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

someone applied for a feb destiny card and it got approved and they maxed out the card and went over credit limit. We called company they wouldnt give us an address where they mailed it, and they said our address didnt match. Looks like this company ran my credit on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, im making this concern because, I was a victim of fraud scam with a credit card on XX/XX/2020, when my credit card was on XXXX $ balance and was stolen and the scammer started to used it and the bank never notified me about this matter and I never got any alert from a credit card transactions, then when I tried to fix this issue with the bank they never help me with this problem and the balance was on XXXX when I never authorized any payment and I canceled the card and notified them, I want to get all that debt removed from my credit card balance from Best Buy visa, citi bank ending in XXXX and im still waiting for their answer because nothing happen yet. 
I'll be waiting for your answer as soon as possible. thanks so much, my best regards. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number XXXX
Product: Credit card

A fraudulent charge appeared on my credit card. I have been trying to get Barclay 's to address this issue. I have sent XXXX letters and called XXXX times. I have not received any documentation from them, any notification from them, nothing. When I call to try to find out what they are doing I get the run around. They are trying to drag this out past the XXXX period where I can dispute the charge. They have offered no explanation and no help, I just keep getting bills and when I call to ask what is going on I am told the department that handles is " is n't answering their phones. ''
Product: Debt collection

Jefferson Capital has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Jefferson Capital, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Jefferson Capital has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.
Product: Checking or savings account

I was lead to believe XXXX had authentic branded luxury apparel similar to XXXX  but unfortunately it turns out the merchandise was all counterfeit. How upon noticing this I immediately contacted Wells Fargo and followed all steps in the 13.4 XXXX  counterfeit merchandise rules and guidelines even after sending in XXXX separate second opinion letters Wells Fargo is still denying to even file my dispute they even went as far as to remove the credit some now my account remain overdraft but I have every right to dispute counterfeit merchandise. I have made numerous attempts only to be stonewalled when I have sent all the documents that I could get in a reasonable time frame. I feel completely unprotected as a consumer.
Product: Credit card or prepaid card

I received a letter stating that I have a lock on my XXXX  credit account and that I need to unlock it in order to continue the prequalification process. 

I called the FNBO on XX/XX/2021 to check on the meaning of this letter because I had applied for credit on XXXX XXXX and when I would look online at the status of my application it was still saying pending. 

the first line of representative I spoke to put me on hold to contact the relevant department about why my account is saying pending but I received this letter. 

I was then transferred to a representative on a recorded call who told me her name was XXXX and rep number XXXX between about XXXX XXXX eastern standard time. 

She accused me of lying saying that they never sent me any letter about lifting a credit freeze and that she doesn't believe that I have such a letter. 

She informed me that a letter was sent requesting more information from me in order to continue with and complete the application process. To which I informed her and other reps that I applied on XX/XX/XXXX and it's the XXXX of XXXX and I have not received said letter. I then requested if the letter requesting more information could be resent, emailed or if they could inform me over the phone what they needed from me so I can get it to them. 

I was told by the rep who accused me of lying and latter her supervisor that they can not resend the letter requesting more information, and that if I do not submit the requested documents my application will expire as I have failed to submit requested documents. 

To which I again informed all parties I only received a letter requesting to unlock my credit account not anything requesting more information. 

So in the end I will not be given an opportunity to know what it is the creditor needs from me in order to complete the application, and I will be denied for failure to submit requested information!
Product: Debt collection

To Whom It May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that LVNV Funding is reporting that I have a balance for a XXXX  XXXX credit card in the amount of {$2700.00}. 

During the sale of a previous home, ALL of my outstanding accounts were paid, including the XXXX  XXXX credit card. Therefore, I am disputing the validity of this collection. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval of my home loan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent XXXX  lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeastible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00}
Product: Consumer Loan

We have no delinquent loans, and our telephone numbers are on the national Do Not Call registry. Despite this, we continue to receive unsolicited and unwanted telephone calls from ( XXXX ) XXXX in XXXX XXXX, XXXX. This number is registered to Portfolio Recovery Associates Group, XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my Equifax and XXXX credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting XXXX XXXX to respond to correcting this issue.
Product: Debt collection

This company continues to call almost every night, sometimes twice a day looking for a person that I do not know. I have picked up their call to notify them not to call any more in the past. Since they change the number all the time, it 's not possible to block their call through my phone company. 

The company has been harassing me with unwanted calls for about year. Most of their calls occurred during dinner timeHere is call log showing last few days. 

PORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems sends my highly sensitive and private information, including SSN info, in simple USPS mail every time I lift a security freeze or place it back. This exposes me to unnecessary risks of identity theft. Chex refuses to stop sending this private info via US mail. Among the information included in unsecure and unwelcome communications from Chex are last 4 digits of Social Security Number, which are coded into a long number on top of the letter and it's very easy for a malicious person to extract this information. I had an instance of mail opening and theft by USPS employee last year, which is being investigated by Postal Inspector, and a lot of mail simply disappears right now. They also include Consumer ID, which can be used in lieu of SSN for communications with Chex regarding consumer file. Please ensure Checks stops this unlawful practice of exposing US consumers private information to identity theft. There's an absurd situation right now that to protect themselves from fraud and place a freeze on their Chex file, one must submit to having their sensitive info sent around in non-secure US mail. I will file legal action if this abuse continues.
Product: Checking or savings account

I received both a new debit card and a letter from bbt bank sating that they are closing my account. When i called they said there was a problem with XXXX on my account. They would not give me any details but said they closed my account and i could go to any bbt drive through with ID and get the funds. I went today and they said it was at XXXX. 
I called the fraud department and got passed around for a while. They said they " see the notes saying i could go to a branch to get the money but sidnt know the details ''. Finally i was transferred to XXXX the supervisor. He told me that someone had reported " XXXX fraud ''. I have only recieved XXXX koney from my daughters father for the exact same amount as it is child support ordered by the state. I explained this and said there must be a mistake and asked how much the conplaint was for? He refused to tell me. I asked for the details that they used to determine that this fraud report was actually true and he said they dony have to tell me. I asked him how then they knew it wasnt fake then and he said, " when we get a XXXX  conplaint we just automatically send the funds back. you agreed to these conditions when you used XXXX. '' I asked why my account wasnt negative then if there was a legitimate fraud report and he reaponded, " oh we just dont let your account go negative for XXXX. '' All i know is XXXX was the fraud investigator and that his name was XXXX but not how they made the determination or what proof eas used against me. 
I feel very taken advantage of since, according to bbt, i have no right to any information from them even though they have erroneously found me guilty. 
I dont care about the account but the way this situation has played out has me feel as if yhere was theft. I dont know what to do.
Product: Checking or savings account

Hello. 

Im back again with the same situation. On XX/XX/XXXX, I was placed the same restriction. I was told I was called back on XX/XX/XXXX but received no response from Robinhood at all. Ive tried requesting a call since XX/XX/XXXX and I have not received a callback. It is currently XX/XX/XXXX. 

I am currently restricted on withdrawing money, spending money, depositing money, like the previous restrictions under previous complaint CFPB XXXX. 

This is the 2nd time this has happened, and I want this resolved as soon as possible. I have tried to establish contact with Robinhood, but to no avail.

I hope to receive a response soon.

Have a great day. 

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

The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 
The following outdated addresses should be removed from my credit report : Addresses : 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 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 I believe that the presence of these obsolete addresses do not serve any legitimate purpose and may lead to potential confusion or unauthorized use. I kindly request that these outdated addresses removed from my credit report, and that any future consumer reports issued by your agency do not include this information. I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I sent in a request for a debt validation letter via email & mail I received a email back stating they would send the debt validation letter and they have never sent over anything but it is on my credit & im clueless to what it ts
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/year>, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/year>, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I can not pay my payment as co-signer on my daughter 's loan without being automatically signed up for automatic draft from my checking account. When I attempted to pay over the phone I had problems and was put through to a representative and was told that they could not accept my payment over the phone without collecting a {$14.00} " courtesy fee ''. The loan was initiated with XXXX XXXX and sold to Navient.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : 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 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Debt collection

PDM placed negative information on my credit without notifying me first, in writing, the failed to let me know That i had time to dispute this very old debt. no warnings. They illegally re-aged this account to 2020 and must've added extra fees. thats only 3 violations, so far, against me. HIPPA violations. FDCPA states a $ XXXX payment to me PER violation. They refused to send me proof to validate or substantiate their claim. They are not authorized to collect debt in my state
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX Actt # XXXX claiming i owe {$6700.00} after paying on XX/XX/2020 {$2800.00} settlement agreement
Product: Checking or savings account

Account was closed XX/XX/2022 for aggressive movement of money against my wishes. Received a notice that my credit builder, checking abs savings account were closed and I would receive a check for my funds. ( Several thousand dollars ) in 30 days. Ive tried to contact Chime bank over phone but their phone service recognizes my number and refuses me to talk to anyone. Ive emailed XXXX as directed by their automated phone message 9 times and have not gotten a single response back. 

Its now been the 30 days and I still have not received my closed account funds nor can I get a hold of them to figure out whats going on.
Product: Debt collection

My wallet was stolen on XX/XX/2013 and someone has stolen my identity and obtained credit cards and loans in my name. I have filed police report.
Product: Credit card or prepaid card

XX/XX/XXXX i LOADED XXXX  ON MY PREPAID XXXX XXXX FROM NETSPEND XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX IN XXXX OHIO XXXX  FOR A TRANSACTION OF XXXX MEMBERSHIP WITHXXXX  AT XXXX XXXX uNIVERsity at XXXX XXXX XXXX XXXX where I graduated from a XXXX XXXX XXXX and I am part of the XXXX XXXX at XXXX XXXX   university and while at the XXXX XXXX XXXX a XXXX lady used her mind power to make me mistake my credit card number to not make the transaction succesfully then as soon as I reach the XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX   where I was working and staying it is a men shelter I occured some problems in the computer room up stairs XXXX was unauthorized taking from my netspend XXXX XXXX prepaid account and I disputed it 0n XX/XX/XXXX and they closed down the card prepaid XXXX XXXX  ending in XXXX and said they had to closed the card down and re issue me another card because I did not authorize the transaction for XXXX XXXX XXXX  for XXXX and XXXX XXXX XXXX on XX/XX/XXXX for XXXX  and XXXX  so he said when he closed the account down it would take 7 to10 days to resolve the issue then when after 7 to 10 days they said it will take another XX/XX/XXXX then after that they said it will take XX/XX/XXXX every time they prolong the date because they are showing their buts tring to used my biggest form to fight against my grandfather chief XXXX XXXX  the head of XXXX XXXX XXXX XXXX in XXXX XXXX  my uncle XXXX XXXX XXXX is on the phone asking my biggest form to fight with him but my grandfather XXXX XXXX in XXXX tennessee said no to XXXX  my biggest form my uncle wants to show his but with caused me a lot of hardship and lost a lot of money and even got me evicted from my apartment with XXXX XXXX and XXXX XXXX and they even XXXX my girl XXXX XXXX   because of it.