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 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 : 1. XXXX XXXX XXXX ( XXXX ) 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 CREDIT BUREAU 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: Debt collection

Company calls numerous times per day. Either hangs up or asked for a name info not recognize. XXXX Penn Credit
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I XXXX XXXX initiated a wire transfer from my brokerage account XXXX  account from Account # XXXX ( XXXX ) XXXX in the amount of {$85000.00} to. Please be advise the intended recipient was suppose to be as followed from XXXX ; Account ; XXXX XXXX Account # last 5 digits # XXXX routing # XXXX XXXX  ; XXXX XXXX XXXX ; East West Bank Address ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Federal reference XXXX XXXX XXXX on East West Bank for depositing a check made out to XXXXXXXX XXXX XXXX while the intended account holder is XXXX XXXX this check should have never been deposited under the incorrect recipient. 

Complaint The Consumer ; XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX is asking to forward the Check back to either XXXX account XXXX ( XXXX ) XXXX due to lack of Service nor Goods receive, the severity of this complaint negligence on part of East West Bank depositing funds into the wrong recipient, which should never had occur. 

XXXX has made an effort to recall funds under case # XXXX not once but several times dates are as followed all year XXXX ; XXXX XXXX XXXX XX/XX/XXXX after XXXX attempts and a certified letter from XXXX XXXX addressed to the East West Bank. The Bank has not cooperated in returning the funds to the rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting on my credit report as a collection, and I did not open this account. This is clearly a result of identity thief and this need to be removed off my credit report.
Product: Checking or savings account

I have a problem with Chase bank. I won a substantial amount of money through a XXXX XXXX XXXX XXXX which is not illegal in XXXX XXXX XXXXXX/XX/XXXX I won a bet for XXXX and XXXXXXXX XXXX XXXX wired the money to my Chase account. On XX/XX/XXXX, I went to Chase bank in XXXXXXXX XXXX to get a cashiers check for XXXX XXXXXXXX because I wanted to purchase a vehicle. I was told to go to my branch in XXXXXXXX XXXX. Thoughout the day I tried to use my debit card to make purchases, and it kept getting declined. I called the bank to find out what was happening and I was told the account was frozen, because of possible money laundering, and they wanted to know who wired me the money, because " it didnt have my name, and they needed to verify that the money was for me ''. They also told me that they needed proof from the sender that the money is intended for me, that included my name, and that the wired was intended for my chase bank account from XXXXXXXX XXXX XXXX 
I contacted XXXXXXXX XXXX XXXX  through customer support chat. XXXX  sent me an email with the amount, date and reference number of when I withdrew my winnings. I contacted XXXX again and the account team from XXXX told me they will deal with this issue. on XX/XX/XXXXXXXX XXXX sent me an email which is addressed to me with the listed transactions which include a reference number the financial institution " CHASE BANK '' and XXXX XXXX book as well as date of transaction. I went to the bank on Monday XX/XX/XXXX, to show them the proof, The lady at the bank called the fraud dept, and they told her they were having technical dificulties, and it will take about an hour for their issue to be resolved, but the bank was closing in an hour. The lady at Chase told me that she will contact in the morning of XX/XX/XXXX, when I spoke to her, she told me that the document is not good enough, because it does not have a phone number. I told her all you guys asked for was for proof that the money was for me and that they were the ones that sent it. Which clearly shows my name on the email and Fanatics sports book. She said she will contact someone above that dept to assist us. she contacted her boss, who said that I have provided enough proof and that they dont understand why fraud dept is not being cooperative. I was told that they will contact me on XX/XX/XXXX. on XX/XX/XXXX I just tried to sign into my Chase account and I see that there is {$0.00} balance and my account has been closed, when they told me that I will have until XX/XX/XXXX to provide the proof or my account will be closed but they closed the account as of XX/XX/XXXX.
Product: Debt collection

Fidelity Capital Holdings , IncXXXX dba Fidelity Creditor Service is a debt collector as defined by Cal. Civ. Code 1788.2 ( c ) and that the alleged debt is a consumer debt as defined by Cal. Civ. Code1788 ( f ). They are therefore subject to the provisions under the Rosenthal Fair DebtCollection Practices Act ( RFDCPA ). Their collection letter ( s ) are in violation of Cal. Civ. Code 1812.700 and 1812.701 which require specific language to be included in such collection letters, with specific and conspicuous formatting. The letter ( s ) received contain no such language or formatting. As stated in Cal. Civ. Code 1812.702, any violation of these provisions shall be considered a violation of the RFDCPA. 

