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

My mom opened a Kohls credit card in my name when I was only XXXX XXXX old, and I don't want it on my credit account anymore. I am XXXX and she never talked to me about it. Despite the credit being good, I feel it's wrong to open credit or loans through an XXXX XXXX.
Product: Debt collection

RE : Response to CFPB Complaint ( Complaint # XXXX ) I am writing in response to your reply to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), referenced above. In your correspondence, you stated that It is TSIs intent not to have any communication with me in reference to the above account. Moreover, you provided contact information for XXXX XXXX XXXX for any further questions regarding my account. I must bring to your attention that despite your intent, communication regarding this alleged debt has not ceased. 

Furthermore, I have made several attempts to reach XXXX XXXX at the number provided ( XXXX ) XXXX, leaving messages with the intent of discussing the matter. To this date, I have not received a response. 

It appears that Transworld Systems Inc. is in clear violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692g ( b ). According to this law, TSI has failed to : 1. Provide proper verification of the alleged debt. 
2. Provide judgment of the alleged debt.

3. Cease collection of the debt until TSI obtained verification/judgment and mailed such findings. 

Please be aware, the statement that was previously provided does not pertain to me, as it does not bear my name. This is a critical error on your part. 

In addition, I filed a dispute directly with XXXX regarding this alleged debt. On XX/XX/2023, XXXX responded to my dispute stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. The account in question ( # XXXX ) was verified as belonging to me, with certain fields modified. This verification is perplexing, given that TSI has not complied with the necessary requirements to substantiate this debt.
Product: Checking or savings account

Dear CFPB team, My name is XXXX XXXX. 
I have been JP Morgan Chase customer since XXXX. 
I have XXXX checking accounts, XXXX credit cards and XXXX business accounts with chase. 
Accounts ending at : XXXX XXXX XXXX XXXX Today i received a notice that they are going to close all my accounts by XX/XX/XXXX. 
I called Chase customer service and they did not give any explanation about this, as they said this was just a " business decision ''. 
I run XXXX XXXX shop in XXXX XXXX, CA and XXXX XXXX, i receive daily deposits, checks and cash deposits. All my auto pays are connected to those accounts. 
Please help me to leave my accounts open, Chase does not help me at all My contact # XXXX
Product: Payday loan, title loan, or personal loan

You guys all set me up with being pre-qualified just to turn me down what you guys don't see is my new history where I never missed a payment on my car loan where I paid off a whole car that was financed you guys don't look at the whole picture you just set me up to think I'm pre-qualified
Product: Credit reporting or other personal consumer reports

No written contract from the collection company or 1099c form for charge and written off accounts.
Product: Debt collection

I am writing in reference to the debt that has been reported to your agency by XXXX XXXXXXXX XXXX. I would like to resolve this matter and offer a settlement to satisfy the outstanding balance. 

Please be advised that this offer is being made solely to resolve this matter and is not an admission of liability or an acknowledgment of the debts validity. This offer is made with the understanding that upon receiving payment, your agency will remove all references to this account from my credit reports with the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). 

Im proposing the following terms : XXXX. Full and final payment of {$120.00} will be made upon written confirmation of your agreement to remove the account from my credit report ( XXXX ). 
XXXX. The account will be marked as Paid and Deleted from all three major credit bureaus within 30 days of receiving the payment. 
XXXX. I request that you provide a written confirmation of this arrangement before any payment is made. 

If you agree to these terms, please respond by XX/XX/year>, and I will promptly remit the agreed-upon payment. If this request is not acceptable, I will explore other options to resolve this matter. 

Thank you for your attention to this request. I look forward to hearing from you.
Product: Credit card or prepaid card

I received an alert on my credit report that my Capital One account was marked late. I knew I had paid the bill so I immediately checked to see what happened. In paying my multiple accounts, I got the amount mixed up. I paid {$25.00} and it was {$31.00}. This caused them to mark it XXXX days late. Ive never had a late in my life and this was an oversight of the total due and not a missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Checking or savings account

On XX/XX/22 I alerted USAA FSB that there were some unauthorized debits to my account. Since then, USAA has frozen my account and has declined all payments, standing charges, and declines all other transactions. My account is flagged as requiring a specialist but all attempts to contact the bank have failed. I have been placed on multiple holds of 3-12hours, all of which resulted in disconnections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I filed formal dispute inaccurate information on my credit report due to identity theft. Despite my previous attempts to resolve this issue, the disputed items remain uncorrected. Below are the details of my complaint : Account Information : Fraudulent Account Account Number : XXXX Creditor Name : AFFIRM INC Disputed Items : LATE PAYMENT XX/XX/XXXXXXXX  Details of the Dispute : On XXXX XX/XX/XXXX, I discovered that my personal information had been used fraudulently to open accounts in my name. I immediately reported this identity theft to XXXX Credit Bureau Name and provided all necessary documentation, including a police report and an FTC Identity Theft Report. Despite this, the fraudulent accounts remain on my credit report. 

Previous Correspondence : I have contacted XXXX Credit Bureau multiple times regarding this issue, including letters sent on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XX/XX/XXXX. Unfortunately, I have not received a satisfactory resolution, and the disputed items have not been removed from my credit report. 

FTC Identity Theft Report : Report number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXX on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, XXXX : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX Transunion : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - applied on a new chase credit card. Was told I need to experian unfreeze the Experian account XX/XX/XXXX - go to the website to unfreeze it, Due to my phone changed last used, i could not finish the process. I was given no option to talk to a real person either. 

XX/XX/XXXX - Send mail to Experian and provide them everything per " unfreeze instruction provided '' on the website. 

XX/XX/XXXX - It had been a week and yet no response from Experian. Therefore, I have no way to finish my XXXX Credit Card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I checked my credit report to find that I had a new collection account from Midwest Recovery Systems prior business being XXXX XXXX XXXX XXXX. I have never done business with either of these entities or given authorization for a loan. They claim the account was opened XX/XX/ 2018 for {$800.00}. I never received {$800.00} from anyone or business nor have I applied for a cash advance. This claim is fraudulent and needs to be removed ASAP. I have not contacted either business for the fact that it could be a scam and I do not what to give them any personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company, I spoke with credit bureaus, I have disputed, I have sent in statements stating I have no knowledge of this account. That is not my name nor address. Im a victim of fraud / identity theft. I have one name and one address that I have always used.
Product: Debt collection

On XX/XX/2020 I purchased a mattress and box springs set through XXXX XXXX XXXX. I financed my purchase through Klarna/XXXX XXXX. I was promised - which I have photographs of - an APR of 9.99 % for 2 years which was a promotional rate specific for XXXX customers and a XXXX $ monthly payment. I received my first bill and they changed the APR to 0 interest if paid by XX/XX/2020 and a 19.99 % APR if the balance was not paid in full by then. I have contacted customer service via email and phone. I was told send in the photos I took of the promotion I was offered - and I did - but I have not received a response and my account has not been updated.
Product: Student loan

I refinanced my loan throu gh PenFed and it was ma ndatory to open an account with them which they call i t Regular Share.  They said that I do n't need to deposit any money to the account, and they 'll deposit a  XXXX  dollar  gift into the account for me. This  XXXX  dollars are unavailable and I can never transfer any part of it to any other account I have. Then I noticed that my monthly payments ar e 9  cents higher than it should be. I mentioned it  to PenFed and they conf essed that they do this unfair activity. They add that "  XXXX -dollar gift '' to principal balance of the loans . PenFed p robably makes couple  of million dollars only out of this unf air transaction. They have done more unfair activities over my refinancing process, thi s one was the most obvious and simple one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX This account was closed in XX/XX/2008 it is over 10 years old please remove at once Documents enclosed
Product: Debt collection

LVNV funding is on my credit report twice for a total of {$1800.00} this debt is from identity theft, my identity has been stolen 3 times in the last 3 years.
Product: Debt collection

I contact collection company in order for them to provide me proof of debt the fail to dispute the account with the credit agencies
Product: Mortgage

I had a forbearance agreement with Caliber mortgage and have met the terms and condition as required in the forebearance agreement. The first payment due on XX/XX/20 was made to Caliber. The next day, caliber sold the mortgage on XXXX to XXXX XXXX. The forbearance agreement was also transferred and accepted by the new lender XXXX XXXX. I made payments on XXXX and XXXX to the new lender and was removed from forbearance. I applied for a construction loan with XXXX XXXX XXXX ( XXXX ). XXXX discovered that the XXXX payment had been reported as late to the credit bureaus for both me and my wife. To address this error I was told to contact Caliber and request a letter stating that I had made the XXXX payment on time. I spoke 3 times with caliber customer service representatives. Each time the rep stated that Caliber would not provide the letter. I spoke with the manager on the 3rd call and she was very confused about the agreement as she insisted that I was not in forbearance at the time of the payment. I referred her to the agreement and asked to speak to her boss and that person was on another call and was told that I would be contacted once they got off the call. I never received that call. The Payment date Is in Calibers system as being paid on the XXXX. The payment was also reported to the new lender XXXX XXXX as being paid on the XXXX. The rep insists that the payment made was for XXXX which is when the the foreberance period began. Isnt that amazing? That is what the agreement required. The agreement stated that the first payment needed to be made by the XXXX starting on XXXX which was done. The next two payments were made to XXXX XXXX the new lender. This is in violation of the terms of the agreement. The XXXX payment should not have been reported. No other month within the forbearance period was reported as late. XXXX was the only one which lends credence to my claim that I was in forbearance and the reporting was in violation of the agreement. I can be contacted at XXXX. This violation has caused me harm and I may have to litigate through the legal system if you are unsuccessful. If you would like a copy of the agreement I can email it to you.
Product: Mortgage

NC State Employees Credit Union took a back HELOC payment from two different accounts I have with them. This was not the first time they have done it. The first time I asked them to reverse it because I didn't have any other income coming in at the moment to care for the basic needs of my family. On XX/XX/2023 they did it again and moved the funds to cover {$360.00} this was at a time that I didn't have funds coming into account until the last day of XXXX since I started working for the school system. 

They took the funds which made other automatic outside creditors default and charge me for that. I asked the bank to show me where I signed that it was ok to move the funds. It took 3 weeks for someone to show me, because " Right of set off '' is nowhere on the promissory note. They showed me an online document on page 43 where it shares about " Right of set off '' XXXX XXXX XXXXwww.ncsecu.org/XXXX My issue is that no where was I given that understanding. Nowhere on the promissory note does it talk about my funds being pulled out of where money is in my accounts. 
1-I have my children 's accounts attached to me which will get them in a bind if I hadn't had money in other funds. 
( I will disconnect it all because I don't want them to be penalized for my doings ) 2-I now have a longer list of monies that I have to pay with other creditors because of defaulting on their automatic payments where the bank also charged for insufficient funds 3-Where does it say on the document what constitutes their authority to take the funds if I didn't get anything in writing with it? How many days before they will do it? AND when do they do it because I have been late before and it wasn't done 4-Who protects me from other creditors going after the debt I have with them? 
5-Collections said it was given to me when I opened the account it is my responsibility to know what all the bank writes that they will do. The PDF was updated in 2023, what did it say when I opened the account almost 25 years ago? Was " Right of set off '' in place then? 
6-I also did not get a letter stating what they had done until after it had been moved. Attached are the promissory note, and the letters from the bank where they took the money and sent a letter as an after thought. 

I am a Member of NCSECU but feel like a criminal, I want restitution for what happened with an apology showing me when consistently it would be taken off and where I said that they have the authority to pull those funds from any account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- -INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all of the accounts listed below be blocked and deleted from my credit reports, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. As a result of this breach, these accounts were compromised and do not belong to me.

Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Inquiries Linked to Fraudulent Accounts : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The XXXX that brought the debt has yet to send me my hard handwritten wet signature Agreement. This debt do not belong to me