23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SOURCE RECEIVABLES M ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOURCE RECEIVABLES M or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOURCE RECEIVABLES M or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Bank account or service

on XXXX/XXXX/2016, I opened a citigold account with {$50000.00} deposit, referred by my neighbor, who was told by financial banker, XXXX XXXX, XXXX ID : XXXX, that at the end of 3 months, everyone will receive {$500.00} credit and {$300.00} referee credit, also {$100.00} referral credits if refer anyone on member to member referral program. However later to find out that the promotions are the scam because these XXXX promotions ca n't be combined and the branch personal banker XXXX XXXX gave us the wrong information when we opened the account. 
After waiting for 90 days, I requested the additional {$300.00} via security message center but I was told that the promotions could n't be combined. 
XXXX XXXX stated that he did n't know these XXXX promotions ca n't be combined at the time when the account was opened. It is unfair for the customers to bear the lost created by the bank staff. 
My friends who were under the same situation told me that they were able to receive the additional bonus after the complaint was submitted. I would like to be treated equally too.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are a result of TUs inquiry issue in which inquires appeared twice I spoke to XXXX first and the a guy who at first gave me one name then later changed it to XXXX XXXX. The following inquires are still listed despite me mailing letters to the bureau as directed XXXX Inquiry from XX/XX/2020 - XXXX Inquiry from XX/XX/2020 - Informative Inquiry from XX/XX/2020 Informative Inquiry from XX/XX/2020 - XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/2020 + XXXX Dept Of Ed Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XXXX XXXX, 2020 + Misc. 
Dept Of Ed Inquiry from XX/XX/2020 - XXXX  Inquiry from XX/XX/2020 - XXXX Inquiry from XX/XX/2020 -
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an Amex Business Platinum card and received a denial. I requested that the application be reconsidered. On XX/XX/XXXX I received a letter denying my application again. The letter references an XXXX XXXX  report dated XX/XX/XXXX, over a month old. Amex Claims that the XXXX report was the most recent they have which is patently false. Not only did the Amex app itself show that they had an XXXX XXXX report dated XX/XX/XXXX, but my official credit report stated there had been a soft inquiry on my XXXX report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Amex denied having any newer report to reference. They told me to reapply for a card and it should fix the credit issue on XX/XX/XXXX ( one day after the most recent inquiry ). I did as they suggested over the phone with a representative. again my application was denied because this time because they had denied an application within the last 30 days had I not been told to reapply I would not have done so. On top of this the denial said that I had accounts not paid as agreed which is also false according not only to experian but also XXXX XXXX. XXXX states it has been 1 year and 3 months since a late payment and XXXX XXXX states it had been 1 year and 9 months on a report pulled on XX/XX/XXXX.
Product: Credit reporting

There 's XXXX judgements that are supposed to be remove, it was vacated and resolved in XX/XX/XXXX, and XX/XX/XXXX, it was investigated and found paid for. The judgments should not be in my credit report. It 's even posted in my report. Also the fact that I 'm still located at the current address it 's also proof of payment been made.
Product: Debt collection

This organization identified themselves as an office trying to collect a debt for Integra Credit. They stated I had a XXXX balance with Integra. I asked for documentation, they stated a letter of intent was sent from Integra and now the matter is in their office for proceedings. They asked me to verify my social security and I did not. I asked for documentation and they disconnected the call. They have repeatedly called me and left messages about coming to my home and have also called my parents and ex husband leaving this message : XXXX, my name is XXXX XXXX and I'm contacting you in reference to your complaint that's been submitted to my office XXXX. We have some questions regarding yourself as well as the property on XXXX XXXX XXXX to address these concerns and discuss the pending action being filed against you will need you to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX referencing your case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to contact her firm before the close of business today will leave us no choice, but to assume noncompliance on your behalf, and we will be making a decision without your consent please be advised at this calls being logged in submitted as proof. Said you, XXXX XXXX has been notified of the pending action being filed against you I have called them and requested they stop calling me and my family and asked for documentation. When calling today they did not state what organization they were with.
Product: Credit card

I received this creditcard ending in XXXX at my request.. But I never activated it to be used. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXXL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Product: Checking or savings account

Our XXXX XXXX XXXX wrote a check to a vendor ( XXXX XXXX ) in the amount of {$5900.00} on XX/XX/XXXX. The check was intercepted somehow and altered to the name of XXXX XXXX on the payee line and his name and address ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ) were added to the memo line where XXXX XXXX had originally been. The check was completely altered. His name was on the back where he cashed or deposited it. I contacted our bank and filed an affidavit for fraud since the check was intercepted and altered. I googled the name and he is a known criminal in Florida. I'm not sure where the check was intercepted and how he got it. I mailed it on XX/XX/XXXX in Texas and it was cashed or deposited by him and cleared our bank on XX/XX/XXXX. I was unaware of this until XX/XX/XXXX when someone with XXXX XXXX inquired about our payment. On this date, XX/XX/XXXX, we went to our bank and began the process. They investigated and said the check was cashed or deposited at a Chase bank but they couldn't tell me where, what branch, or if it was cashed or deposited. They also said that Chase will not refund the fraudulent money. Our bank is XXXX XXXX in XXXX, TX. He cashed it at a Chase bank somewhere. On the back is his printed name, but no account number. I'm wondering how Chase and can just not refund money for a fraudulent check from a known criminal. Also, how was it deposited or cashed if he didn't write his account number on the back under his signature and it was a large check and Chase is not our bank? We are just wanting our refund of {$5900.00} for the fraudulent money.
Product: Checking or savings account

I had a Fraudulent ATM Withdrawal done on my account for {$500.00} in XXXX, CA which is over 70 miles from my residence in XXXX, CA. The Representative informed me that there were several declined attempts as well, was also informed of declined pin attempts as well as declined transactions after the fact all verifying fraudulent activity. US Bank declined my claim because I didnt file a police report even though video surveillance verified it was not me on camera making withdrawal, and under Regulation E they can not legally require a police report and I can not drive 70 miles to make a police report in XXXX, CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the experian that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote this company and tried to disprove the issue with the company but he didnt respond him I had several account deleted from experience in XXXX XXXX that I would like these company to update a profile and correct any incorrect information and Im not, want to see any information without my signature on it verify any and all information verified I dont want to see any itemization data report from you guys company I would like to see the official document if you can not show me that then I willThe information to be deleted for my credit profile
Product: Credit reporting or other personal consumer reports

I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not thoroughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that XXXX never contacted them. I submitted my police report and FTC fraud report showing these are not my accounts. Don't verify using E Oscar or secondary bureaus. I called XXXX, XXXX and they both said that Equifax never called them to verify the fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I am the XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I need my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I need my credit report clean and all the negative stuff removed that's not mine that I submitted so many documents time and time over again dispute at the dispute I mailed some supporting documents the tracking number is as follow XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is over my XXXX XXXX XXXX XXXX XXXX my bank is XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank I would like to show them for XXXX XXXX for cutting off my credit card without my permission I had a secured credit card my credit score increased and it was time to increase the limit and they closed the account I feel it was XXXX XXXX  they also sold my mother 's mortgage loan without her permission which was fraud I sent all the supporting documents I would like for all of this to be investigated from the fraud department in any other department that would be able to help us with this matter we are trying to expand our business and help house the homeless in the issues we experience with Wells Fargo is holding us back XXXX XXXX and XXXX failed to comply with the federal laws of removing the inaccurate information on my and my mother 's credit report we have sent many letters and it has costed us a lot of money and we would like to pursue legal actions to get money for the money we wasted on trying to get our credit report right I also made police reports for reports all of the stuff they instructed me to do and they have failed to get us up-to-date credit reports with the right reporting information and it is holding us back from getting our business to the next level get in the home equity loan to buy a building to house the homeless veterans
Product: Credit card

On XX/XX/XXXX I received a Visa Debit card via USPS with a letter containing a QR code telling me to activate my CashApp Card. The CashApp Username printed on the front if the card is XXXX XXXXXXXX. It is issued by XXXX XXXX  The account XXXX on the back is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX I called CashApp customer service and requested fraud reporting. They require that give them an email address to continue to speak with them about this matter, which I am not willing to release any more personal information to potential scammers! 

They insist that they can't tell me who opened the account in my name, what the IP was that the request came from, and won't close the account without sending me email. 

This is unacceptable! 

What are my options here? Someone, somewhere has gained my personal information and is using it to try and defraud me of money. 

I made 2 calls to the CashApp service center, and also reached out to them via XXXX. Same thing each time. 

Please help me close this account and get this off my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited a few car dealerships In early through late XXXX and XXXX to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Resolution : A fair resolution would be for all the above-mentioned hard inquiries to be removed immediately from my credit report on all XXXX credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent multiple disputes to Equifax, XXXX, and XXXX. No one has sent me results. I have provided 3 bureau tables of the errors in my credit report. I have the right to fair and accurate credit report. All 3 credit bureaus are violating my rights. I demand the errors be fixed or deleted. I have attached letters sent to all 3 bureaus.
Product: Checking or savings account

{$7.00} I wire money to a XXXX XXXX XXXX XXXX in Virginia i believe in XXXX from Bank of America the money it was to meet and greet a celebrity, the people was fake they make me believe they work for XXXX XXXX, and they were the manager of this particular celebrity. 
I don't know anyone 's name. only XXXX management. they took my DL and they used my identity to get a loan for {$22.00} that now I have to pay. 
Bank of America know where the money when and to whom, and i told them too many times that they were fake. I just got letter with no solution. So I guess I lost everything. 
the email XXXX management its false. After they took my money, they ask for more. 
but i didn't give them, at that moment i knew they were fake. 
Bank of America has not help me at all, anytime I had to be the one calling. 
So, I think the closed the case. Very bad customer service and bad communication with the customer. 
Can you help this is my second time opening a new case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan.

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 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting or other personal consumer reports

There are credit inquiries that I dont recognize. 
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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXXXXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681S- 1681C. ( A ) CREDIT REPORTING AGENCY TRANSUNION AND XXXX HAS ALSO VIOLATED MY RIGHTS FOR PRIVACY. I HAVE ASKED FOR PROOF. IT HAS NOT BEEN GIVEN. ITS BEEN OVER 3 MONTHS SINCE THE INITIAL LETTER WAS SENT TO THE CREDITORS.THE ACCOUNTS LISTED DO NOT BELONG TO ME. I AM DEMANDING THAT IT BE REMOVED FROM MY REPORT IMMEDIATELY OR I WILL BEGAN LEGAL PROCEEDINGS TO SUE TRANSUNION. {$1000.00} PER VIOLATION.
Product: Debt collection

Lvnv funding LLC amount is XXXX date is opened XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to transunion, XXXX XXXX XXXX to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called over 10 years, They removed it and now it is back on. 
They are so rued to talk to. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX