23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear TransUnion, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the XXXX data breach. The following accounts were fraudulently opened in my name without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : XXXX. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts.

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within 30 days. Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity.

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts
Product: Bank account or service

I opened a new account XX/XX/2016 on a Saturday with Bank of America. The account representative used misinformation to fraudulently and deceptively sale me the idea of opening the account that day. At the time of the {$10000.00} deposit I inquired about the availability of the funds then asked if there would be ANY funds made available. She told me not to worry because {$200.00} would be made available to me that same day after I mentioned that I needed to pay a credit card bill and provide an earnest down payment to a personal seller of a vehicle that I desired to purchase. The arrangement for a small cash payment would be a security deposit while the remainder of the funds cleared. I told the account representative who opened the account that I would just open the account at XXXX XXXX if there would be an issue with providing at least {$200.00} that same day. She again told me not to worry then escorted me to the teller to complete the processing activation of the temporary debit card. The teller then restated that the {$200.00} would be made available the same day on XXXX XXXX that Saturday. To my shocking surprise, I was not able to make a withdrawal until the following Tuesday XXXX XXXX. Unacceptable. I doubt Bank of America makes it a point to train employees to blatantly lie in order to open new accounts with {$10000.00} check deposits. 

I suffered an XXXX due to the fraudulent and deceptive unfair trade practice. I have a XXXX of XXXX & XXXX XXXX XXXX. My symptoms were aggravated as a result of the misinformation causing personal injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXLVNV FUNDING LLC XXXX that listed on my credit report. Further more, this account can not be XXXX % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX XXXX dated XX/XX/XXXX for account # XXXX, requesting any all documentation bearing my signature. Which they failed to do. However in their reply I received back from the company, it shows last payment date of XX/XX/XXXX, along with a transaction summary regarding a completely different account number and name on it. I have also disputed the three credit bureaus which say the account has been verified. I demand that this account be removed from my credit file immediately,
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over 7 years and can not even be verified. I have disputed with no action taken by the credit agencies. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two problematic issues with my credit there are 2 inaccurate things on my credit.

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account.

2. Portfolio Recovery shows on XXXX  & XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.
Product: Credit card or prepaid card

This Comenity account was opened at XXXX in XXXX XXXX CA XX/XX/2022 with a balance of {$290.00}. That same day I attempted to pay the entire balance through the online system but was told I couldn't because the online account hadn't been created yet. I wanted to avoid any possiblity of late fees so after many hours on the phone that day, a supervisor suggested I mail a paper check for the entire balance. I did so and that check was cashed by Comenity on XX/XX/2022 ( bank statement attached ). Apparently, internally within Comenity, the money was posted to the wrong account and they started charging me late fees. The money did not reach the correct Comenity account until XXXX of XXXX. They continue to charge me late fees and finance charges despite having the entire balance received within 18 days of the account being opened. I have made approximately 10-15 phone calls and sent approximately 10 emails including the bank proof that they cashed the check on XX/XX/2022. I have asked many times to speak with a supervisor but repeatedly get disconnected in the transfer or left on hold for hours. The online messaging system has been equally unproductive. I am also enclosing the email conversations I have had with Comenity. I have closed this account but it still has a balance due from inappropriate late fees.
Product: Mortgage

On XXXX XXXX I started business with AmCap LTD out of XXXX Tenn. XXXX XXXX was my  representative. On XXXX XXXX, XXXX, after going through the loan process and being told we were good to go and jumping through every hoop they required we were told they no longer can do my loan due to the company pulling their licenses in MD, DC  and Va. Closing was supposed to be on the XXXX. I was told this after an FHA inspector, cost of {$580.00}, that AmCap contracted and I paid was sent to the house we were buying and told us everything was ok and we did a pre-occupancy agreement and had to put money down to the seller to move in before closing. Now after discovery, we found the house has mold and an oil tank in the basement and are being told to vacate after only 18 days of residing in the house and after the seller taking XXXX of my money that was supposed to be sourced as down payment. My wife is XXXX and all parties knew of this. I do n't understand how a mortgage company can get so close to closing and all of the sudden say they ca n't complete the process because of licensing.
Product: Money transfer, virtual currency, or money service

I wired {$20000.00} from my XXXX account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX Receiving Bank Information Bank of America Association Address : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX I emailed Bank of Ameria but never got response. I also contacted XXXX but XXXX gave no response either.
Product: Credit card

I had to close my bank account due to transaction issues and I'm going through financial hardship and the late fees keep coming. I believe that I will never be able to catch this account up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my bank loans and my bank told me my credit file was blank with someone elses name and some medical bills from another state that were not mine. I was told I couldnt get any more loans until I rectified the situation with Equifax and was provided a number. I called equifax and a few weeks later a Received a letter saying they removed a name for my credit report and that is the only notification I received. I am relocating from XXXX XXXX XXXX. I applied for housing and was denied. The denial was because of my credit report with Equifax. I tried to obtain my credit report online and was unable to so I called Equifax and was told there was a fraud indicator and a freeze placed on my credit file and I did not request any of this Equifax can not tell me who requested it and can not tell me when it was placed I am told I have to wait 24 hours and then I have to wait four days to receive a copy of my report and score in the mail I am currently in an uncomfortable position unable to get housing because of this
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account.

The Date of Last Payment made on this account.

The Date of Charge-Off for this account.

I would appreciate it if you could provide this information in writing. If additional documentation or authorization is requifad to process my request, please let me know at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out XXXX on 3 separate occasions about this debt being incorrectly reported by PORTFOLIO RECOVERY ASSOCIATES. I have also reached out to portfolio recovery as well. The date of first delinquency has been WELL over 7 years, and when informed of this, and told that the last activity on the account was almost 8 years old. Inspite of this, XXXX has not verified the accuracy receiving nothing from original creditor ( XXXX  XXXX ) or account summery when last activity was, only asking PORTFOLIO RECOVERY ASSOCIATES to verify. PORTFOLIO RECOVERY ASSOCIATES fraudulently reported incorrect dates that have no documentation to verify the accuracy from original creditor. Only items provided was that there was delinquency 's from XX/XX/, but nothing on the status prior, because it would show there was delinquency then as well making the debt much older then is allowed to be reported.
Product: Debt collection

I am a XXXX XXXX XXXXXXXX class member and the terms of the settlement are not being followed correctly. I was entitled to a full discharge, I only received a partial discharge. Please see additional PDF. I also am owed a refund of {$1200.00} for money out of pocket to attend classes at XXXX as part of a transfer program while attending XXXX. My classes at XXXX were taken coordinating with a transfer over to XXXX, so they need to be included in this settlement, as well as loans transferred from a company called XXXX that were not mine and are a part of the XXXX XXXX XXXX settlement for loans in 2002. See PDF for full explanation.
Product: Checking or savings account

I applied for a loan online, they were called XXXX XXXX with XXXX, which they XXXX, they were impersonating. They said I was approved for a loan up to {$10000.00}, they just needed to make a small deposit first, which ended up being {$1900.00}. Then the next day I had to XXXX  them that amount back, or go to XXXX and use a bar code, which I chose to XXXX. So, they just needed to work with the credit reports, and then I would receive my money. They called back later, and said they needed money for insurance for the loan, because it was too big of an amount. So, I knew it was a scam at that point. And, I canceled the loan. The next day I got a returned check for {$1900.00} in my bank account, and I had a negative {$650.00} balance. My bank was regions, and they are closing my account, and putting a block on it, due to fraud, they came to the conclusion, that it was my fault, because I gave my online credentials. So, in the future it will be difficult for me to open checking or savings accounts, because of this fraud. These people were operating falsely using a well known financial institution of XXXX. They need to be reported, and I need that fraud tag removed. I was a victim, I just made foolish decisions
Product: Student loan

I have a Parent Plus Loan that is handled with Nelnet, and I have not been able to access the account since XXXX. I have been logging onto the app intermittently to attempt to make payments, however it has been giving error message after error message. With loans unfreezing and interest accumulating, I am not sure I can afford to simply wait it out. I would like to be able to both see and access my loans at the moment, but the app and the website are not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

ED financial services I have called and spoken to on many occassions. In XXXX of XXXX I called and was told my account payment due would be froze due to hurricane. On my credit report it is showing a late or missed payment for this month. It was always told to the previously loan holder XXXX XXXX as well who didnt fix it. I have tried dozens of times. Please remove this from all credit reports. I should have no missed payments on this. Correct it or face civil legal action. The company last we spoke said they would fix it this was on XX/XX/XXXX when we last spoke. The rep said she would put plenty of notes and agreed she say the previous notes from XXXX showing i called in but it wasnt processed right. Its impacted my credit ever since. Please remove it and provide me a hard copy mailed letter and pdf attachment as well showing removed and no late payments or missed payments ever on this account. Thank you. Please also supply me legal subpoenas mailing address for my demand letters and future attorney mailings.
Product: Vehicle loan or lease

The listed price for the vehicle is not listed in my contract, TILA wasnt disclosed, the mileage in the contract wasnt the mileage on the odometer, I was rushed into signing to discover the saleswoman printed my name on a page in the contract, I wasnt given the option to opt of GAP when I already had insurance
Product: Credit card or prepaid card

I had an account wi th M & T Bank which  included a credit card that I never used. I went to my bank on  XXXX   XXXX ,  XXXX , PA  XXXX  and closed my account approximately 3 months ago. I was assured that it was closed with no balances due and the teller even offered to cut up my card, which she did. I have now received a call from a debt collector indicating a past due amount on the credit card. I also noticed that m y credit score recen tly took a dip and now suspect it was due to their action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for XXXX but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with Experian. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile.

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {XXXX per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, XXXX XXXX
Product: Mortgage

I submitted information online with Bank of America when I lost my job to see what they could do for my mortgage. They asked for documents from me including my wife 's paystubs and copies of the benefit info for unemployment and food stamps that we are receiving. I submitted this all to them. A month went by with no contact from them and then suddenly I got a letter telling me they needed more info and I was being thrown out of their modification process. After the initial document request I had zero contact from them. 

Now they ; re asking for the exact same documents again to start over that I already submitted once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 o ther Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.
Product: Debt collection

Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. 

Personally, the debt have been charged off in 2011. I suffered economic loss from XXXX forward to XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. 

I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00}