23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo claims to have responded to numerous prior CFPB complaints regarding missing remediation payments in the amounts of {$3700.00} plus IRS taxes and {$500.00}, also including IRS taxes. I've reviewed replies and they either refer to checks as cashed and or verify address, refer to prior replies which also state the same, checks cashed and or address verified. I can assure the CFPB address was not verified and checks were sent to old address in which case, not cashed by myself. I moved to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XXXX of 2020, payments were sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Further, neither payment covers damages sustained to date by these unauthorized accounts, which I detailed in prior complaints, also unresolved. The payment in amount of {$3700.00} was reported to IRS for tax year 2020, needs to be corrected to show no payment received. Needless to say, past CFPB replies do not address issue of missing payments and inadequacy,, also stated in prior replies which Wells Fargo reps have not refuted. Further, no affidavit for checks cashed fraudulently sent to me.. Also, I requested statement copies mailed to me for all accounts, past and current, nothing received to date via postal mail. These statements are needed for investigation by an attorney.. Alternatively, Wells Fargo has the opportunity to resolve matter by offering a reasonable settlement amount including missing payments which I detailed in prior CFPB complaint, no offer provided. Good faith attempts were made by calling Wells Fargo remediation at XXXX, spoken with several supervisors including a XXXX and XXXX, they have no information in regard to missing payments or request for reasonable settlement offer to date. Also, I've been calling Wells Fargo Executive Phone Bank at XXXX, spoken with numerous reps, referred to either XXXX Settlement which has nothing to do with remediation or given a case number in which case, nothing done, case closed out with no resolution.. In closing, please advise Wells Fargo they still have an opportunity to resolve directly by offering a reasonable settlement amount including missing payments.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX XXXX opened an IRA account at XXXX  XXXX in XXXX, GA. The deposit was {$2000.00}. The certificate number is XXXX. Subsequent to the deposit, XXXX XXXX was bought by Nations Bank in XXXX, which later became Bank of America. We have taken the paperwork we have to Bank of America to cash out the account. Bank of America says they have no record of the account, notwithstanding the fact that we have the paperwork. Bank of America told us the only have to keep records for 7 years and don't know what happened to our account since acquiring XXXX XXXX. We have checked with unclaimed property in the State of Georgia and no funds from Bank of America have been turned over for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and saw that there's still this unauthorized inquiry that I want to be removed from my credit report.
Product: Credit card or prepaid card

It appears someone opened an account at a clothing store in my name a few years ago. I have tried contacting Capital One numerous times to get this off my credit. They keep saying that since the address matches mine then they are not doing anything about it. I have not lived at said address for over 4 years. 
I tried to call them this morning to get this taken care of yet again and now they are saying that I had called in back in 2019 on the account and that it is mine. The only time I have tried to call about this account is to get it taken off as it is not mine. 
I have tried for over a year to get this account taken off as it is not mine. They can not provide me the documents or anything that this is mine. I need help getting this off my credit.
Product: Credit reporting

I received an email from equifax stating that XXXX XXXX was deleted from my credit file. I checked my credit report today online and I saw that equifax failed to remove XXXX XXXX off my report. So I called and spoke with a representative and they stated they do n't see the letter that I was sent in there system and that the only thing they could do was start another investigation for the third time which is totally unacceptable and we 'll be young the 30 day mark.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Apt XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Dispute of Incorrect Account Opening Date Dear XXXX XXXX XXXX, I am writing to formally dispute the incorrect account opening date reported on my credit report with your institution. According to my records, the account was opened on [ XX/XX/XXXX ], but my credit report ( or your records ) incorrectly lists the opening date as [ XX/XX/XXXX ]. According to my records, the original creditor ( XXXX XXXX XXXX XXXX that the financial history in regards to the collection started on [ XX/XX/XXXX ] This discrepancy XXXX negatively impact my credit history, and I kindly request that you investigate this matter and update your records accordingly. Enclosed, I have included copies of relevant documents, such as account statements or confirmation letters, to support my claim. 

