23daVinci/CFPB_Complaints huggingface dataset:
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 attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency.

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is XXXX XXXX, but now has been sold to Portfolio Recovery Associates, LLC. 
They are claiming that I owe XXXX XXXX {$140.00}. I never applied for a card in 2015, I never received a card In 2015. 
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account. 
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account. 
When I initially disputed this as fraudulent, XXXX XXXX opened an investigation, and recently as of the XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And XXXX XXXX is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?
Product: Credit reporting or other personal consumer reports

Ive noticed accounts on my consumer report as I was looking to purchase a home, Ive noticed so many fraudulent accounts that arent mine. 

Please if you can assist me on removing this inaccurate information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests for months, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected as soon as possible for they are causing my score to drop! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to the company Speedy Cash on XX/XX/XXXX to request verification and validation of debt to reach an agreement to pay and as of today they have not responded of called to speak with me on the debt.
Product: Credit card or prepaid card

They closed this account ( ending in XXXX ) in XX/XX/XXXX, I completed paying it off in XX/XX/XXXX. right now there is a Credit balance of {$9.00}.

I had set up auto pay on their ( Bank of America ) website, and in XX/XX/XXXX of XX/XX/XXXX I was no longer allowed access to my account there.

I called to have them stop the Auto pay, since I had paid off the account, and was told then they would. They didn't ... ..

I called again in XX/XX/XXXX to again have them shut off the Auto pay, I was then informed that I needed to go to the Bank I had set it up with to have it shut off. I told them that it was on their website, and they are the Bank I set it up with. I was then told to log into my account and shut it off, I explained that I don't have access to my account on line, and I needed them to shut it off. I was transfered to IT, and was told that the account had been closed back in XX/XX/XXXX, and that is why I don't have access to it. I told them that the Auto Pay needed shut off, he said he had access to it, and will do it for me right then.

In XX/XX/XXXX I had to call again to get them to shut off the Auto Pay, they said they couldn't and I would have to go to the bank I set it up with again.

I went to my Bank that the Auto Pay is being charged to, and filled out the Stop Payment for Bank of America, and paid the {$45.00} to have it done.

I keep getting letters from BOA that the payment had not gone through. and emails about my account having a {$9.00} surplus.

And again this month they still tried to take money they aren't entitled to through and Auto Pay they won't shut off.
Product: Checking or savings account

I closed my CD with Synchrony bank on XXXX XXXX2019. I was  told funds will be transfer to my checking account electronically. I did not receive any money till today XXXX XXXX,2019. Customer service of this bank was very bad.The staff member of this bank had no respect for customer.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

A bill payment that was initiated through Wells Fargo Bank 's online website was delayed beyond the " 1 - 5 business days '' quoted ( and posted in writing ) online. Consequently, the payee received the bill payment late. The excessive delay created late fee ( s ) and interest charge ( s ) for the payee. As such, I requested that Wells Fargo Bank contact the payee and provide a XXXX XXXX translator, so that the payee could fully understand the conversation. A manager in the Bill Payment department of Wells Fargo Bank refused to provide this XXXX Translator. Further, one of the employees in the Bill Payment department made at least XXXX false statements regarding providing a XXXX Translator.
Product: Credit card or prepaid card

I have requested a new card to replace a lost card multiple times over the past month and have not received it. Please let me know the status.
Product: Credit card

XXXX cents was paid to citibank mastercard for XXXX  XX/XX/2023 and they stole my money and never credited my card i called them and sent several emails for over XXXX  days and they have ignored all of my calls and been charging me over XXXX percent interest with late fees for this accounr
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX  XXXX
Product: Credit card or prepaid card

further support requested by last Capital One letter for # XXXX XXXX
Product: Checking or savings account

In XX/XX/2023 I noticed improper transactions against my various bank accounts with Wells Fargo. I reported the improper transactions. The bank closed my primary account and issued a new account to me. However, fraudulent transactions continued to appear on the new account so the bank said it would shut my access down completely. When I then had a later opportunity to view the accounts, I saw yet more fraudulent activities. I have engaged the bank to recover such monies ( thousands of dollars or more ) and have closed all accounts. What I seek now is a full accounting of all fraudulent transactions and confirmation that all monies have been returned to me.
Product: Credit card or prepaid card

I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH THIS COMPANY.. I CALLED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX WHEN CHARGE WAS ON MY STATEMENTS TO REPORT FRAUD WELL I NEVER RECIEVED THE CREDIT BACK FROM THEM, SO I CALLED THEM AGAIN THIS YEAR AND THEY ARE NOW TELLING ME THAT I NEVER FILED FRAUD WITH THEM ... I TOLD THEM I DID BACK IN XX/XX/XXXX AND I WANT MY MONEY BACK. THE REP TOLD ME THAT IT WAS TOO LATE AND THEY CAN ONLY GO BACK 30 DAYS I ASKED FOR A MANAGER SO MANAGER XXXX CAME ON AND TOLD ME I ONLY HAD 60 DAYS TO REPORT I TOLD HER I REPORTED IT BACK WHEN IT HAPPEN AND SHE SAID I DIDNT ... THIS IS SENIOR CITIZEN ABUSE AND THEY SHOULD BACK ME AS A CLIENT.. PLEASE HELP ME GET MY MONEY BACK I AM LIVING ON A FIXED INCOME. I WILL LIST THE CHARGE FOR YOU XX/XX/XXXX HELP FOR TIMESHARE BUT IT WAS UNDER ANOTHER NAME TOO SOMETHING XXXX.. FOR XXXX ON MY XXXX XXXX. PLEASE HELP ME GET MY MONEY BACK
Product: Debt collection

I received a letter from The Avant Family on XX/XX/XXXX in which I had called because it stated I owed XXXX that was funded to me on XX/XX/XXXX. I had no idea what this was and had not taken any loans out. When I called they told me it was an online loan, they asked me for many things that I did not give to them, social security number, address, birthdate, and email address. I told Avant they sent me the letter they should have my address and I gave them the account number that was on the letter and that was all. I then asked them what email was associated with this loan that I did not take out? they told me they could not give that information to me. I figured at this point it was just a scam. In XXXX of XXXX I was in the middle of purchasing a building and the bank found I had profit loss on my account from Avant in the amount of {$14000.00}. I contacted XXXX XXXX and XXXX  to dispute this as it is not my debt and I had near perfect credit prior to this being on there. I got back from all three the same answer that it Remains and that it is accurate. I don't see how this is possible as I never took this loan out.
Product: Bank account or service

In XXXX XXXX, I received a debit card in the mail at my home address from US Bank with a " welcome kit '' that I did not request. Within an hour, I called US Bank to let them know that the account was fraudulent. I requested at that time that the account be closed. I subsequently ( within 10 days ) received paper checks in the mail that I destroyed. At that time, the statement balance was {$25.00} that I assume was deposited by the fraudster to open the account. I received nothing from US Bank for the next three months. In late XXXX XXXX, I received a US Bank statement indicating a negative balance of XXXX for withdrawals and monthly fees. When I called them, US Bank said that I needed to fill out a detailed fraud complaint so that they could close the account. I filled out the paperwork they send me via email ( which included copies of my drivers license, utility bills, etc. ) and replied back to them with the information on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they replied and requested missing information including a notarized theft statement and a copy of my original SS card. I could not locate my ORIGINAL SS card ( I am XXXX years old ) but I did send back the notarized statement. Imagine my surprise when I received a letter dated XXXX XXXX, XXXX indicating that this FRAUDULENT account was overdrawn and has miraculously finally been CLOSED. However, US BANK claims that I now owe them {$40.00} in FEES. On XXXX XXXX, XXXX I again called US Bank and their rep " XXXX '' told me that I could either pay the fees ( to make this go away ) or SIMPLY provide another notarized statement, go to my local SS office to get my replacement SS card ( which I would receive in the mail in 2-3 WEEKS ). Resubmit and hope for the best. My questions is WHY COULDN '' T US BANK just close the account XX/XX/XXXX before the fees were incurred? I ca n't help but think this is just a scam. Unfortunately, I have had my identity compromised twice before, and I have never had to deal with this situation. I simply called and closed the accounts immediately.
Product: Checking or savings account

I opened an account with Citi last year. The initial deposit didn't go through due to computer system error. I was told that I can deposit later. I received a bill for the monthly maintenance fee as well as overdraft fee even though I never used the account and I was not able to make a deposit, due to a bank error. I tried to dispute the charges but the bank refused and closed my account instead. I demand the account to be opened immediately at {$0.00} balance or I'll seek Justice via trial by jury as granted by the 7th amendment. It's shameful, unfair and frustrating to have my financial reputation ruined due to a bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advise that this account was recently deleted from my XXXX  Credit  report due to identity fraud. The account ( XXXX XXXX XXXX  # XXXX ) was previously owned or placed in collection on behalf of XXXX XXXX whom apparently has sold this fraudulent debt after being notified from myself and XXXX  to MIDWEST RECOVERY SYSTEMS. Now this same account with a balance of {$150.00} is reporting on my XXXX  credit file with MIDWEST RECOVERY SYSTEMS as the collector. There are several violations due to this activity. XXXX  is at fault for re-reporting fraudulent blocked information. XXXX XXXX XXXX is in violation for re-selling a debt that was from the direct result of identity theft. MIDWEST RE COVERY SYSTEMS  failed to send any initial 5 day notice of them taking ownership of the debt before placing on my credit file. This debt must be removed or I will consult with a consumer attorney ASAP!
Product: Debt collection

