23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with TD XXXX XXXX in the past. Back on XX/XX/2019, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested and they did not even remark the account as disputed. They simply ignored my reques. This is a violation to the FCRA because they are reporting incomplete information. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from the three major credit bureaus. Account is the following : 1 ) XXXX XXXX XXXX. Date Opened XXXX XXXX, XXXX Credit Limit {$5700.00}. Status : Closed. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : Letter sent to TD XXXX XXXX on XX/XX/2019 and FTC Report.
Product: Debt collection

There two accounts from XXXX XXXX. One amount is for XXXX and the second amount is for XXXX. 
Account XXXX XXXX This account has been sitting on my credit report for 6 years and has affected me getting approved for certain credit applications. 

I have tried to request this to be removed several times. These accounts were involved in identity theft. There not the original debt collector. I have had no information mailed to my address nor any attempt to contact and collect the debt. I was completely unaware of these amounts and the original amount is different. I am requesting a thorough investigation because the amount has changed. 

I am requesting these to be removed. 
Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.

Fair Credit Reporting Act ( FCRA ) The FCRA requires companies to remove information from consumer reports that they can not verify after someone identifies it as wrong. The FCRA also establishes a framework of Fair Information Practices for personal information.
Product: Debt collection

Experian, XXXX and XXXX did not remove debt from credit report XXXX XXXX {$10000.00} XXXX XXXX {$440.00}
Product: Debt collection

A debt validation letter was certified mailed to collector Radius Global Solutions and was delivered by courier on XX/XX/year>. No response has been received, and credit reporting has not been ceased. 

XXXX XXXX : XXXX
Product: Checking or savings account

I am a senior citizen living on a small, XXXX  income. I entrusted Fifth Third Bank with the little money I had but they failed me. After reviewing my XXXX bank statement, I noticed there was a significant decrease in my account balance. I knew something was wrong. I went to my local Fifth Third Bank branch questioning the bank statement. I discovered that unauthorized withdrawals totaling {$30000.00} had been made from my checking account. The large transactions had taken place over the course of several days starting XX/XX/XXXX XX/XX/year>, with {$10000.00} being issued in the form of a cashier 's check and another {$20000.00} being withdrawn in cash. 

To my surprise, Fifth Third Bank confirmed that they had copy of a Power of attorney, which I reviewed and confirmed the signature is not mine. I NEVER authorized this or seen the document before! With a forged falsified document an individual was able to take over my account with the help of Fifth Third Bank employees, no questions asked. This has caused me great financial harm. 

Fifth Third eventually blocked my account, and a new account was opened. I was provided copies of the withdrawal slips and transaction details for the cashiers check that were used after getting the run around. It all started to be overwhelming and extremely stressful. I was told that I had to get the documents from the XXXX, XXXX  branch because that is where the transactions occurred. I am too senior to be driving that distance not knowing where I am going. So, I had to wait until someone could take me, only to find out that was not true. I did not need to go to XXXX, XXXX! My local branch in XXXX, XXXX  has the same access as their XXXX, XXXX branch. It was if Fifth Third was not willing to help or care. I started to think the person who took my money had inside help and was trying to keep me from getting to the bottom of this. At this point, what has not happened is the money has not been put back into my bank account. I am the victim of all this. I just want to be made whole! A complaint has also been filed with the Secretary of State regarding the forged Power of Attorney. A police report was filed and I have sought legal counsel in an attempt to recover my assets from the fraudster but unfortunately, I can't afford legal services because Fifth Third gave my money away. 

The predicament I have been put in is just wrong and unjust on so many levels. I hold Fifth Third responsible as they did not safeguard my assets. Nor have proper procedures in place to prevent this from happening. I understand that at some point someone at the bank did become suspicious but even with suspicion the individual was allowed to steal my money. I am requesting Fifth Third do the right thing and credit me back the $ XXXX that was withdrawn from my account without my authorization.
Product: Credit reporting or other personal consumer reports

Contacted and disputed XXXX account deleted because it was not my account with all 3 Major US Credit Reporting agencys from XXXX XXXX XXXX XXXX. The account has not been deleted.
Product: Checking or savings account

My account has a restrictions on it.. it has been over 1 year.. Im not about to have a debit card, send money, deposit money, basically anything
Product: Credit reporting or other personal consumer reports