Please correct this error and notify the credit bureaus of the updated information. Additionally, I request a written confirmation once the correction has been made. If any further information is needed, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring the accuracy of my account information. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

XXXX XXXX had my child support payments deposited into accounts that he was not intited to, according to USAA XXXX XXXX put my name As a profile as we were married in which we have never been married. When I talked to a XXXX from the fraud department she stated there was multiple accounts that had me as a profile as spouse but I did not have access to the bank accounts. According to her statement since we resided together during that time they were going to treat as we were married and he was intitled to my child support payments and other deposits that are unknown to me at this time. When I asked for a copy of the bank statements I was told she is not able to give me those bank statements due to my name is not on the accounts. When I asked XXXX how can someone deposit money into a account that does not have my name on the account that I do not have access to. I was told if I wanted a copy of the statements I would need a court order. She also stated he also had me as a spouse under there auto insurance policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax concerning a collection account by XXXX XXXX and XXXX XXXX. The same company. At the same time I sent a Certified letter to XXXX XXXX XXXX wanting a " proof of claim ''. I also sent a " cease and desist order '' to them. They did not supply any proof of claim and ignored the demand. During this time XXXX XXXX XXXX AKA XXXX XXXX sent a notice to Equifax saying the collections account was valid. They did not supply ANY PROOF of their claim. Equifax says the collection agency is not required to do so. This is completely ludricrous. That the most dishonest agencies on the planet are allowed to ruin somebody's credit and all Equifax has to say is they report what a collection agency says whether it is correct or not. On XX/XX/2017 my credit score rose by 28 points back to what is was before. But Equifax left the collection agency on my report. After I told Equifax I am disputing the collection agency 's results and told Equifax that I was filing a complaint with the CFPB they immediately lowered my credit score by 28 points the same day. It is completely clear Equifax is Retaliating against me for daring to say they made a mistake and demanding another dispute be filed with the collection agency. Equifax does not have the legal right to retaliate against me for daring to not agree with them and demanding they fix the situation immediately.
Product: Credit reporting or other personal consumer reports

XXXX date- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Company/date- SpringOakCap XX/XX/XXXX Company/Date - XXXX XXXX  XX/XX/XXXX The accounts above are fraudulent and is not mine.
Product: Debt collection

XXXX XXXX, XXXX. Pursuant to FDCPA 809 I requested XXXX XXXX XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.
Product: Credit reporting or other personal consumer reports

The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below have reported several errors. I have disputed all of the items below and as, yet nothing has been done. I have filed an extended fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information in my report has caused defamation to my character. 

Comenity Bank/NY & Co
Product: Debt collection

Nordstrom TD Bank keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Credit card

I got a letter from FORTIVA that I had a new credit card with their company that I did not request. First, it caused my credit score to go down and this is how I found out FORTIVA opened a credit card for me. 

I called the company to demand this credit card be closed immediately. FORTIVA said that was NOT POSSIBLE! 

About a week later I learned that FORTIVA had taken a zero interest pay off for security equipment that I was paying XXXX XXXX month with no interest and moved it to their credit card with a 25 % interest rate. FORTIVA does not have the right to change the payment term of the agreement. 

I want FORTIVA to correct my credit and return the balance to a month payment with no interest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting fraudulent information on my credit file ... Items were removed in XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from XXXX on XX/XX/XXXX accounts that have been disputed multiple times ... The XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on XXXX 2 times between XXXX and XXXX. The file isn't reporting per XXXX  so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. XXXX  sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from XXXX stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and XXXX  never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX  # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. XXXX has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely XXXX is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.
Product: Debt collection

Ask company not to call me before XXXX because I'm at work and cant talk, every phone call is before XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I ran my credit report and discovered multiple accounts showing medical debts. I mailed off a letter requesting debt validation within 30 days to the collection agency on XX/XX/2022. I spoke with the agency via telephone in late XXXX and was advised they received my written request. They failed to send any validation of debts. I again mailed off a letter certified on XX/XX/2022 requesting debt validation within 15 days. The letter was received on XX/XX/2022. The XXXX agency has once again failed to provide debt validation. The USPS tracking number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on my credit report and asked for proof of validation or remove the account. They never provided proof of validation and still have the account on my credit report.
Product: Debt collection

I am filing a complaint against LVNV Funding LLC regarding a collections account for {$1400.00}, originally from XXXX XXXXXXXX. Despite my inability to repay this debt, LVNV Funding LLC continues to report this account on my credit report, which is causing substantial and ongoing harm to my XXXX XXXX. 