I sent a certified letter out on XX/XX/2018 asking could this company validate my debt. What I received back did not validate the debt. I received an itemized statement instead.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by TransUnion, XXXX, and XXXX regarding the following debt collection accounts which were being inaccurately and innocuously reported : XXXX ) XXXX XXXX -- XXXX {$4400.00} XXXX ) XXXX XXXX XXXX XXXX -- XXXX {$590.00} XXXX ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, XXXX, TransUnion XXXX and XXXX continue to XXXX and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which TransUnion, XXXX, and XXXX are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see that there are some inaccuracies on my open auto loan with XXXX XXXX XXXX. My account number is XXXX. I have reached out and mailed a letter to XXXX XXXX XXXX on numerous occasions requesting that they update my account to paid as agreed based on the terms of my repayment plan. When starting the repayment plan, I was told that there would not be any late payment reporting to my account and that I would only incur interest fees and late charges, but the account would be marked as current as long as I pay based on the terms of the repayment plan. The letter was sent multiple times, and nothing has been done so now I am requesting that XXXX, Equifax and XXXX mark the listed account as paid as agreed or current due to this inaccurate reporting. Below is the letter that was sent to the creditor and to date nothing has been corrected. Also attached is a screenshot of the inaccurate reporting showing the payment history as late when it should be reporting as pays as agreed or current starting XX/XX/year> to date.
Product: Checking or savings account

Sunday XX/XX/year> they first replace my phone SIM card hacked my email address, that time i immediate contract chase bank 3 times to freeze my account because i cant access my bank XXXX, they confirm it freeze and advice me visit nearest branch but next day Monday XX/XX/year> XXXX when i am inside the bank some on make a wire transfer my chase bank checking and saving both account money around {$100000.00}. first they transfer {$80000.00} then {$20000.00}. i am really surprise my A/C is freeze and their is a limitation in bank you cant make wire transfer more then {$25000.00} per day but they took {$100000.00} my hole life income in a day, I am inside the branch that time transactions was pending I request to cancel the wire transfer but they dont help me. Chase local employee already told me this is unauthorized wire transfer. I give a complain in fraud department and they give a claim no I have police complain, it's all ready 2 months gone they dont give me any update, Now I visit the branch every week 3 times XXXX hours I spent in the bank still they are investigating.
Product: Credit reporting or other personal consumer reports

I contacted Discove almost 2 years ago when I first saw this pop up on my credit report. They said and freely admitted at the time they could not prove identify of the account I explained that it was not me. There were charges feom XXXX to XXXX. But they did not and the card did not belong to me. I did a report and investigation. Even got legal advice. Did what I was told and Discover finally removed everything from my credit report. Almost a year later it gets added back to all XXXX bureaus after investigations it was removed and deemed identical could not be proven. Now I do no have access to the account nor do I want access. But I spoke with an attorney again amd they made it clear to me that this needed to be removed. It had already been removed. Discover apparently disputed the charges back with individual business and reciebed there money back. Then after the disputes where over and the business paid them back they add it back to my report. I have posted the proof. I'm sure ypu have access to the proof showing it removed. PLEASE HAVE THEM REMOVE THIS REPORTING ASAP or I will have no choice but to take further legal action. As now this is stopping me from buying a house. So there inaccuracies and incorrect reporting is now having a huge impact on my way of life. SO AGAIN REMOVE IMMIEADTLY PLEASE
Product: Credit card or prepaid card

In XX/XX/XXXX, I signed up for CareCredit for my XXXX XXXX. The XXXX cost {$3600.00} and the clinic that operates on my XXXX telling me I can apply for CareCredit for XXXX interest-free payment plan. I accepted the offer without knowing that my auto-payment plan was on minimum payment that won't pay off my balance by the end of XXXX months. 

I've always assumed that the balance will be paid off without checking. Until recently XX/XX/XXXX is when I realized that my balance has been slowly increasing each month due to fees and interest since my offer expired. That prompted me to look for ways to resolve this with CareCredit and that is when I found the case in XXXX against CareCredit about the non-transparent practice of such kind of loan XXXX https : XXXX ). 

On my bank statement in XX/XX/XXXX, my balance was {$3200.00}. XX/XX/XXXX became {$4100.00}. And now my most recent statement in XX/XX/XXXX is {$4600.00}. I have not missed any payment, totaling {$2500.00} from XX/XX/XXXX till XX/XX/XXXX. The only reminder I got about the offer expiring was the one line in the email in XX/XX/XXXX with my balance saying the promotion is expiring soon. I contacted CareCredit for a settlement for paying off the loan with a discount but they said my loan is not qualified for the settlement. I felt that CareCredit did not make any effort of helping me decreasing my balance, and it seemed to me they'll happily never let me know I would have never paid off that loan.