Fidelity Capital Holdings , Inc. dba Fidelity Creditor Service, through its agent XXXX XXXX XXXX, laughed off our complaint, called it entertaining, and hung up the phone after I called to resolve the matter.
Product: Credit reporting

In 2015, I ordered workout items from XXXX Co. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$93.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a conns account i am paying monthly on it i was told i did not have a payment due for XX/XX/XXXX and i did not get any calls for XX/XX/XXXX i started getting calls every day iin the beginning of XX/XX/XXXX stating my account was past due i talked to a rep and he told me what i needed to do to call back on the XX/XX/XXXX and make a payment and request for a forgiveness so it would lower my payment and it would bring my account current, So i called back made the payment he stated my account was current the payment was made for XX/XX/XXXX, and XX/XX/XXXX i wouldn't have a payment due until XX/XX/XXXX, ok so a couple days after i was getting harassing calls EVERY DAY EVERY HOUR saying my account was past due, i would tell he rep the same story every time, they always said they fixed it this went on for about two weeks and every time it was fixed but apparently it wasnt so i finally asked to talk with a supervisor i talked to the supervisor and he hung up on me, then i finally got a hold of another one who said he took care of everything and my account is current and they will submit for it to be taken off my credit, That was a month ago and its still showing on my credit as being late but now it says its late 5 month!!!! I have been paying every month on time i have the receipts but cant attach them its not letting me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I personally sent a letter to Transunion letting them know that there were a number inquiries on my credit report that I did not authorize and would like to be removed immediately. It is now XX/XX/2022 and I have yet to hear from Transunion.
Product: Checking or savings account

I am a victim of fraud and theft. I notified my bank as soon as I found the theft. I was temporarily refunded the money. Well due to some of the theft being older than 60 days, ( back in XXXX and longer ) the bank has decided that the most two current stolen ATM withdrawals are beyond the 60 days even though they only happened 45 days before I notified them. The bank has decided to retake the money back that was stolen from me. All because XXXX  has been stealing money from me since XX/XX/XXXX of 2022. Which I had no knowledge of until I found the stolen ATM money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I have spoken to SEVERAL representatives and they will not help me .... there are inquiries that were deleted BACK ON MY REPORT .... as well as a   XXXX   XXXX     XXXX  account that was deleted HAS BEEN REINSERTED ON MY CREDIT REPORT ... ... my good credit card accounts were irroneously deleted as well as some are reporting WRONG INFORMATION ... I would like ALL THE INQUIRIES  XXXX   XXXX  ACCOUNT DELETED as I told the representative that IT IS AGAINST MY RIGHTS AND THE FAIR CREDIT REPORTING ACT TO REINSERT DELETED INFORMATION
Product: Credit reporting or other personal consumer reports

I was in utter disbelief and distress when I saw inaccurate accounts listed on my credit report this morning. This is unusual since I check my credit report regularly, and suddenly there are discrepancies that I didnt expect. I tried refreshing my browser thinking it was a simple malfunction, but the errors didnt disappear. Therefore, I am asking for a thorough review of the documents I have provided so that I can be assured this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Product: Vehicle loan or lease

Car was paid off in full, they were sent over payment. They kept overpayment on a closed pair in full, had the money since XXXX, its almost XXXX never got contacted about it. Contact them says it no check after I have check number an date they cash it, now they see it an be sent out. Still have not received. Called said it was never processed
Product: Credit card or prepaid card

This is a complaint against Capital One. I paid my card in full before the due date. The credit card company charged me {$160.00} in interest claiming that the balance accrued interest between the date they issued me my bill and the date I paid my bill, which to be clear, was on time and was NOT late, something they willing acknowledge. I called them to clear this up, and after speaking to two people, they hung up on me. Not for yelling at them, but because they just " didn't have anything they could do for me. '' They maintain I owe them this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all three bureaus. And I did the dispute process. They acknowledge that XXXX  reported the debt was sold to another company and therefore XXXX  DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).
Product: Debt collection

Discrepancy in Credit Report - Request for Resolution Dear CFPB I am writing to dispute an erroneous entry on my credit report that is negatively impacting my credit score. The inaccurate information in question is related to debt on my account, and is associated with RESURGENT/LVNV FUNDING. 

