23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Notification of Identity Theft to Financial Institution and Credit Grantors XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fraud Department : XXXXTRASNUNION RE : XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX has done already.

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity.

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information.

The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX

Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile.

Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency.

Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account.

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience.

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took my funds on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I use this banks atm every month and on the date listed above I was pulling XXXX dollars from my debit card. Well the atm didn't open to give me my funds you could see the currency, but couldn't take it. So i went into the bank and told an banker who came out to help, but was unsuccessful. Seeing what just happen she told me she could give me my funds, but upon learning that I wasn't a customer nothing was done.Told to call my bank which had no part in this. I have only one source of income and that's it so because of their atm and negilegence I'm facing being homeless and having no lights.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite this debt being in dispute and its unliquidated character you continue to affirm inaccurate facts on my credit report. You have an outstanding amount due on my loan portal of {$13000.00} last month and {$15000.00} this month. Obviously you have not been paid. But you report you have been paid off on my credit report. That is inaccurate. XXXX XXXX XXXX XXXX, NY XXXX Recently reported the debt as paid. Nope. Not paid. Not yet. Prove it with a payoff statement. U cant. XXXX XXXX has yet to hold this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXXXXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXXXXXX XXXX  : XXXX : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my XXXX XXXX. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was XXXX XXXX XXXX whom reported. I contacted XXXX XXXX XXXX XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a XXXX mother with XXXX whom have XXXX and XXXX. As well as I am living in a XXXX XXXX from XXXX XXXX  benefits and department of XXXX assistance. XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my Comenity Bank debt. XXXX informed me that as of XX/XX/XXXX Comenity Bank is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XX/XX/XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX  responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted Comenity Bank and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through Comenity, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about XXXX XXXX number just being sent to different agencies without my consent.
Product: Prepaid card

XXXX I requested my Wisely account closure- I was advised it was closed- I changed my ADP acct number to a personal acct - within 24hrs Wisely attach to my ADP- I then delete wisely again from my ADP and add my personal bank acct XXXX I requested my Wisely account closure- I was advised it was closed- I changed my ADP acct number to a personal acct - within 24hrs Wisely attach to my ADP- I then delete wisely again from my ADP and add my personal bank acct - the wisely card continues to attach to my ADP for my payroll I only want the account close- Now XX/XX/2023 they are saying I owe them- XX/XX/2023 to day is payroll and I only transferred my pay to my acct-
Product: Debt collection

They keep calling me multiple times saying that I have an escalated status which I think means it went to collection I told them I am in the process of applying disability because of my mental conditions and XXXX but the lady said that I still needed to pay the minimum which was {$120.00} approximately and I said I'll ask my sister to help me pay that amount but she can't because of her situation and I'm left here thinking something might happen or something and I'm barely sleeping worrying about them and them calling me and reminding me is not helping in the slightest bit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXXXXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Mortgage

I believe the company wrongfully deducted money from my mortgage payoff. The amount given a little over {$180000.00}. Upon paying loan off due to selling my home they advised payoff was {$190000.00}. This amount is absolutely ridiculous. I received a check for {$280.00} as an overpayment when it should have been around {$7000.00}.
Product: Mortgage

Took out home equity loan XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX {$50000.00} in Delaware, XXXX XXXX. XXXX  XXXX. This loan was refinanced into XXXX and combined with our home loan, but the satisfaction for the prior mortgage was never received. The company had been sold multiple times and now our home mortgage lender, Shellpoint is saying that we owe them the {$50000.00} in order to release the lien- since we sold the property. I found a letter from XXXX from XXXX XXXX XXXX that had a certificate of assignment on this mortgage. The letter said that there was included a satisfaction for the original HELOC but I can not find the satisfaction. Neither of these companies would respond to my request for the document and have been sold multiple times. The only recorded assignment I found was to XXXX XXXX that sent me a release I CAN NOT find. I do not think that we owe this debt as there is no valid lien for Shellpoint. I need help! The property was sold/transferred to new owner XX/XX/XXXX. 

Shellpoint provided a payoff for the original mortgage and now they are saying we owe them {$50000.00} more. There is no evidence of this debt with them or anyone. - It's so old i don't even have the original loan number.
Product: Credit card

Dispute : XX/XX/XXXX I purchased a flight through a merchant for {$2200.00}. I cancelled within XXXX hours, they agreed to refund me. Billing cycle passes, no refund, I dispute the amount with Citi bank stating the above. 

Citi Bank launches investigation and merchant responds saying they agree to a refund of {$1700.00}, an amount less than the dispute due to merchant 's fee. I agree to this amount, so as to not prolong the refund and Citi Bank sends first letter stating they will watch my account and work on my behalf if the refund the merchant agrees to does not populate. They remove the chargeback and wait for the merchant to refund on XX/XX/XXXX. 

I call dispute center XX/XX/XXXX asking about the merchants refund as it has not posted. They respond stating they can not move forward due to no evidence a refund was owed, even though the merchant put the refund email in the response. I speak to a supervisor on XX/XX/XXXX and she states that I just need to send them the same proof the merchant already sent them. I send them the same refund email XX/XX/XXXX and they reopen the dispute XX/XX/XXXX, stating they will work with the merchant and merchant bank to obtain the credit of {$1700.00}. 

XX/XX/XXXX they give up on trying to obtain the credit due to no response from the merchant. 

I call XX/XX/XXXX requesting a second chargeback on the merchant for the agreed upon refund of {$1700.00}. 

Citi Bank responds XX/XX/XXXX stating they are giving up on getting the credit due to no response from the merchant. 

It has now been XXXX billing cycles. The merchant has not responded or provided the agreed upon refund. Citi bank has agreed they owe me a refund, but has not taken the request seriously to chargeback the agreed upon amount and deliver me the refund they claimed they would help with. This amount of money is very large, and they have not tried to rectify the situation in any way, allowing the merchant to get away with not providing the refund that Citi Bank agrees they owe me. They preemptively canceled the first chargeback with no guarantee the merchant was going to keep to their word, then have no allowed them to get away with stealing from me {$1700.00}.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXXXXXX VA XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX  XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Ava Finance INC continue to violate my consumer privacy rights, hippa rights, trust relations, disclosure and accounting banking law and regulations. Ava Finance fail to properly disclose all accounting on principal account to consumer/ttee/poa. Ava instead choose to without integrity and not in good faith harm and damage the principal. Below are responses previously provided by Ava Finance INC including claiming they're not a debt collector but states they will no longer try to collect on the debt, written off the debt and will not send any more notices of the debt which all sounds like someone collecting on a debt. They're focusing responses on everything but my claims of damage, harm, deception, breach, identity, risk of privacy, hippa, missing disclosures, failure to provide verification of debt and right to collect, mishandling of account, and more. For Ava Finance negligence, unjust intent to gain and dishonorable way of handling disputes gives me more speculation they have something to hide. So now I want to look at all the accountings, create all the necessary investigations as well as be compensated. Below is the last response to Ava Finance AVA FINANCE RESPONSE Thank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while Ava Financial is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on XXXX XXXX XXXX, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), Ava is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your Ava subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX Account XXXX XXXX has violated my rightsXXXX 
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
Product: Credit card or prepaid card

On the dates of XX/XX/XXXX and XX/XX/XXXX I, applied for your XXXX XXXX XXXX XXXX  which resulted in a denial of a consumer credit transaction. Pursuant to 15 U.S. Code 15 U.S. Code 1691 it is unlawful to discriminate against me as the applicant to any aspect of a credit transaction. I can not be denied my own credit that Bank of America is extending back to me, not the other way around. 
Pursuant to 12 U.S. Code 1431 ( a ) you are not legally allowed to extend any credit. You have denied the original creditor, ( myself ) my own credit. The fact that Bank of America is claiming to be the original creditor is considered fraud. As a natural person, I am able to open any amount of open-ended credit plans as I choose to per U.S. Code 15 U.S. Code 1602 ( g ).

You are currently in violation of FDCRA, for the use of my copyrighted property. Since the use of my credit card was used to endorse this consumer credit transaction, I am demanding the use of my open-ended credit plan.

You may also want to train your employees better when they are speaking to consumers about denials. 
I called the credit reconsideration line on XX/XX/XXXX and spoke to XXXX who addressed herself as a senior credit analyst. She stated that my application was denied as a result of a bankruptcy that is currently reported on my consumer report. I explained to XXXX that it was illegal to deny me my own credit based on the fairness and privacy that 3rd parties must exercise with respect to the consumers right to privacy U.S. Code 1681 ( a ) ( 4 ). The bankruptcy should not be reported on my consumer report, in the first place this is stated specifically in 11 U.S. Code 107 ( c ) ( 1 ) XXXX  stated that she was sorry I felt the way I did, but she could not approve a consumer credit contract.

Per 15 U.S. Code 1681 ( a ) ( 1 ), Congress found that inaccurate and unfair credit reporting from consumer reporting agencies has impaired the efficiency of the banking system. 15 U.S. Code 1681 ( 2 ) states the development for investigating and evaluating the creditworthiness, standing, capacity, character, and reputation of consumers is an elaborate mechanism. This is basically saying that the consumer reporting agencies that you all have used are not reliable for determining my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts keep reappearing on my Equifax credit report : XXXX XXXX, {$1100.00} account was opened on XX/XX/2015 and XXXX XXXX XXXX, {$2600.00}. The fraudulent accounts has been deleted numerous times from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I was signing up for a free TransUnion account ( so that I could freeze my credit ). It did ask for a credit card, but I honestly did not see where it said that I was being charged for anything, so I assumed it was some sort of identity verification. Apparently there was a banner along the side that said I was signing up for $ XXXX credit monitoring. It was very unclear from their website that I was signing up for a paid service ( especially because the other credit bureaus have free accounts that you can use to see your credit score ). This seems to me like a total scam designed to get people to unwittingly sign up for credit monitoring. Also, if you click Get Your Free Credit Score at the top of their website, IT TAKES YOU TO THE SIGN UP FOR A PAID SERVICE. I tried to cancel online, and it doesnt work. I will be calling them in the morning, and if I cant get a refund, Im issuing a stop payment thru my XXXX because this is ridiculous.
Product: Debt collection

I cancelled my XXXX XXXX in XXXX 2017 and gave 30 days notice. They billed my credit card in XX/XX/XXXX, which was for the month ahead, XX/XX/XXXX. XXXX XXXX makes you pay in advance for the month ahead. I no longer had XXXX XXXX so assumed this was a mistake on their behalf so I called my credit card and stopped the payment. They have now sent me to a collection agency. 

I was a customer of XXXX XXXX for years and always had paid my bill using autopay. I had never not paid my bill nor had I ever paid it late. Why they would think I would not pay a bill that I owed is beyond me. It is a mistake on their behalf. They need to listen again to the recording of me calling them to cancel my service. They say the calls are recorded for customer protection so now I would like them to use the recorded call as evidence to support my story. 

I am not paying for a service that was cancelled a month prior and that I no longer had and feel that I am being bullied by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I noticed this XX/XX/year> I have items on my report that do not belong to me.