LVNV Funding LLC has been harassing me with daily calls from different phone numbers, which violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, prohibiting conduct that results in harassment, oppression, or abuse. These actions are causing significant XXXX  and XXXX  
Furthermore, LVNV Funding LLC has not provided proper validation of this debt as required by the FDCPA, 15 U.S.C. 1692g, including proof of the original agreement with the creditor and their legal right to collect. Without this validation, their continued reporting of the debt is misleading and harmful. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and collectors are obligated to ensure the accuracy of the information they report. The ongoing presence of this unvalidated debt on my credit report is both inaccurate and unfair. 

I request that LVNV Funding LLC immediately cease all collection activities and remove this account from my credit report to correct the ongoing inaccuracies.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I received notification from PayPal that I needed to upload various types of information for unknown reasons to prove my identity. I have been a customer and online seller using PayPal for over XXXX  years. I did upload to there portal my last years tax return for my business which matches all current business information they have. 
I received a reply that they need more information like my social security number in the form of an actual image of my social security card which I don't have. Since the business I operate is a partnership with my wife, my social security number has nothing to do with proving my identity. 
I have not used PayPal as a service since XX/XX/year> and after XXXX  days of an inactive account they should have released the remaining funds to my bank account on record, the same XXXX for XXXX  years. 
Last week I requested to close my account. They responded that I have to first prove my identity than they can close my account and will not release my funds of approximately {$2200.00} till then. 
I believe PayPal keeps customers in an endless loop of customer online XXXX to keep customers money till they give up. This is extremely poor customer service and must be illegal to withhold funds even when the customer wants to close their account.
Product: Credit reporting or other personal consumer reports

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

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

accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 an account without my written instructions.
Product: Credit card or prepaid card

I was sent a credit card in XXXX that I was told I applied for in XX/XX/XXXXfrom BBVA Compass. I am sent new debit cards very regularly so I assumed it was a debit card. I only realized it was a credit card when I received the statement in XXXX asking for a minimum payment. I called immediately to find out what happened. I canceled the card as soon as they explained the situation to me. I spent 4 hrs being transferred from one dept to the next over the next two days only to have nothing resolved. I explained that I want to pay the ballance but can not do so in the time frame they set up. I do not want to pay fees or interest. I am XXXX XXXX XXXX and have never had or wanted a credit card. My credit is very good and I 'm responsible with my money. I asked for some resolution in this matter but just kept being transferred to another dept over and over again. I 'm afraid this account will go into default resulting in a negative impact on my credit score. Please help any way you can. I feel the card was sent to me without me applying for it. It seems to me there is some deceptive practices being done.
Product: Debt collection

On XX/XX/2020 Medical Data Systems INC, added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, MEDICAL DATA SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment
Product: Credit card or prepaid card

I have continuously tried to reset password in which I was successful in doing so multiple times, paypal is preventing me from accessing my account although I have successfully reset my password. This seems to be retaliatory for prior complaints, and aimed at preventing me from accessing my funds which are available on my card and those which are being held.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XX/XX/XXXX
Product: Credit card

Hi as I was away out of the USA my twin sister XXXX XXXX stole my identity along with my social XXXX XXXX open a fraudulent account with Capital One I trying apply for a new credit card they denied me stating I have a delinquent account I had XXXX account that I closed in great standard of a XXXX Balance as I sent Capital One informing this company that I didnt open no account nor did I maxed out my credit cards Capital One needs to clear any delinquent accounts thats fraudulent XXXX trying to apply for An new credit card XXXX not giving the opportunity of doing business back with Capital One which its not my fault. I attached a confession email from my twin sister admitting she stole my identity.