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

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.
Product: Credit card or prepaid card

On XX/XX/2022 I filed a complaint stating that I received a credit card from Avant and the following day they reported it as fraud. During the investigation period and after I continued to make my monthly payments. On XX/XX/2022 I received a response from Avant stating that the investigation had been completed and that I would be able to use my card again. In XX/XX/2022 I attempted to purchase gas and the card was declined, I contacted Avant and was told that the card had been closed due to fraud. This account still shows open and active on my credit report. No payments that were made on this account was credited and I am unable to log in so that I can attach the payments history.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed in the attached documents, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I have reach out to Equifax and have sent them a letter pertaining to my issue, however no changes have been made to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report and I have been checking it for the past months, these accounts are still here reporting in such a way that is derogatory and it affects my standing so bad. I am trying to build my credit and sorting things out. I want to ask for help regarding these accounts. These accounts are reporting collections yet it has a lot of missing information. Please help me out and have them removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This is my official statement about the crime. The following inquiries are a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. I have already contacted each company listed as an inquiry and they were not able to verify the validity of the inquiry or did not have any record of the inquiry. Therefore, there is no way these inquires are 100 % accurate. They are the result of identity theft and fraud. I am immediately and permanently deleting these inquiries from my credit report and file with Equifax Information Services LLC.
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports, Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my dicd.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information recelved from you will 3 ollected as evidence should any further action be necessary. This is a request for information only, > not a statement, election, or waiver of status.
Product: Credit card or prepaid card

On XX/XX/2018 I went in to Wells Fargo Bank in XXXX XXXX, CA. I was wanting to close my checking account, and in an attempt to consolidate banks/accounts I asked if closing my secured card would affect my credit score or if it would not be worth it to close. The bank teller told me that due to it just being a secured card ( with small credit limit ) it won't damage my score, so I continued to close that as well. However, I was told several days later that it should not have been closed due to it being my oldest line of credit. I went back in to the same Wells Fargo branch and asked if they can reopen my account without another application or pulling my credit score- as I was told incorrect information. They said there was nothing they could do for me. They mailed a check for the collateral balance of {$300.00} which has not yet been cashed out due to me trying to fight this issue. Due to the misinformation I was given at the bank, my credit score is likely to take a significant hit since that was my oldest line of credit by far.
Product: Debt collection

Enhanced Recovery Co has placed a collection account on my credit reports in the amount of {$56.00} that I do not owe them. I have never in my life heard of this company before and most definitely have never done business with them. I have never received any type of service or merchandise from this company. There is no contract containing my wet ink signature that is binding me to this company. 

Also, I never received a dunning letter from this company giving me the right to request validation of this frivolous debt. 

Oddly enough I received collection letters from XXXX other companies claiming that I owe them for the exact same frivolous debt. So how is it possible that I supposedly owe XXXX different collection companies for the same debt?
Product: Credit card or prepaid card

I paid my account balance in FULL. Six days later I was charged interest on purchases. But the balance was XXXX
Product: Consumer Loan

XX/XX/XXXX, I purchased a XXXX Dodge Intrepid. I fell behind on my payments in XX/XX/XXXX. I was notified in writing in a letter dated XX/XX/XXXX from the law offices of XXXX XXXX XXXX, XXXX that Palisades Collection LLC an Assignee of XXXX XXXX was collecting from me a loan balance of {$20000.00}. Palisades filed a judgment against me on XX/XX/XXXX the judgement amount was for {$20000.00}. I paid my debt off in full to XXXX XXXX in the amount of {$20000.00} with a cashier 's check. I received a paid in full letter from XXXX XXXX dated XXXX. The paid in full letter from XXXX is dated XX/XX/XXXX and the judgment was filed on XX/XX/XXXX. This judgment should have never been filed. On XX/XX/XXXX I received a letter from XXXX XXXX and XXXX, XXXX collecting for Palisades Collections. They were trying to collect {$20000.00} from me. On XX/XX/XXXX I spoke with XXXX XXXX with Palisades Collections and he said this debt had to be paid. Now I can not find no trace of XXXX XXXX XXXX. When I called the telephone number XXXX the company this number belongs to is XXXX XXXX, and Palisades is a subsidiary of this company. I just want to get a release of lien letter from whomever has a lien on the vehicle I owned. my vehicle vin number is XXXX. The judgment is no longer on my XXXX credit bureau reports. Please help me to get a release of lien for this vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report.
Product: Credit card

Received a letter from Barclays on an application for an AAdvantage credit card I did not apply for. The letter states I was denied because I placed a security freeze on my credit. I placed this previously because I have received several credit cards I did not apply for. I believe I am a victim of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked Transunion to remove these and they refuse.
Product: Money transfer, virtual currency, or money service

XXXX. I transferred {$XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ) to a Recipient 's bank account in XXXX, on XX/XX/year>, at XXXX XXXX. 
XXXX. The estimated time was given as XX/XX/year>, by XXXX XXXX XXXX. 
XXXX. The money was not received by the recipient in the given timeframe. 
XXXX. So, I contacted the customer service of the company, XXXX. 
XXXX. Customer Service XXXX, on calling 4 times, gave different answers and there was no consistency in the provided solutions. 
XXXX. XXXX agent, named XXXX, informed me that the transfer might complete in XXXX hours. 
XXXX. Another agent, named XXXX, declined to commit to that timeframe given by XXXX, and said that it might take XXXX business days. 
XXXX. I opted for XXXX XXXX, for which I have to pay higher conversion fees, in exchange for a faster remittance service. 
XXXX. But after XXXX 's comment about XXXX business days, I believe that the company has cheated me by giving false advertisements about XXXX XXXX, and taking advantage of the money transfers. 
XXXX. They also have another format of the service, which they call XXXX ' service, which takes about XXXX business days to transfer the remittance. And which has a lesser fee in exchange for a slower service. 
XXXX. So, I believe that XXXX has cheated me by providing another service format which charged higher fees, and provided not only a slower service, but also has not completed my transaction. 
XXXX. I also submitted a complaint via XXXX 's website. 
XXXX. Reference number of the transaction is XXXX.
Product: Credit reporting or other personal consumer reports

I requested to be allowed to validate the alleged debt including a breakdown of all charges, dates of service and procedures given. To my understanding, I have paid off more than what my CAPITAL ONE card charge off is showing and I do not have a current contract nor did I authorize this company to obtain my information, my rights to privacy was violated under FDCPA & FCRA. Law 15 U.S.C. clearly states that if a consumer notifies a debt collector that they refuse to pay a debt the debt collector must cease all communication. Also, Under HIPAA Law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX & XXXX.
Product: Credit card

I've consistently ensured payments on this account are timely, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account also has inconsistencies in the balance due. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate. I am not liable and refuse to pay this debt with : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Discover is reporting 2 late payments one in XXXX the other in XXXX. I reached out several times for this matter to be corrected and also asked for proof of the two cycle delinquency and havent received nothing. Payments where made within the timely manner and didnt exceed the reporting mark.
Product: Bank account or service

CitiBank has still not been able to properly deliver my check from XXXX previous cases. The most recent one they sent me a photocopy of it, which is useless and can not be deposited. I asked for it to be mailed to me, at my correct address ( which they had on file under my CitiBank account the entire time ), but since they did not respond to my original claim resolution dispute I have no faith that they will respond to my XXXX resolution dispute. Hence, I am creating a XXXX one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the fair Credit Reporting Act XXXXXXXX  these accounts listed above 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 statees a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I was never late on this account. Its clearly a billing error. Ive had this account eight years with no late payments or missed payments except for this one thats posted on my credit report thats an accurate. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. This inaccurate bill and era has called severe hardship to my reputation, my character and my mode of living into my family. I need this late payment deleted.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$5000.00} for an online vehicle purchase from a company supposedly based in Maine but was doing business under an address in Pennsylvania. The company, XXXXXXXX XXXX XXXX located at the said address of XXXX XXXX XXXX. XXXX, ME XXXX had vehicles listed for sale, that I came to find out were actual vehicles for sale from other dealerships throughout the US. 

They provided me a Bill of Sale, XXXX with matching VIN number, video walkarounds of the truck as well as tracking details when the truck was " enroute ''. I communicated with a gentlemen who went by the name XXXX as well as another gentlemen " XXXX '' who was the driver and everything seemed legit. I even did a bunch of research prior, confirming the LLC as " XXXX XXXX XXXX  '' registered at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. This LLC was registered since XXXX and the payment I sent was to their TD Bank account, which I still have all the account details for. 

I have since tried contacting TD bank and they will not help me as I am not a customer, and essentially have told me to kick rocks. I did contact my bank, XXXX on Saturday XX/XX/XXXX the day after the wire transfer to make them aware I believed it was fraudulent. They told me they would attempt to contact TD bank but that is basically all I have been told and that more thank likely this money is gone. 

I am not sure to what extent the bank can go to refund my money, but with the amount of details I have, there has to be something that can be done. I plan to press charges against the LLC but am filling a formal complaint against both TD Bank and XXXX for the lack of effort and support from a FEDERALLY INSURED financial company. There needs to be more action with regards to scams and I will take this as far as I need to. The FBI, FTC, Attorney General and XXXX  have all been contacted as well.
Product: Debt collection

A letter was sent my Mother 's home in XXXX XXXX  from an Attorney 's office by the name of XXXX XXXX XXXX, XXXX. The letter was dated XXXX XXXX, 2022. 

I returned home to have my family in early XXXX and when I returned to XXXX, XXXX  a wrote a letter this attorney 's office requesting " Validation '' on XX/XX/2022. I never received a response from them. I wrote to them again, on XX/XX/2022 regarding their initial letter to me, regarding this alleged debt. I have yet to hear from them. 

This account is listed under One Main Financial on all three ( XXXX ) credit reporting agencies. I attempted to contact XXXX XXXX directly, and their customer employee stated that there was not a file under my name and social on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Equifax and XXXX after I purchased a credit report with XXXX on XXXX receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the Equifax and XXXX on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Capital One has violated my rights.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after
Product: Money transfer, virtual currency, or money service

Using XXXX app, and sent money to the wrong person ... my bank said there was nothing they could do about it.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : ( XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX XXXX XXXX Account no. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Finacial Service and XXXX XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Financial Service does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Motor Credit and XXXX of XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Motor Credit does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.
Product: Prepaid card

XXXX XXXX I lost my phone and my chime card that was in the back of my wallet on my phone due to being at XXXX XXXX XXXX  that was not in my hometown. I didnt have enough information for the police to help me with my phone being stolen because whoever took it had already turned it off. By the time I got a new phone that following Monday, I saw transactions that was made on my chime account that I did not make and now Im without XXXX!! Ive tried to talk to the company but they keep denying my request, not really trying to help me out any. They dont send emails about my case like they told me they would. I have filed a claim 3 times for the same transactions and they feel nothing was done wrong and now Im just without XXXX that I didnt even spend from my account!!