXXX These are not my cases
Product: Debt collection

In XX/XX/2017, I switched phone companies XXXX bought out my XXXX contract as part of the deal for switching to them. Then in XX/XX/XXXX, I noticed XXXX was still charging my bank account. I went through all my Bank statements and realized they had started charging me {$80.00} a month starting in XX/XX/XXXX without sending any sort of bill. 2 months after XXXX bought out my contract. I called XXXX Customer service to figure out what the issue was. The gentlemen on the phone told me that he could see that I had switched services but was still showing I was being billed. He submitted a refund request for me and closed everything completely. Then in XX/XX/XXXX, my mom received a letter from XXXX at her house halfway across the country as I live in CA and she is in MO. it was a bill saying I was past due {$170.00} and it was going to collections. I called XXXX customer service again to figure out why they are still billing me. The women told me that my account was closed and it was an early cancelation fee. she also informed me that my refund request for the 6 months of being charged {$80.00} was denied because they informed me that they were billing it in my email. which I went back and looked I did not receive one invoice from XXXX the only emails received were wanting me to come back to XXXX. I asked for the {$170.00} to be waived because they had stolen money straight from my account while I had no services opened with the company during the time. and XXXX bought out my contract to include all fees. This request was also declined. I tried explaining the situation to the debt collectors. XXXX messed up on closing my account when I switched to XXXX, they refuse to reimburse me and the debt has hit my credit report 3 times. No one has been willing to work with me on resolving the situation. I don't understand how the same debt can continue to knock my credit score for something that was XXXX mistake and they refuse to take responsibility.
Product: Checking or savings account

This is a continued complaint. You closed my last one and it didnt tell me anything I didnt know. Im asking what was forged? If it was a fake check why on earth would it take 3 months to figure out that the check was not real. It can not be the signature because that is XXXX signature and 2 Capital One employees told me that there was no question that that was here Signature. They compared it with her signature on file and said it was hers. Even tried to get my case overturned. And my dispute with XXXX has been settled on XX/XX/2024. So now I really feel attacked and treated unfairly when I am a victim in all this. I was scammed by XXXX who scammed the bank. And they fell for her scamming. I dont understand why Im being treated so poorly. The police are helping me and are going to make sure she is charged for this. Because they went through all my evidence and they see I was a victim of a crime. And their confused why Capital One is treating me so poorly.
Product: Student loan

I applied to the Save program in XX/XX/XXXX. My application was closed on XXXX 's website and I continued making payments under my IBR plan. On XX/XX/XXXX, I received an email that I was being placed into an " administrative from processing forbearance '' until XX/XX/XXXX due to the SAVE application. 

I no longer wish to pursue SAVE, was never enrolled in SAVE and do not wish to be enrolled in SAVE due to the ongoing litigation. I formally requested that my SAVE application be removed and that I continue to be able to make my IBR payments in my IBR plan which does not expire until XX/XX/XXXX. 

My request so far has not been honored. I am requesting : 1. That my SAVE application be cancelled 2. That my forbearance be lifted 3. That I continue to be able to stay on IBR and make my payments as I have been This would be in the best interest of me as the borrower, MOHELA as the loan servicer, and XXXX as it would allow me to continue to make monthly payments and progress towards my loan rather than sitting in a forbearance making no payments and would save MOHELA and XXXX the time of processing an application that I was never in and would just be switching back to IBR which I am already in ( which would be more unecessary paperwork for them to process and more time in a forbearance where I am not paying off my loans ).
Product: Debt collection

This debt was created from my Illinois department of human resources XXXX account. I went away to XXXX and somebody fraudulently renewed my length of benefits and continued to received my benefits while I was XXXX. I was XXXX from XXXX/XXXX/2015 to XXXX/XXXX/2015. When I got XXXX from XXXX I was denied benefits due to fraudulent charged on my Illinois XXXX while I was in XXXX. I have no idea what to do or how to get this debt resolved if I had nothing to do with it since I was in XXXX over the 6 month period the card was being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION EXPERIAN THIS IS IN FACT ME, XXXX XXXX. XXXX THIS IS NOT A CREDIT REPAIR COMPANY I have submitted this complaint 2x other times for the same issue. The FCRA states I have the right to dispute items on my credit report. The items must be accurate and verifiable. I have sent a few letters asking you how the chapter XXXX & Chapter XXXX bankruptcy were verified? You did not provide me with that information! I have unauthorized inquiries, XXXX XXXX XXXX late payments that were reported inaccurately, XXXX  credit card charge-off lates that were reported inaccurately, XXXX XXXX charge-off and lates on my credit profile and they have not been removed. 
I have the right to a accurate credit report and you are in fact violating the FRCA. Please investigate and remove all of the mentioned above inaccuracies, update my credit file and send me an updated credit report showing these items removed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

You have XXXX  days from the receipt of this letter to address this dispute and inform me of the results of your investigation. 

I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX. XXXX Account # XXXX. Unverified Account XXXX. XXXX Account # XXXX XXXX Account XXXX. XXXX Account # XXXX Unverified Account XXXX. XXXX  Account # XXXX Unverified Account I have the right to accurate and updated information on my credit report. Incorrect details, like an invalid address, and inaccurate accounts reporting can negatively affect my creditworthiness. I request the removal of any inaccuracies related to my address and any unsubstantiated information. According to the FCRA, you have XXXX  days to resolve this dispute and inform me of the results. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX, someone I was the subject of identity theft at the consumer, XXXX. Someone used my name to purchase items in my name. The debt was forwarded to a debt collection agency, XXXX XXXX XXXX I disputed and it was removed from my credit report. XX/XX/XXXX, another Debt Collection Company, KESLER and WILLIAMS obviously bought and attached the same XXXX debt to my credit report. I submitted a dispute with XXXX to remove again but was informed that the debt was valid. I contacted Kessler and Williams and asked for a copy of the invoice. Upon receiving there were two glaring issues : 1. My name is spelled incorrectly. My name is XXXX, not XXXX  I would not submit for an account with the incorrect name. 
XXXX. There was a XXXX account that K & W says a couple of payments were taken out of. I did not have an account with XXXXXXXX XXXX so obviously there was fraud on that end as well back in XXXX. I use XXXX and XXXX XXXX XXXX XXXX as I am a XXXXXXXX  veteran. 

I submitted this information to Kessler and Williams and submitted another dispute with XXXX. 

I have attached three XXXX documents where this account was removed previously from my credit report. I also attached the Invoice fr4om XXXX showing my incorrect name and a bank account that is not mine. Obviously fraud on two levels.
Product: Credit card or prepaid card

I am a few payments behind on my Capital One card ending in XXXX. I chatted with an agent online and explained my situation and they were very nice and set me up on a financial hardship plan that would lower my monthly payment and reduce the interest. I was not told when to pay so I waited for something in the mail. Nothing ever came. So today, I logged in and my payment still showed the same so I chatted with another rep and was told I was on a payment plan through a " 3rd party debt management '' - and gave me a different ph # to call. I called that ph # and spoke to an account manager and was told no, we have no record of anything set up for you. So I went back to Capital One and chatted with yet another rep and told them that and they again told me to contact my " 3rd party debt management ''. I have never had a 3rd party debt management!!! I don't know what they are talking about. So I asked how do I get a copy of the original chat transcript from a few weeks ago. I was told that is not possible. SERIOUSLY? I did not imagine this. I want a copy of that transcript as proof that I DID contact Capital One for assistance and was put on a payment plan .... but nobody seems to see that or know what I'm talking about.