I viewed my credit report and I noticed numerous credit inquires that I have no knowledge of XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I did not opening this loan XXXX XXXX XXXXXXXX account number XXXX. Please remove this inaccurate and fraudulent account. These account is reporting wrong information and errors days please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX how many times do you allow them to investigate and give them extended time when the complaint is simple as XXXX XXXX. This has been going on way past the allotted times and you frankly you are no better than they who destroy people. In my opinion a sham scheme to explore people and make money. Why do you send me facades as of your doing something. Very sad. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ACIMA -- I CALLED THIS COMPANY SEVERAL TIMES, TO EXPLAINED THAT I WAS GIVING THE WRONG INFORMATION. I GOT THE FURNITURE IN XXXX, I CALLED THIS COMPANY ONCE I RECIEVED THE FURNITURE THAT I WANT TO DO THE 90 DAYS SAME AS CASH, THE REP SEEM AS IF I WAS BOTHERING HIM. HE TOLD ME YOU CAN DO THAT ANYTIME, I EXPLAINED I BOUGHT FURNITURE FROM YOU SEVERAL TIMES, AND THIS NEVER HAPPENED, THE REP ALWAYS SET IT UP FOR ME. TIME WENT BY I FELL BEHIND AND WAS GOING THRU HARD TIMES, I ASKED ACIMA, CAN THEY GIVE ME A LOWER AMOUNT OR PUT ME ON A HARDSHIP THE SUPERVISOR, START TALKING TO ME CRAZY, AND I TOLD HER I WAS GIVING THE WRONG INFORMATION AND I HAVE BEEN WITH YALL FOR A LONG TIME AND NEVER HAD THIS PROBLEM. WHEN YOU DO NOT PAY 90 DAY SAME AS CASH YOUR AMOUNT DOUBLE WHICH IS UNETHICAL, THEY SPEAK TO YOU RULED THREATING ME ABOUT PICKING UP MY FURNITURE WHICH I ALREADY DOUBLE PAID FOR IT. THEY CALLED ME SEVERAL TIMES A DAY, I FEEL ABUSED BECAUSE WHEN YOU CALL NO ONE WANTS TO HELP YOU. THE SUPERVISOR, INSTEAD OF TRYING TO HELP YOU, SHE SPEAK TO YOU NASTY. PLEASE HELP ME. ACIMA, TAKE ADVANTAGE OF THEIR CUSTOMERS. I HAVE PAID OFF ALL MY FURNITURES BEFORE WITH NO ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer XXXX. XXXX failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XX/XX/XXXX, the primary account holder contacted XXXX and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by XXXX would be due at the very end of XX/XX/XXXX. Payment was actually made Monday, XX/XX/XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XX/XX/XXXX advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XX/XX/XXXX. I called XXXX and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is XXXX policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

XXXX, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XX/XX/XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XX/XX/XXXX to make the payment, which XXXX agreed to and approved, according to this letter XXXX still would have reported the delinquencies to the credit reporting agencies.
Product: Credit card or prepaid card

I had reserved rooms at both the XXXX XXXX and the XXXX in XXXX XXXX for a trade show. XXXX XXXX canceled my flights to XXXX XXXX after i took the first leg of my trip.I immediately called both hotels and was told my reservations would be canceled without me being charged anything and that any deposits would be refunded. When i returned to XXXX a immediately called american express. they contacted both hotels and told me i would be issued full refunds and now they are denying my disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing that my account was opened in XX/XX/XXXX and is currently closed. It shows closed in XX/XX/XXXX. They also show a monthly payment of XXXX which is what I have paid every month for the past 8 years now. This is my current child support amount for at least the next 10 months. They randomly show months where it was not paid and where payment was late. Currently they are showing a balance of {$7.00}. YES {$7.00}! They also show that the account was in collections and was charged off. This account was not in collections ever and was never charged off. This is a government run thing and is required that I make all support payments as I have been for the past 8 years. <P/>They are showing collections/charge offs in the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now also showing a {$7.00} collection charge off fee. <P/>There are NEVER any collections/charge off fees associated with this account since it is a government required child support payment account. This should not be handled in this way and is completely destroying my credit with agencies XXXX and Equifax. <P/>What they should be doing is sending me a bill/late statement every month if in fact I have some overdue amounts and then they should wait a month or so for me to catch up on those payments if I am late. Then they should send notices that they will be forwarding my account to collections if I do not pay it. They should provide a means to get it caught up. A means to contact someone to do so. Then after several months of me completely disregarding them, they should put it in collections as normal. <P/>What they are doing is if I have XXXX to pay each month and I only pay XXXX, they immediately the next month will show XXXX is charged off in collections. There is no bill and there is no communication whatsoever on what they are doing. Whereas I may pay XXXX the following month. I forever have this damaged information on my credit report. This is completely unfair not only to me but to every other person out there in the Nebraska court system trying to make payments of child support on time. This is a systemic issue and not isolated to me.
Product: Debt collection

This letter is in reference to # XXXX by XXXX XXXX XXXX , XXXX, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from PayPay Inc for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with PayPal, Inc and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted PayPal Holdings, Inc by phone on XX/XX/XXXX at approximately XXXX XXXX  with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the PayPay Holdings, Inc records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by PayPay Holdings, Inc to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX  Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy 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
Product: Money transfer, virtual currency, or money service

I contacted paypal credit customer service at XXXX on XX/XX/XXXX to gather information about a debt which is being reported monthly on my credit report. This account was removed from my report on XX/XX/XXXX. 

COMPLETED ON XXXX XXXX, XXXX ITEM IN DISPUTE : SYNCB/PPC DISPUTE REASON : Accuracy The payment history/rating is incorrect. 
The dates on this account are incorrect.

CONTACT INFORMATION SYNCB/PPC XXXX XXXX FL XXXX XXXX : Disputed item deleted XXXX investigated your dispute and deleted this item from your credit report. 
See your current report SYNCB/PPC Reported on XX/XX/XXXX {$2200.00} They informed me they can not provide information on account history or how to settle. The customer service representative gave me a telephone number to a credit collection firm which does not report to the credit bureaus and stated that firm is the only company whom could provide information on the debt being reported by SYNCB/PPC . I would like to gather information about the billing history of this account as I was unaware of the debt or the account itself. PayPal will not provide information on a collection account they are actively reporting on monthly. This is hurting my ability to secure a mortgage and auto loan putting my family in financial limbo. XXXX and XXXX removed the account from my credit report on XX/XX/XXXX but shortly after it was reported back and no information about the account billing history was provided to me.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXXand AMEX XXXX
Product: Credit card or prepaid card

Kohls changed my store card into a " Capital One Visa '' without allowing me to opt in. I did not give my permission to open said Capital One Account and when I contacted Capital One to close the account and move the balance to an existing Capital One Account they refused to allow me to do it even though there was plenty of credit available on my account. 

I contacted Kohl 's customer service and asked them to revert my account back to a store account and the staff brushed me off and gave excuses that they " don't have any of my information anymore '' yet refused to help me beyond this excuse to resolve the situation. They informed me that I needed to return to a kohls store and " open a new account ''. Also, I was informed that I was " chosen '' for this " wonderful offer '' and they refused to understand that this is a different type of credit and that I DID NOT OPT IN OR AGREE to this account change. 

I contacted Capital One and canceled the new card and had to transfer my balance onto another credit card and now I have a negative item on my credit report for the closed Capital One account.

I believe that this is a violation of the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the wrong amount on bureau because of fraudulent charges not done by me. The balance is {$9100.00} but I only had charged {$3200.00} dollars. Please block and investigate fraud charges.
Product: Mortgage

Loan modification began in XXXX of 2015 ; out company XXXX sent in a complete modification packet and the bank began processing the application. The bank is refusing to grant a modification because they claim that the client make too much money. However, the bank has refused to take into account the fact that the client incur unreimbursed employee business expenses ( per their tax return ). Despite Wells Fargo 's usual custom & practice of allowing unreimbused employee business expenses to reduce the income valuation, Wells Fargo has for some reason refused to do so in this case. They have, instead, gone ahead to schedule a foreclosure date of XXXX XXXX 2015 without any reason for doing so. They claim that because they have sent the client 's file to a " Reentry Team '' which has imposed an absolute bar on the file getting approved for a modification. 

Wells Fargo has, for no valid reason, violated the client 's right to a Fair Review Process and have rejected any reasonable avenue to avoid foreclosure on this home. Every time our company has spoken to a Wells Fargo Loss Mitigation agent, they have always been bent on having the foreclosure process completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

On XXXX of XXXX, Capital One contacted me regarding an interest to a loan modification which I clearly explained that I had no desire to do so. Capital One then deliberately modified my auto loan without my consent increasing the amount and the duration of the original loan. Capital One claimed that they received my signature to authorize a loan modification via email, which I never received nor signed. After weeks of requesting a copy of what Capital One claimed to be my signature, Capital One sent me a document that was not legible. After continued further requests, Capital One sent me a document that was blank without any signatures what-so-ever. Due to being ignored a lawyer sent a letter to Capital One requesting the appropriate document ; whereby Capital One sent a legible, yet unprofessional, document which clearly is a blatant forgery regarding what they claim to be my signature. The plausible forger ( s ) would be a representative of Capital One ( which they deny ), XXXX XXXX, and/or an accomplice of XXXX XXXX . 

I am the co-borrow of this account which began on XXXX of XXXX. I did not receive an original contract, which includes the account number with Capital One. Capital One claimed I needed to contact the auto dealership for the contract, whereby the dealership claimed I needed to contact Capital One for the contract. This continued for months until both Capital One and the dealership finally sent me a copy of the original contract in XXXX of XXXX. I have never had possession, keys, title, etc. of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I sent my first dispute letter to TransUnion. In the letter I requested that they send me copies of the documents that they have on file verifying the accuracy of the accounts I listed. I have send a total of 4 letters and they refuse to send me proofs or delete the accounts.