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

An fraudulent account was opened in my name and sent to an address I have never lived at. I have reached out to Capital One over XXXX times without a reply or resolution. Not know that a previous account had been opened in my name I discovered this account when applying to Capital One and noticed the fraud reported on my credit report. I provide ID affidavits and statements and Capital One has failed to fix this and has caused me employment termination and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes to XXXX in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and Account Resolution Services and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, XXXX refuses to even complete a dispute and sent me one letter back!
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT XXXX : XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Product: Mortgage

I applied for a loan modification last year (XX/XX/XXXX), made the required trial payments and was approved for a loan modification XX/XX/XXXX. I was told that i needed to wait for the paperwork to be sent to me by mail, sign it and mail it back to them to activate the modification. Several weeks later i still had not received the paperwork and called them to inquire. I was told that it was still in process and they could give me no idea as to when it might be sent. I called repeatedly over the ensuing months, sometimes bi-monthly inquiring about the status and paperwork. Always the same reply, " it was in process ''. I was also told that I needn't make payments until i received the paperwork and made the newly modified amount as any outstanding payments would be rolled to the back of the loan. I was having financial difficulties at the time ( the initial reason for the modification request ) and at the time this seemed like a Godsend. I figured I would get a little behind, have it rolled to the back of the loan and start with the newly amended, lower payments which were more within my means.

Weeks and then months passed and still no sight of the required paperwork which i was to sign. I made regular inquiries and was always told the same thing. " In process '' with no idea of when it might be sent.

The week ofXX/XX/XXXX I finally received the packet in the mail. But to my dismay the letter was dated XX/XX/XXXX and i was given til XX/XX/XXXXto have it returned to them with my signature. I called and asked if the paperwork had been sent in XX/XX/XXXX why I wasn't told it was enroute during one of my inquiry calls after that time. They said they had no record of me having called afteXX/XX/XXXX which is a blatant falsehood! Obviously, the time in which to have signed and returned the required paperwork had lapsed by a month and i was then send a denial letter of the modification because I didn't return the paperwork. Also, it has been a week now and I still have not received the paperwork for the re-application of the modification, they say it was sent a week ago but i have not received it. i question whether it will arrive in time to stave off the foreclosure they seem to so badly want.

Also at the same time i was sent a letter telling me that my account was in arrears and was given til XX/XX/XXXXto bring my balance up to date or face immediate foreclosure. I was told {$5000.00} in a letter and {$3300.00} by a customer service representative named XXXX. I was told to reapply for a modification but I suspect it will be denied outright and they will foreclose on my home, this seems to me to be a fraudulent tactic that they are using on me. I don't know if any other consumers have had the same experience as me but I believe they are unlawfully dragging their feet so that they can ultimately foreclose on me.

All I want is for them to honor the original loan modification which was approved in XX/XX/XXXX and I can start making the lower payments and proceed from there. Short of calling them crooks, I am appealing to you to have this matter settled in a fair and equitable way, I deserve this.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare that I am a victim of identity theft. Unauthorized accounts and transactions have been made in my name without my knowledge or consent. I first became aware of this fraudulent activity on XX/XX/XXXX. These accounts have negatively impacted my credit and financial standing. 
I affirm that I did not authorize these accounts, transactions, or activity, nor did I receive any benefit from them. I have taken steps to address this matter, including filing a police report and disputing the unauthorized accounts with the relevant institutions and credit bureaus. 
Given the significant impact of this theft on my credit, I requested removal of these fraudulent entries : XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1600.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1300.00} XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Monthly Date Opened XX/XX/XXXX balance of {$35000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Type CREDIT CARD Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX DBA XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX balance {$18000.00} XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX  XXXX ACCOUNT Balance {$35000.00} Thank you for addressing this matter urgently within the four-day period requested. Please feel free to contact me at XXXX or via email at XXXX should you require any additional information.
Product: Credit reporting or other personal consumer reports

This account was charged unauthorized without my permission. Wells Fargo is aware that this account was a result of unauthorized charges. WF had admitted that this account is incorrectly reporting on my credit report via email. Email enclosed. XXXX failed to investigate the accuracy of this account. The account has listed a total of XXXX charge off under this same account ending in XXXX. The account has late payments on a charge of account. These repeated derogatories have been damaging to me. I settled for a payment to WF even though I did not make the Purchases on this account. I was promised by a WF rep in XXXX  that if I paid the account the account will be removed. This XXXX XXXX XXXX account is still on my credit report and its hurting my score. XXXX failed to correct and update this account. I have disputed this account 5 times to both the creditor and the bureau. For the sake of years of incorrect reporting with I kindly ask that this XXXX XXXX XXXX account be completely removed from my XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I sent the documents to LexisNexis on how they are reporting information dealing with XXXX bankruptcies. The information on the reports is not accurate by far. And I have asked them to delete them according to the FCRA. I sent them multiple documents from the court and the XXXX system pointing out these errors. I sent it by certified mail well over a month ago with no response. Thus violating my rights to have clear and accurate reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries with no permissible purpose
Product: Debt collection

NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.
Product: Checking or savings account

Made a fraudulent activity claim for fraud that had been taking place over the last 8 months on my checking account. Wells Fargo stated that it will be 10 business days before any funds are to be given to me. On the XXXX business day, Wells Fargo calls me once. I miss the call because Im working, and I call back one hour later. While Im on hold, I get a notification that my claim has been updated. When I finally reach a person, she informs me that my claim has been denied because they said that I approved the transactions via my phone number.

I never was able to speak to a person at Wells Fargo. During the 10 business day waiting period, I was wracking my brain trying to think how could my account have been accessed, when I remembered, my computer had been stolen around this time last year. My computer was set up in a way, that all of my text messages, can be viewed and responded to via my computer. I thought, if someone could get into my computer, they would have access to all of my text messages, including the authorization messages. After hearing from Wells Fargo that they believe I responded to the transactions via my phone number, I am now certain that this is how my account had been accessed by a 3rd party, and how all of these transactions were able to be approved.
Product: Debt collection

Well all together I think I'm in debt about 3,000 well sadly 2 years ago I lost XXXX  apt in a fire and all 5 of my cats I had 11 years from babies passed away ive had to move back to XXXX  cause I had no where else to go XXXX  job don't offer insurance so I got on medacaid and don't understnad why they can't help me in still struggling living out of a suitcse then today I lose my car motor locked up so now I'm having to walk to and from takes me ablut 45 mins in the freezing cold I can't affors to pay these off nor afford a payment plan they wanted 50 or more a month but I can only afford about 20 and they wouldn't accept it so I'm stuck so deep in a hole idk I can get out of
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX 2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.
Product: Credit reporting or other personal consumer reports

believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the paperwork? Several of the mentioned accounts contain inaccuracies, causing me distress.
Product: Debt collection

The debt was written off in XXXX & is no longer on my credit report, after SIXTEEN YEARS. 

Out of nowhere, I get a letter that I owe LVNV {$1400.00}. In the same letter, they state that because the debt is SO OLD, they cant legally sue me for it ( I never entered into a legal contract with them in the first place, so it is NOT MY DEBT ). 

And they state that they can not report this fake outstanding debt to any credit reporting agency. So what are they harassing me in the first place? 

My credit score is close to 800 for the first time in my life, and Ill be XXXX  if Ill let these XXXX ruined something thats taken my entire adult life to achieve.
Product: Credit card or prepaid card

We were sent XXXX XXXX percent XXXX promotional check from XXXX Chase in XXXX 2022.The XXXX was good on the balance for entire year - XX/XX/XXXX. I called to verify the use of the checks and information. 
We used the checks to the amount of {$15000.00}. 
During the next XXXX months our credit card payments were made to cover only the purchases over {$15000.00} since we had XXXX percent interest on that amount for a year. 

However, XXXX Chase credited our payments towards the {$15000.00} and not toward our other monthly purchases- News I received on a phone call with a representative. 

I would like the monthly interest fees from XXXX of XXXX {$80.00} and XXXX of XXXX {$240.00} credited back to us. 

I called and and emailed the XXXX Chase XXXX on XX/XX/XXXX, and they refused to refund and said the payment amount would always go toward the lowest interest rate balance on the card. This was not disclosed on the phone or written on the paperwork of the checks when they were mailed to us in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing significant distress. As an identity theft victim, I've already reported this incident. This situation urgently needs addressing, as it's harming my financial standing and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide necessary evidence and, if needed, take legal steps to defend my rights and seek compensation. Your quick response to this critical matter is valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up from my earlier complaint, # XXXX, against Transunion. 
Transunion has failed to send the response they calimed to have mailed in response to my letters of XXXX, XXXX and XXXX, XXXX. 
Transunion is not copperative and refusing to furnish their resonse to my letters. 
Where is the actual response they calimed to have mialed to me? 
They claim to have sent it, but I never received it, so why can't they re-mail? 
I have contact TU twice by mail and now twice through this portal and still do not have the original complant response. 
I suspect the real reason I have never received a written letter though the mail is because TU failed to comply with the FCRA and never reinvestigated my complaint and never informed me of the results, Would it be too much to expect a copy of the letter or letters they calim to have sent me?.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Portfolio Recovery Associates sent me the consumer [ XXXX XXXX ] a letter on the following date XX/XX/2023 about an alleged debt. 
After looking into the alleged debt in all three ( 3 ) Credit reporting agencies I then moved forward to dispute this alleged debt with Portfolio Recovery Associates. 
On XX/XX/2023 I sent Portfolio Recovery Associates a Dispute letter tracking # XXXX of validation of the debt. 
I did receive a response from Portfolio Recovery Associates on XX/XX/2023 with a validation of the alleged debt. After reviewing their validation letter, Portfolio Recovery Associates did not send me proper and lawful validation according to XXXX XXXX XXXX XXXX for validation of debts. I responded with a cease and Desist letter tracking # XXXX letting them know that they failed to properly validate the alleged debt. In return they sent me another letter reasserting that the investigation that Portfolio Recovery Associates conducted was indeed valid. Portfolio Recovery Associates did not follow lawful guidelines according to 15 USC 1681a ( e ). 
Portfolio Recovery Associates never sent me any of my consumer disclosure rights that I have as a consumer or any proper permissible purpose from me [ XXXX XXXX ] the consumer mentioned here. 
I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA.

Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

Portfolio Recovery Associates LLC is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery if you would please contact XXXX again to remove the account XXXX  from my credit report I have sent them many times your response to CFPB to remove and to this day they refuse to do so. thank you very much
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The following companies XXXX XXXX and XXXX XXXX has a closed credit card that is being reported on my credit report. I am requesting the two closed accounts be deleted as they were opened fraudulently and not by me. I have since added a fraud alert to credit bureaus to help prevent this from happening in the future.
Product: Credit reporting or other personal consumer reports

To Whom it may concern.. 

SELF FINANCIAL/LEAD BANK Account number XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( XXXX, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you SELF FINANCIAL/LEAD BANK Account number XXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company SELF FINANCIAL/LEAD BANK can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report XXXX, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( A ) 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.

Show me written evidence that SELF FINANCIAL/LEAD BANK complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 at XXXX I contacted TransUnion and spoke with XXXX XXXX the name she gave me ) with id # XXXX to update information that was reporting on my consumer credit profile, she assured me that all the information has been updated and I would receive an update version of my consumer credit profile in 7 to 10 days. I received it on XX/XX/2022 but when I check my profile I notice that they were still reporting inaccurate information which is a direct violation of 15 USC 1681 ( b ) it fail to follow reasonable procedures to assure maximum accuracy of my information although they were warned that the emailed that they were using was inaccurate and I was no longer using or associated with that email and to please update it and they willfully and knowingly refused to do so, and continue to report incorrect information.