23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX and XXXX XXXX XXXXXXXX have 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : DEPT OF ED XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a victim of fraud and I was XXXX XXXXXXXX XXXX XXXX  a couple years ago by three guys and one was only caught and I have a police report for proof and the case is still on going the guys who robbed me had everything from my social security card Drivers license debit cards my passport and more they took everything. I also have proof from irs that I am a victim of fraud where the person tried to file my taxes got apartments, phones etc in my name and I am trying to get these accounts removed from my report ASAP. XXXX XXXX XXXX XXXX  for {$530.00} XXXX XXXX for {$2000.00} XXXX. XXXX XXXX XXXX for {$8200.00}. I also need the FRAUD ALERT REMOVED FROM MY ACCOUNT I CANT apply for anything and i stay getting denied. I just ask that I get this resolved and removed and move on with my life I would greatly appreciate it. Even on my social security card the date it was issued is on there because it was a replacement!
Product: Checking or savings account

Bank Of the West Wants my Bank User Name and Pasword to take money out of my Bank account to Pay Rent the Bank could XXXX all my Money XXXX XXXX XXXX  mailed RPM Rental my Rent Check that RPM mails to Bank of the West gets the check late and charge me {$130.00} Fee RPM said to Mail the Check to Bank West Return the Check to my Mom Adress in Minnesota I Had XXXX XXXX mail 2 months Rent to RPM RPM wont give me there Routing Number XXXX  XXXX took around {$1000.00} Dollars to Lease me the Apartment I asked fore Help Paying Rent Calling Bank Of the West most all there Employees Hang up on XXXX XXXX Have XXXX XXXX in XXXX nobody can file a lawsuit against a bank treats everyone Terable 9 years I often move to a Foreign Country Every 90 Days the First Day you are in the Country a Rental Complany or XXXX XXXX take you to and apartment you give them {$2500.00} Cash and Rent the apartment there 100 % Helpful XXXX Credit Check XXXX Fees everything Helpfull Return to America and Everyone Treats you Terrible Call RPM Rental and Send them a email gets XXXX response you have to go there
Product: Debt collection

Midland Credit Management has no agreement with me. I have never worked with this company before and do not know how they have received my information. They harass me with phone calls, letters and threatening to sue me. I have not received proof of debt and I have never seen receipts. They affect my credit score negatively and refused my request to be removed. I highly believe this company is a fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting false information this account is close and satisficed declaration character please remove false information XX/XX/XXXXthirds party i have no relationship with reporting in accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX remover off credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honesty stumped. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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 : Inaccurate Names 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 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 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: Debt collection

In the attached letter sent XX/XX/XXXX certified mail to AllianceOne, I ask them on page four to not call me by phone and to communicate by USPS mail only. 

On XX/XX/XXXX, at XXXX XXXX XXXX Alliance one called after I revoked consent to be contacted by phone. This is a violation of the California Fair Debt Collections Practices Act ( RFDCPA ) I 'm requesting that this matter please be investigated. The calls are causing me a lot of stress! 

I 've attached a copy of a screenshot from my XXXX XXXX Phone Records.
Product: Credit reporting or other personal consumer reports

My XXXX account was purchased by Citi Bank from XXXX XXXX 
During the transfer processes Citi bank received the incorrect billing/mailing address, my automatic payments were not transferred either. 
This caused me to have XXXX late payment that affected my credit report. 

I didnt receive any information from XXXX XXXX about the transfer. 
I received an email from XXXX that my account was past due, so I called XXXX XXXX. I was told by them that they no longer had any of my information and could not help me. 
I was transferred to CITI bank and after a week, I finally got a hold of someone. 

That is how I figured out all of information was incorrectly transferred.
Product: Debt collection

About the last week in XX/XX/XXXX I received on phone call from ENHANCED RECOVERY COMPANY about {$200.00} dept for XXXX CABLE for an address in XXXX, Ga ( I live in XXXX, GA ) I didn't recognize account or the charge. I stated I only have a business account with XXXX and it's on autopay. They told me it must have been a mistake or wrong person and not worry about. That was it, one call and nothing else. Just to be sure, I went to the local XXXX office and they told there was an account in my name but they refuse to give the physical address and I should contact XXXX XXXX for Fraud and Identity Theft XXXX XXXX XXXX As they required I sent them all the info they need about me to this email : XXXX on three different dates ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) and no response at all. 
XX/XX/XXXX I got notice from XXXX XXXX about my credit report with XXXX : a new account in collections was added to your report. and effected my credit score. I've disputed the charges with XXXX and nothing happen. Not sure what to do now. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit card or prepaid card

Experian is charging my XXXX XXXX credit card {$19.00} monthly for a credit report I have not ordered or received. XXXX XXXX has tried to stop it, I've tried calling Experian, never can speak with a customer representative, I've e-mailed. This has been going on for 5 months now. 

Started : XX/XX/2019 XXXX XX/XX/2019, I checked my XXXX XXXX cared Experian has charged my card on XX/XX/2019, {$19.00} for a credit report. 

XXXX XXXX has issued me 4 new cards, I've spoken with the fraud department and my card is still getting charged {$19.00} a month. 

I've canceled everything with Experian, or I've tried the system told me I don't have a membership, but my credit card is still being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I sent a debt validation letter to Ameriassist XXXX XXXX requesting validation of the account they were suing me for. The client was XXXX XXXX. for the amount of {$1700.00} and they were given 30 days to do so. They removed this account from my credit report on or around XXXX XXXX XXXX XXXX. But around XXXX XXXX a company who I have never received a letter or phone call added this same account back to my credit report ( XXXX ) causing my score to drop XXXX points. I would like this removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

AUTOMATED COLLECTION  Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX Original creditor I would like to have all of these disputed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and submitted information requesting removal of fraudulent account for collections for Lvnv funding in the amounts of XXXX dollars XXXX, XXXX. XXXX dollars and XXXX XXXX XXXX  for XXXX dollars and XXXX XXXX. This with XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by various creditors. I am seeking your intervention and assistance in enforcing these laws to rectify the issues that have had a profound impact on my financial well-being and personal life. 

I would like to bring to your attention the following violations that have taken place : XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
Violation : Inaccuracies in credit reporting, violating the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX # XX/XX/XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX # XXXX and XXXX XXXX XXXX : Violation : Discriminatory practices in credit transactions, violating the Equal Credit Opportunity Act ( ECOA ). 
XXXX XXXX XXXX XXXX XXXX : Violation : Failure to properly investigate or respond to billing dispute, violating the Fair Credit Billing Act ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  : Violation : Abusive or deceptive practices during debt collection, violating the Fair Debt Collection Practices Act ( FDCPA ). 
These violations have not only shaken my confidence in the financial system but have also had a deeply distressing impact on my personal life. The inaccurate credit reporting has affected my ability to secure loans for major life expenses, such as purchasing a home or a reliable vehicle for my family. These events have caused XXXX XXXX and turmoil, making it incredibly challenging for me to provide for my loved ones and pursue a stable future. 

Allow me to share a personal story to illustrate the gravity of these violations. [ Include a detailed, emotional story that vividly describes how the violations have affected your life. Talk about the emotional and financial struggles you've faced as a result. ] In light of these violations and the profound impact they've had on my life, I kindly request your intervention to enforce the legal provisions outlined in the relevant federal consumer protection laws. I implore you to ensure that the creditors take immediate action to rectify the violations and remove these unverified accounts from my credit report. This will not only provide me with the relief I desperately need but also reinforce the importance of adhering to consumer protection laws. 

I greatly appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please do not hesitate to contact me if you require any further documentation or information to proceed with my case. 

Thank you for your time and assistance. 

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

I have hard inquires that I did not authorize and I want it removed pronto, I sent multiple letter to correct this on XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE WE GO AGAIN. 

THIS COLLECTION SINCE XX/XX/XXXX POPPED UP ON MY CREDIT REPORT AND MY ATTORNEY AND MYSELF FILED A COMPLAINT BACK IN XX/XX/XXXX AND HAD THEM REMOVED. NOW IT SEEMS NEW DEBT REPT : TOOK IT OVER>>> AGAIN THIS IS NOT MINE AND I HAVE NEVER VISIT XXXX XXXX XXXX  IN MY LIFE!!!!!!!! 

WE WILL BE FILING A COMPLAINT WITH XXXX  AND FTCC AS WELL WE WILL BE REQUESTING PROPER IDENTIFICATION AND DOCS TO WHOM THIS DEBT BELONGS TO AGAIN ALONG WITH A LAWSUIT. 


COMMONWEALTH FINANCIAL XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra not mine : see attachments for proof : XXXX XXXX  XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number
Product: Credit card or prepaid card

Backgound : We are snowbirds and own two homes. Our permanent & billing address is in XXXX. We were in XXXX ( our summer residence ) when my card with Capital One XXXX. The Post Office in XXXX didnot forward the replacement card that Capital had sent to my XXXX  residence. I called Capital about the situation, that we would not be back in XXXX until XXXX due to some health issues. The Capital One employee said no problem, she would issue me a new Card and send it to my Summer home address. 
I received the card, activated it, and used it to purchase groceries on XXXX at XXXX in XXXXXXXX XXXX. While at Walmart making a purchase, my card was denied, while still in the store, I called the Fraud depart at Capital One to let them know that I had the card. I was not asked the typical security questions that would identify me, but instead was told that my card was restricted until I send in : 1.Name & Address ; 2. Phone Number, 3. Proof of address -utility bill 4. copy of my Social Security Card 5 . Copy Front & Back of my Driver 's license. I did not have to furnish that info when I got the card. They wanted me to upload in an Email. I explain that I was not comfortable sending all of my info over the internet, I would mail. I also explained that my SS card was in XXXX in a safe. They would not make an exception. So I mailed everything listed above except SS Card, but put a copy of my Pasport to prove who I was, and mailed it to them by certified mail. That was not acceptable. So when we got to XXXX this month XXXX, I contact Capital One again, and this time I did email everything that they requested. Two weeks go by, I hear nothing, so I called and the goal post has now changed again. The associated said that my Driver 's License was blurry ( I scanned it in, it was not blurry on my end ), and that the utility bill was in my husband 's name, not mine, ( even though he is on the account it didn't matter to this girl ). She now is requesting a copy of my Bank Checking Statement with the whole account number visible!!! I hung up, knowing that they for some reason was not going to lift the restriction. I have been a long time customer 10 plus years, always paid my bill in full and early. I even paid the amount that I owed while my cared is on restriction, why would I do that if I am not the person on the card?? 
Please help me solve this problem. I have reward points on the card that I can't use until the restriction has been lifted. 
PS : I even wrote a letter to General Correspondence Department explaining the situation and crickets from them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I noticed two unauthorized inquiries being reported to all three credit bureaus by Capital One Auto Finance dated XXXX and XXXX. I did not authorize any dealership to submit an application to Capital One nor did I myself submit an application to them. On the same day I mailed by certified mail a request that they investigate these inquiries and remove them as they were fraudulent. 

On XX/XX/XXXX I received two of the same response stating that they would need more information to investigate this matter. On XX/XX/2022 I responded with a letter including all the information they asked for. On XX/XX/XXXX I received the same letter ( dated XX/XX/2022 ) asking for more information. On XX/XX/XXXX I mailed by certified mail another letter including the information they requested. On XX/XX/XXXX I received two of the exact same letters from them requesting information before they could investigate this matter! 

I mailed all my responses with certified mail and have proof that they were received, however Capital One Auto Finance is seemingly refusing to investigate these inquiries. I have included copies of all my correspondence with them and the certified mail slips. I believe these responses were sent to me as a stall tactic to avoid dealing with this issue. I then escalated the issue further and filed an FTC complaint reporting these fraudulent inquiries. Capital One refuses to investigate and cease reporting fraudulent inquiries.
Product: Checking or savings account

on XX/XX/2023. My XXXX received a call from supposable the fraud department at chase. They seemed to have all his info down to debit card #. There were wire transfers made from my business account in the amount of {$21000.00} and {$31000.00}. I have never once in my life have done a wire transfer before. While I was at the bank another attempt from my personal savings account of the amount of XXXX was made. I was able to stop that one, because I was at the bank. What I don't understand is how Chase Bank allowed so many transfers to go through. When I try to pay for things myself I always get blocked get an text and email to confirm my charges. When I talked to the claims department they told me I would receive a packet to fill out by mail only. To this day I haven't received the packet and I asked them if they can email it to me and they said no, it has to be by mail. I received a phone call from the claims department with a denial. A banker at Chase put in a request with the Escalation Department and they called me with the denial also. I feel abandoned by this bank with no communication, I feel they should have sent an email or text with a fraud alert to get my approval like they do with everything else. I am very, very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report. I contacted Experian on XX/XX/XXXX, regarding this matter, but I have not received a response to date. I kindly request your assistance in resolving this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

I want to reiterate that the following account on my credit report does not belong to me and is inaccurately reported : Account Name : XXXX XXXX XXXX Balance : {$10000.00} Opened : XXXX XXXX, XXXX I kindly request that Experian promptly removes the aforementioned account from my credit report as it is not associated with my financial history.