Account # : XXXX Bal {$700.00} Date : XX/XX/XXXX Account # : XXXX Bal {$1700.00} Date : XX/XX/XXXX I have thoroughly reviewed my credit report, and I can confirm that this item is not mine. I have never had any financial dealings or accounts with RESURGENT/LVNV FUNDING, and I have consistently maintained a responsible financial history. The appearance of this item on my credit report has caused considerable distress and potential harm to my creditworthiness. 

I have attached a copy of my credit report highlighting the inaccurate entry for your reference. I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes removing the erroneous item and updating my credit history accordingly. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. I also request that you notify me in writing of the results of your investigation once it is completed. 

Please be advised that this discrepancy is negatively impacting my ability to secure credit, loans, and financial opportunities, and I trust that you will handle this matter with the utmost urgency and diligence. 

Thank you for your prompt attention to this matter. I can be reached at. should you require any further information or clarification. I look forward to a swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph : XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX Balance : {$930.00}.
Product: Credit card

Noticed late fees being charged even tho I'm on autopay and would like them refunded. I have talked to the company numerous times and they always push it off that they should have a response in 72 hours. This has been going on for over a month now with no solution. They have been charging me late fees since XXXX of 2024.
Product: Debt collection

Today I found out a company called Carmel Financial Corp but a lien on my home for a water system that was sold to them from XXXX XXXX. XXXX was files XX/XX/year>. I was never told that my home would in danger of being taken if debt was not paid by XXXX XXXX or company that came to my home. Contract was not explained to me correctly. On XX/XX/year>, they filed lien and never sent me paperwork. I was not able to even fight.
Product: Credit reporting or other personal consumer reports

I recently noticed that I have 8 late payments on my consumer credit report also an incorrect address. 

ACCT XXXX XXXX XXXX XXXX  # XXXX 8 unauthorized late payments Personal Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian is in clear violation of 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances ( a ) IN GENERAL : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
{ 2 } In accordance with the written instructions of the consumer to whom it relates. 

DID I GIVE YOU WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT? 

furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSION S - Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments an accounts from my consumer report, this agency is in violation of 15 USC 1681.

,
Product: Debt collection

On XX/XX/2022, Global Asset Agency added a negative credit line to my credit report for a debt that they had never contacted me about or provided information to me prior to this being added. 

I have no knowledge of this company or the debt it refers to. 

I tried multiple times to dispute the debt and receive verification, but only was able to receive a canned reply from XXXX " this company has certified this information as being accurate. '' Seeing as how I don't know who this company is, what the debt is, and now they've dinged my credit and are affecting my ability to get additional credit, that is a frustrating response and I believe illegal since they didn't provide information prior.
Product: Credit card

Back in XXXX of 2024 I had my XXXX account hacked and used to purchase tickets to an event for over {$1600.00}. I immediately notified both the merchant and my bank of the fraud. I was issued a new physical card and new digital card and had my account locked. XXXX has since confirmed to me via webchat and email that my account is now disabled due to the fraud yet will not refund me. I have disputed with my bank XXXX times and each time they have failed to do the investigation properly. On multiple occasions I have submitted photos and files from XXXX with them stating it was fraud on my card and my card company will continue to find in their favor even though they have a XXXX  % fraud protection guarantee. At this point I am practically at a loss for what to do next and need assistance. I have the evidence proving fraud yet it seems like my bank and XXXX will continue to lie and deny.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Avant LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear Avant LLC, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by Avant LLC complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX