23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Paid and resolved in XXXX XXXX ( from XX/XX/XXXX - bad debt/did n't belong to me to start with - Per attached court documents. Should not show as I made a payment. 
Should be removed as XXXX/remove as agreed, why is XXXX XXXX XXXX/LVNV not being held accountable for this? 
My credit is yet being damaged again. This is be XXXX and removed. Please help. 
I paid an Attorney to fix this from being sued in court over a balance I do not owe to start with. Please help. 
Showing the $ XXXX payment is actually worse on my credit- than they way it was XXXX XXXX in as bad collections. Please help. Thank you.
Product: Credit card

Received email on XXXX from Chase Bank card services saying " thank you for applying for a credit card. '' Also on XXXX received alert from XXXX XXXX XXXX of an inquiry to my credit record. ( The is a fraud alert on the credit report ). Contacted Chase Protection Group at XXXX- they said there is no record of an application but were unable to explain the email and alert. XXXX Chase Card Services at XXXX- they said there is no record of an application in either me or my wife 's name but were unable to explain the email and alert. They suggested it may have been a phishing email but could not explain how that would trigger an XXXX alert. They transferred me to Chase " disputes. '' They stated there were no applications in either me or my wife 's name and said they would initiate a case to follow up. I filed a dispute with XXXX and they removed the inquiry. I have also frozen my record at XXXX, XXXX and XXXX.
Product: Debt collection

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Erc Opened XX/XX/XXXX + {$58.00} Original creditor : XXXX XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ERC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Product: Debt collection

I checked my credit and seen a new debt that was reported. I immediately contacted the debt collector and they are attempting to collect a debt that is well over 7yrs old and was previously listed and removed off of my credit report. And they never properly notified me of anything
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS VIOLATING FCRA Section 623 ( 5 ) ( A ) BECAUSE TRANSUNION RESPONDED TO MY DIPSUTE # XXXX FROM XX/XX/XXXX BY ILLEGALLY RE-AGING THIS INVALID AND DISPUTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX TRANSUNION INCORRECTLY AND ILLEGALLY REPORTED AGAIN TODAY THAT THIS ABOVE ACCOUNT WAS CHARGED OFF, THEY STATED ON MY CREDIT REPORT THAT THE CHARGE OFF DATE WAS XX/XX/XXXX SO WHY DID THEY REPORT THIS INCORRECT CHARGE OFF STATUS AGAIN TODAY XX/XX/XXXX? WHEN IT WAS SUPPOSEDLY CHARGED OFF XX/XX/XXXX? 

THIS IS THE DIRECT REPSONSE AND ACTION TRANSUNION GIVES ME TO MY ORIGINAL DISPUTE FROM XX/XX/XXXX? THEY SIMPLY REPORT THE SAME INCORRECT ACCOUNT STATUS OVER AND OVER, INSTEAD OF CONDUCTING A REQUIRED INDEPENDENT INVESTIGATION? 

WHY DOES MY CREDIT REPORT STILL SHOWS " Date updated '' - XX/XX/XXXX? 

OBVIOULSY NOTHING HAS BEEN INVESTIGATED? 

SO MANY FCRA VIOLATIONS BY TRANSUNION- THIS NEEDS TO STOP-
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name XXXX XXXX Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Hello i am writing again in regards to a dispute I submitted on XX/XX/XXXX to Experian about an account with Student loan services c. After sending multiple disputes to this company the account information remains inaccurate this is a fdcpa violation and at this point the only resolution will be to delete this account because I have them now dead to rights. I have evidence of the multiple investigations they have done and resolved nothing, one investigation I got the results back in XXXX, looks like they sent it out on XX/XX/XXXX and another in XXXX they sent it on XX/XX/XXXX both saying the information was verified but it is still inaccurate. PAY HISTORY INACCURATE PLEASE SEE ATTACHMENT ACCOUNT NUMBERS INACCURATE PLEASE SEE ATTACHMENT ACCOUNT INFORMATION INACCURATE PLEASE SEE ATTACHMENT. VIOLATION OF 15 USC 1681e ( b ), 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information AND ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors AND ( B ). It seems this account can not be properly verified please delete this account from my report immediately. EXPERIAN ADMITS IN CFPB COMPLAINT XXXX that they investigated twice and sent results and today XX/XX/XXXX the information is still inaccurate. This complaint that I sent over 50 days ago which they just finished investigating after more than 30 days ( By law they have to reply in a timely manner with results within 30 days ) I submitted the complaint XX/XX/XXXX and they are now responding XX/XX/XXXX ) this is out right violation FAILURE TO COMPLY ( 15 USC 1681i ( a ) ( 6 ) ). I'm attaching all the markups of violations sitll on report from Experians mail and also attaching the previous dispute i sent on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment pm am account under an open and consumer credit plan as late for a purpose.
Product: Checking or savings account

ive noticed that there was a XXXX payment made to someone that i dont know, the amount was XXXX and i dont even know this person ive contacted the bank and they said they would investigate and temporary credit me within 5-7 business days which i never got.the bank closed the claim without investigating.
Product: Credit reporting or other personal consumer reports

An account has been fraudulently opened under my name, social security number, and address at Bank of America. I have asked the account to be closed, which it has. I also asked that the bank stop reporting this account to the credit reporting agencies, which they have not done. Since this is a case of identity theft, they need to correct this informtion as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). However Bank of America fails to do this and is violating federal law.

I have included FTC and police reports to the bank, but they still refuse to act. And they refuse to send any information and documentation that they have used to make this decisions, which is also required under the FCRA.
Product: Mortgage

I would like to start off by saying my original financing of my home with Wells Fargo was seamless. It was only when they offered to refinance at a lower interest amount did things become so complex. I began my refinancing nightmare on XXXX XXXX I am still in the process as of XX/XX/2021. I have too many emails back and forth to count. To sum it up Wells Fargo has taken every angle to try and prolong this experience examples include hiring the wrong appraiser and then trying to get me to pay for it and then spending over a week investigating if I should pay for them picking the wrong appraiser. The next is getting me to submit information multiple times and then just to turn around and say it will not work. I would not wish this experience on my worst enemy, at this point I believe Wells Fargo does not want to refinance for the lower rate and this is their attempt to bully me into submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan officer, he made me aware that one o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX bank. Currently it is should I owe more then 50 % of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account Name : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please see attached letter, drivers license, social security card. 

You need to add the rental tradeline onto my Equifax credit report. 

The rental tradeline company is also copied on this complaint to help assist if needed.
Product: Credit reporting or other personal consumer reports

I recently disputed an account on my consumer report that came back UPDATED. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following account : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear American Express, RE : American Express XXXX XXXX Card XXXX XXXX XXXX American Express XXXX XXXX XXXX Card XXXX XXXX XXXX I am member since XXXX and enjoying membership benefit almost 12 years. 
But last 12 years I did n't get any credit line increase. 
If possible to consider my membership 12 years and grant Higher credit Lines XXXX accounts. 
If need more information contact me on XXXX XXXX XXXX XXXX XXXX Thanks. 

XXXX XXXX XXXX
Product: Checking or savings account

I received an email from Chime, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, welcoming me to their company and stating that a debit card is in the mail. I however never opened an account. 

After reading over the info, It looks like a " legit '' account that someone else must have opened in my name ( my email address, physical address, phone number - all accurate ). 

I made my first call on XX/XX/year>. After verifying my identity, I asked for them to close my account, proved me with any transaction history and where the account was opened. They said they couldn't unless I provided them with picture ID and the last XXXX of your SSN and we can close your account. 

I refused to provide them with this information and they finally claimed to have closed the account, but would not provide the additional information. I have my doubts it was closed for obvious reasons. 

Further, it is apparent that this is a common issue with Chime. I have found complaints all across the Internet if similar experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my identity was stolen by an old co-worker. He took my wallet and it had my social security card inside and also other personal documents. I sent copies of a police report and also FTC reports to the creditors and the three major credit bureaus. The inaccurate items and amounts consist of the following XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX {$55000.00} XXXX XXXX {$1700.00}
Product: Credit card or prepaid card

I have sent Capital One notice stating that I was unable to pay this Credit Card balance on as of the moment due to a lack of income, however I have now been dealing with harassment letters from someone claiming to be a Creditor ( XXXX ) for several months. 

I have requested proof of the whereabouts of from XXXX for several months now and have not received a ligitamate response with proof of the requested documents such as : 1. Show me the evidence of the original contract from Capital One, because as it stands, there is currently a class action lawsuit ( Zosiak Versus Capital One ) againts Capital One for having a " breach in their data base. '' 2. Provide the license that XXXX has to collect money from me in my state as well as the contract agreement that I orginally entered into with XXXX  to do so. 

3. XXXX XXXX XXXX is still lacking the proof of the charges as they pertain to the summary of this debt with Capital One. I have also requested proof of how they've obtained this information as mentioned previously, however my original request was never satisfied neither the latter. 

*what are the specific interests, fees and charges that brought this balance to a particular amount. 

I was hospitalized multiple times in 2019 as a result of the stressors from XXXX ' Harrassments. Please see documents from XXXX hospitalization if this portal allows for uploads.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I Review my Credit files on XXXX  and Equifax, and noticed a false information reported on the collection services that i have not acknowledge of or consent to from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have reason to believe I do not associate or have an account with XXXX XXXX, my wireless cable has always been with XXXX XXXX XXXX. I believe the information is incorrect or mistakes from the XXXX  XXXX, therefore reporting false information is in violation with FCRA Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$800.00}
Product: Debt collection

I have been back and forth between XXXX XXXX, LVNV, and XXXX about this matter. This debt is still reporting on XXXX and I have received documentation from Original Creditor XXXX XXXX stating that after an investigation done by them, they have found this debt as a result of identity theft. It has been well over 60 days but is still reporting under LVNV. I am still being denied my retirement home because of this and it has caused great distress because of it. They refuse to remove it off of XXXX and XXXX has not removed it either as of today XXXX. Please provide me with resources to file a suit against these companies for not removing it.
Product: Checking or savings account

Throughout a span from roughly XX/XX/XXXX to XXXX or XX/XX/XXXX, there were a total of 49 ( when I first saw them, more since I realized they were being made ) transactions were being charged to my cash app account. I reached out to Cash App to figure out what was going on as I did not make the transactions, and all transactions were made from XXXX. Cash App was unable to give any assistance or clarification. I reached out to XXXX after Cash App was unable to help, and with the help of an XXXX representative, we realized that the charges originated from a prior Cash App card that had been reported lost or stolen ( when I called Cash App back and brought this up to them, a representative said he did see that the card the charges originated from was cancelled and a new card was issued in XXXX of XXXX ). I explained to the Cash App representative that, although I do have an XXXX  XXXX, it hasn't been used in over 10 years, and it was only used for an XXXX, before XXXX even came out with an XXXX. The Cash App representative explained they would escalate the cade to a higher department and I wouldn't be contacted VIA email by a manager. I have reached out to Cash App on numerous occasions, VIA email, phone, and chat support and explained the entirety of the situation, and repeatedly get told that the case will be escalated, but as months have now passed, I have still not heard from a manager and I am refused to speak to one when I request one on a call. XXXX representatives said they could assist, but not without the full card number that was charged. I have even reached out to Cash App, only for the full 16 digit card number, to let XXXX take care of the fraudulent charges since Cash App would not, and was told I would be emailed the card number, and never was. There are 50+ charges, majority of which were declined, however there are a handful that was approved for amounts spanning from {$4.00} to over {$20.00}. I will attach pictures to thr complaint showing that I have never ourchades anything with the XXXX account. I also have a screenshot of a transaction I attempted as I saw the last 4 digits of the cancelled card were still a stored payment method in my XXXX 's app, so I attempted to push a transaction to test if the approvals were only XXXX & I have a screenshot where the XXXX 's purchase on the cancelled card was declined, but I have screenshots of the declined and approved transactions from XXXX. I also have a screenshot of a dispute I attempted for one of the transactions, and the email with the resulting denial explaining that I authorized the purchase, which has never been the case.
Product: Credit reporting or other personal consumer reports

Called company daily beginning XX/XX/2023 through XX/XX/2023 and formally requested, in accordance with the Texas Freedom of Information Act, that copies of all information and data regarding my vehicle loan be sent to my current address. This was to include their reason for their decision to restrict my online access since XX/XX/2023. They have refused to do so. Also request copies verifying all payments made, interest paid, principal owed, and the documentation verifying the current status of the account. Subsequent request were made again in XXXX, XXXX, and XXXX. Capital One Auto Finance refuses to comply with my request. The last request for this documentation was made in mid XXXX. The current account status on my XXXX Credit report shows the account is CLOSED and that it has been CHARGED OFF and WRITTEN OFF. It also shows the payment status as Late for XXXX among other months. However when I call to Capital One Auto Finance they state the account is CURRENT and OPEN. I have ask them to CORRECT the errors on my credit report and filed several disputes with each of Credit reporting agencies ( XXXX, XXXX, and XXXX ) however my disputes are denied saying the investigation finds the information valid and accurate ( paraphrasing ). 1. Please allow me online access again since it has been 180 days since my request was made and it still remains ignored. 2. correct the credit report ( all 3 ) to reflect as OPEN and as current and due to the fact the payment history is filed with inaccuracies and due to the fact Capital One refuses to provide me with updates regarding my balance, confirmation of payments, etc I ask that the Credit report shall reflect no late payments or delinquencies. I request this due to the illegal, and egregious and retaliatory manner in which Capital One Auto Finance has administered my loan.