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

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the XXXX major credit bureaus : XXXX, XXXX, and XXXX. Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within XXXX business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened Wells Fargo Business Platinum credit card on XX/XX/XXXX. The sign up bonus was {$500.00} after spending {$5000.00} within 90 days of an opening of credit card. I met the spend by XX/XX/XXXX. I waited for a month and contacted Wells Fargo twice in XX/XX/XXXX. I was told that the offer was not attached to my account and I asked for the copy of T & C that I signed up for this credit card. But they declined. They were not helpful and not willing to help solve my issues. 

My name : XXXX XXXX
Product: Credit card or prepaid card

I had to replace one of my business credit cards due to theft and Capital One Bank would not issue the replacement card unless I sent them a photo ID. I refused to send them a photo ID so I closed the account. I lost approximately {$180.00} in cash rewards because they wouldn't give them to me unless I sent a photo ID. A couple of months later ( XX/XX/2022 ) I received a letter from Capital One stating they had received a refund credited back to the account but are holding onto it for 2 months or 2 statement cycles even though the account is closed. Today ( XX/XX/2022 ) I called Capital One to see if they could transfer it into my Capital One Business Checking account and they said no which is fine. After telling me no she tried to do another way of verification and I sat on hold for about 20 minutes while she was trying to find another way to verify my identity. She comes back and tells me she has no other way to verify me and that I have to fax or snail mail a copy of my ID. She told me the photo is not what they need but when I said I was going to black out the picture she told me I couldn't do that. End result is I had to close my business account a couple of months ago and lost out on approximately {$180.00} in cash rewards and I have to send in my ID in order to get the money that was refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX - Company Amount - {$450.00} Company sent repossession after default in one payment. This was on XX/XX/2018. " Account Manager '' started speaking about my social media profile and continued to say " too bad you cant afford your car payment '' gave me legal advise to file bankruptcy. Account manager harassed me and continues to say my account was sent to an attorney for garnishment of wages. When they have not bothered to come get the vehicle.
Product: Credit card

I went online to Bank of America ( BoA ) credit card website to payoff the full amount due. The website indicated that the full amount due was {$7100.00}. There was nothing on the website to inform a consumer that paying the full amount indicated would not fully pay off the account. I made the payment for the full amount and believed I now had a zero balance on this account. As I had closed the account a number of years ago, my intention was to no longer have to make any additional monthly payments. To my surprise, instead of the next account statement showing a XXXX balance - it showed that I owed and additional {$38.00} due no later than XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I called BoA and spoke with a customer service representative, " XXXX. '' She transferred me to her supervisor, " XXXX XXXX, '' who identified himself when asked, as a " supervisor of the agent team. '' XXXX XXXX acknowledged that there is nothing on the website that explains to a consumer who wishes to pay the amount necessary to result in a zero balance on the account that the amount shown as due, on the day that the consumer signs onto the account, is NOT the actual amount that must be paid to XXXX out the account. 
XXXX XXXX explained that despite this failure to inform the consumer on the website, BoA refuses to credit the {$38.00} because somewhere in a revised terms of service, which he said was sent out in XX/XX/XXXX, it explains that if the consumer wished to pay off the full amount owed, the consumer must call BoA to find out the real account balance. 
I explained to XXXX XXXX that the failure to provide this information on the website -- in the " Pay This Card '' dialog box that pops up to allow the consumer to click on the " Make Payment '' button, and enter an amount to pay, is misleading. I asked that the {$38.00} be credited back to the account such that the next statement would show a XXXX balance, and he refused to do so, again restating the explanation in the paragraph above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Financing is currently reporting a balance of {$11000.00} on a car that was repossessed years ago. The account was charged off. Therefore, the balance should be {$0.00} not {$11000.00}. 

The incorrect balance is negatively affecting my credit score as it shows a false balance of {$11000.00} in addition to the charge off and repossession.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Dispute of Fraudulent Account Request for Investigation Dear CFPB, I am writing to formally dispute a fraudulent account that has been opened in my name without my authorization. I request your assistance in investigating and resolving this issue. Below are the details of the fraudulent account and the unauthorized activity XXXX XXXX. Account Details : Account Holder Name : [ XXXX XXXX ] Account Number : [ XXXX ] Financial Institution : [ XXXX XXXX XXXX XXXX XXXX ] XXXX. Description of the Issue : XX/XX/XXXX ], I discovered that an account had been opened in my name without my consent. I did not authorize this account and have not engaged in any transactions related to it. This fraudulent activity has adversely affected my credit score and caused significant distress.

3. Actions Taken : Reported the fraud to the financial institution on [ XX/XX/XXXX ]. 
Filed a police report on [ XX/XX/XXXX ] ( Report Number : XXXX ). 
Contacted the credit bureaus and placed a fraud alert on my credit report. 
XXXX. Supporting Documentation : I kindly request that the CFPB investigate this matter promptly and take the necessary steps to resolve this issue. Please remove the fraudulent account from my credit report and ensure that no further unauthorized activity occurs. 

I appreciate your attention to this urgent matter. Please confirm receipt of this letter and keep me informed about the progress of the investigation. Should you require any additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

USCB hit my credit with 8 collections ranging from {$15.00} to {$2900.00} - all from XXXX XXXX. These debts state that they were from 2015. I have not received a single piece of correspondence from XXXX nor USCB regarding these debts. These 8 collections dropped my credit score 40 points and could jeopardize an auto loan that is currently in process. These collections need to be removed immediately as they are incorrect.
Product: Credit card or prepaid card

On XX/XX/2022, Capital One FRAUDULENTLY closed my Capital One Venture Credit Card without notification or my permission. I have been a long-standing and loyal capital one customer as both a holder of my vehicle loan and my credit card. I have never missed a payment on either nor been delinquent on payment for either. Due to Capital One EXTREMELY delayed payment processing on payments made on time to my card, there had been instances where automated ach transactions were being returned. I have proof that payment has been made in time in numerous circumstances with Capital One taking an excess of a week to post the payment to my account, thus that themselves are creating the XXXX issues. On XX/XX/2022 I contacted customer service due to my account showing " Restricted '' on my app, only to find out that someone at Capital One deemed my account as fraud. There is no evidence or history to support this in any legal capacity or practical. There have been frequent XXXX returns or exchanges on this account as we frequent XXXX in excess of hundreds to thousands of dollars a month testing equipment for our business. 

As a Veteran Owned business, we rely heavily on this card for our monthly business budgeting and spending and need it reinstated immediately.
Product: Credit reporting

XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, i just wanted to figure out a way to sell the house and get away from it and make my payments. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. TransUnion did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Transition should practice better due diligence and look further into the documentation sent by consumers,
Product: Student loan

It's hard to tell exactly what happened because their records are a complete mess and I can not get straight answers out of them. They claim that I took out two loans in XXXX when I only took out one. In XXXX I was XXXX and my debt was discharged. Then they claim that it was reversed because they received information that I wasn't XXXX  for more then ten years. Then it was discharged because they received information that I was deceased. I called in XXXX to try and figure out what was going on and at that time and was told that it was discharged but I did need to pay some processing fee. I paid the fee but apparently that agent was lying to me because he put in the notes that i was trying to go back to school and that I was requesting the discharge to be reversed. Now 9 years has gone by without me receiving any contact from them, I thought that this was handled and I am trying to go back to school. Every time I call them I am given a different reason for why everything happened. I requested promissory notes and other documents from them but instead they sent me a balance statement. The statement that they sent me shows a balance of {$2100.00} which contradicts everything they have told me. I called and tried discussing this with them and they said they don't know anything about it and sent me another one claiming I owe {$4700.00}. I disagree with both of these amounts. I need this to be settled but they are unable to communicate with honesty and transparency.
Product: Credit card

XXXX return payment fee XXXX XX/XX/XXXX return payment fee XXXX XX/XX/XXXX late payment fee XXXX XX/XX/XXXX late payment fee XXXX
Product: Money transfer, virtual currency, or money service

writing a complaint regarding how my bank and zelle handled previous discrepancies despite my efforts to have resolved, there was no investigation or follow up
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Credit Acceptance Corporation account number # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Starting around XX/XX/22 I have tried to set up mobile banking with Wells Fargo. I was approved for a credit card and tried to add it to my current account I already have open. They allowed me to do a balance transfer that is over {$7000.00}. But when I tried to view it online I couldnt. I made the transfer over the phone. I have called numerous times to have this sorted out and merged with my current account. I have been told people would call back, have been told 5 different things as to why I cant see it. I have been asked to come to a branch when the nearest branch is over 3 hours driving distance. I have had numerous cases opened and not one person has called me back to rectify this. They do how ever call me and send mail about my current $ XXXX account and making payments to it. I am not making payments until I have resolved this issue
Product: Mortgage

I filed a Chapter XXXX Bankruptcy XXXX on XX/XX/2018 and have not received mortgage statements from my lender, Well Fargo and they have not been applying received payments consistently and have denied receiving payments, even though I have proof. My bankruptcy attorney has made repeated request that they send me statements to no avail. I Am ready to sue them and ask to have them sanctioned for violationsn
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX
- All hard pulls removed
Product: Credit reporting or other personal consumer reports

I accessed my credit report and noticed hard inquiries and permissible purpose according to 15usc I also attached my hard credit report can you please investigate these hard inquiries XXXX XXXX XXXX  delete this hard inquiry, XXXX  XXXX  XXXX delete this hard inquiry, XXXX XXXX XXXX XXXX delete this hard inquiry, XXXX  XXXX  please delete this hard inquiries
Product: Credit card

I opened a new account and the first time I attempted to use the card it was declined. When I contacted the company they said I could not use the card until I email them my photo ID and proof of income. In my opinion it is not safe to email this information nor is my income all from one source so I declined to email this information. I next attempted to close my account and they declined until I complied with the information above. I offered to answer any security questions but the representative said that was not possible. I just want this account closed. Since no one else is claiming they are me and wanting to use this card they have no reason to deny me closing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 Capital One ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX
Product: Bank account or service

I went into a Wells Fargo branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX the afternoon of XX/XX/2016 to open a new Checking and Savings Account. I provided the bank rep with my current AZ drivers license and my XXXX credit card for my forms of ID. I had deposited a total of {$3000.00} into the Wells Fargo account. {$1000.00} was to be placed in savings and {$2000.00} was to be placed in checking so that I could resume the pending transaction that had been scheduled for the coming weekend which would of been my XXXX mortgage payment and my XXXX car insurance. The banker had gone over the account types and pre qualification for a Wells Fargo credit card and asked me to sign electronically if I had agreed I was opening up savings and checking as well as I may be pre qualified for a credit card. After my deposit had been complete the banker printed out all form she had advised me of. She proceeded to advise the direct deposit slip was enclosed in the new member booklet along with temporary checks and temporary XXXX member card. Bank rep advised I was good to go. Later that evening when my family returned home I went only to update my job direct deposit and to set up my mortgage and car ACH payment. At that point is when I realized the information the bank rep had for the new accounts I had set up along with my funds was set up under the wrong name and a completely different state. At that point I assumed it may just be a simple clerical error so I proceeded to contact customer service to attempt to get the issue of the name and address change. The customer service agent was not able to provide me with any information on my funds as he stated my social does not match. The account was set up under the name XXXX XXXX XXXX in XXXX XXXX. I was unable to process my mortgage payment as well as my car payment and had to max out my only {$500.00} secured credit card which I had just paid off days earlier. I had attempted to pay my mortage payment and car insurance by visa but was unable to as they require routing and account information, when I provided my routing and account number provided by Wells Fargo they both had been declined as information did not match. Then end result is my XXXX account and credit card had to be maxed out and overdrawn in order for the payments to be processed. I do not have access to my funds I am not able to pay for gas at the pump nor may any payments. I am taking my son to XXXX driving out from AZ on XX/XX/2016 and will be returning XXXX I need access to my funds immediately.
Product: Credit card or prepaid card

DISCOVER CARD BALANCE TRANSFER WAS OFFERED I ACCEPTED IT NOT NOTICING AT TH E TIME SOME FINE PRINT A FEW DAYS LATER AS WELL AS OTHER DETAILS. SO I CALLED IN AND INFORM THEM THIS OFFER IS NOT IN MY BEST INTEREST. THEY TOLD ME THE PROCESS HAS ALREADY STARTED. I ASKED WHAT DO I HAVE TO DO. THEY SAID YOU HAVE TO RETURN THE MONEY BACK IN FULL. OF COURSE YOU KNOW IT IS A PROCESS FOR THEM TO SEND THE MONEY TO ANOTHER BANK AND ITS A PROCESS FOR ANOTHER BANK TO SEND THE MONEY BACK TO THEM. WELL DISCOVER CARD STARTED THE PROCESS ON  XXXX   XXXX     2017  THE MONEY WAS PAID IN FULL BACK TO THEM  XXXX   XXXX   2017 . YET THEY REFUSED TO REFUND ME THE {$400.00} FEE THEY CHARGE ME FOR THE BALANCE TRANSFER AGREEMENT WHICH I DO N'T HAVE NOR WANT. I WAS TOLD TO CALL TH E OTHER BANK AND ASK THEM FOR THE {$400.00} WHICH IS STUPID BECAUSE DISCOVER CARD BILLED ME {$400.00} NOT THE OTHER BANK IF ANYTHING THE OTHER BANK PAID EVERYTHING IN FULL ( SO DISCOVER CARD OWES ME ). THEIR REPRESENTATIVE KEPT REPEATING THE SAME THING OVER AND OVER AGAIN WHAT HER SUPERVISOR AND THE BALANCE TRANSFER DEPT TOLD HER TO SAY. FINALLY I TOLD THEM I WILL BE REPORTING THIS INJUSTICE AND GREED BECAUSE I WILL NOT BE TAKEN ADVANTAGE OF. I WAS ASKED TO RETURN THE MONEY AND I DID JUST THAT. YET YOU STILL BILLING ME FOR AN OFFER I DONT HAVE. I NEED HELP!!! THIS IS NOT RIGHT. THE ACCOUNT MANAGER SAID THEIR IS NOTHING SHE CAN DO. I ASKED HER TO NOTE MY COMPLAINT AND THAT I WILL BE FILING COMPLAINTS AS WELL AS INFORMING THE MEDIA, THE BBB, THE INSPECTOR GENERALS OFFICE, AND THE FEDERAL TRADE COMMISSION IF I AM NOT REFUNDED ... .. PLEASE   HELP ME BEFORE THIS GETS UGLY BECAUSE I WILL TAKE THEM TO COURT ... .. THANK YOU
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 this company kickoff landing opened a fraudulent account in my name. I noticed a new account on my account from kickoff landing llc in XXXX. This account was unauthorized by me &. Ive disputed account multiple times. Ive filed fraud documentation and call my credit bureau, Ive tried contacting the company by email & phone. This account is not mine & according to the FRCA law it has to be removed because it was unauthorized!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Experian : XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX ). 

Thank you for all your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Checking or savings account

Had to dispute a charge on my bank account for Key Bank and they said they sent me XXXX letter for the dispute. I never received it so now they overdrafted my account and put me in the red. Now they wont reverse the charge which they screwed up. I moved and the letter never arrived so I would like this reversed and an apology from the bank