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

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. On XXXX XXXX, XXXX I contacted US Bank and informed the bank that my credit report with XXXX had been acquired after speaking directly with XXXX. I requested that US Bank withdraw my application. On XXXX XXXX, XXXX I went to a local US Bank branch and spoke with a banking XXXX who contacted US Bank 's XXXX department regarding several hard pull inquiries on my XXXX credit report by US Bank. On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. I contacted XXXX who indicated they US Bank was in fact provided my full XXXX credit report resulting in hard pull inquiries on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in conjunction with these two credit card applications. XXXX stated that I would have to dispute the information directly with US Bank ; however, US Bank stated that I would have to initiate a dispute with XXXX. Unfortunately, XXXX does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with US Bank and XXXX to no avail.
Product: Mortgage

Late last year, I sought to purchase a home. At that time, I owned another home, which I sought to sell. I utilized a realtor for my purchase and sale. The realtor referred me to XXXX  XXXX/Golden Bear Capital for loan monies. 

( I LATER DETERMINED THE REALTOR WAS ASSOCIATED WITH XXXX   XXXX/GOLDEN BEAR CAPITAL, LISTED AS A " MLO '', A FACT NOT DISCLOSED BY THE REALTOR NOR XXXX  XXXX/GOLDEN BEAR CAPITAL. ) On this recommendation, I engaged XXXX XXXX/Golden Bear Capital as my lender for the home purchase. 

Throughout the loan process, I received a deplorable amount of delays and mistakes by XXXX XXXX/Golden Bear Capital. To summarize, these delays and mistakes have ended up costing me thousands of dollars in lost monies. 

I would have not used XXXX  XXXX/Golden Bear Capital for loan monies unless referred to them by the realtor, who never disclosed he is associated with XXXX  XXXX/Golden Bear Capital. 

This is a conflict of interests as a realtor should have the consumer 's best interest in mind. In this situation, XXXX XXXX/Golden Bear Capital have created a situation where the realtor/mortgage company best interest 's have become the priority. 

XXXX XXXX is allowing realtors to associate themselves with XXXX   XXXX/Golden Bear Capital, allowing them to refer business only to XXXX   XXXX/Golden Bear Capital, and creating a volatile environment for the consumer. 

This should not be permitted in the state of California.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX to go ontrip to XXXX, went to XXXX office to check if needed updates to my phone, they said I was all set, flying into XXXX XXXX I lost phone service for the entire trip. Returning home, I contacted them to complain about the matter, eventually I did talk to someone who claimed to be mgr of local office. He explained that I had been misinformed and they needed better training and he was sorry. I then cancelled my contract but they said I would still owe money, which I made clear I would not pay. they kept billing with added charges, I told them to sue instead they turned it over to collection agencies, eventually this Jefferson XXXX filed a claim of non payment which XXXX logged. For the years since I never heard anything back, maintaining an impeccable credit rating up to XXXX A couple of months ago purchased a new vehicle for my wife and things blew up with XXXX reporting to my credit union serious issue re : credit rating, damaging rating down to low 700s fortunately my dealer agreed to match original payments offer. XXXX has been less than helpful saying they are neutral while promoting new credit card offers to me constantly, strange dont you think? Please help me deal with this bogus event.
Product: Credit card

I want these inquiries to be removed because I didnt authorize these hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my second attempt with you all to address these issues i can attest that Its I and not a third party that is making this request. To recap, I have recently reviewed my XXXX, XXXX and XXXX credit reports and it indicates that I have inquiries with One Main Financial on XX/XX/2023 and XX/XX/2023. However, my contact with that company was responding to pre-approval invitations that I turned down after not liking the terms and conditions after completing the pre-qualifications. I was not made aware that I was applying for any loans. Thank you all for looking into this
Product: Debt collection

According to XXXX XXXXXXXX XXXX XXXX, as of XX/XX/year>, I owed {$38000.00} + interest of {$24000.00}. According to him, there's a {$100.00} credit/paid from me.Total amount owed is {$63000.00} on credit card. 

My Complaint are as follows ; 1. I live in XXXX, the statue of limitations is up to 5 years to sue or collect the debt The date start after missing payments. From XXXXup today 's date, there's no record 2. Enclosed, the copy from the law firm " Notice of Appearance For Post-Judgement Collection '' filed at the court mailed to me on XXXX XXXX 3. Enclosed, a copy of Bill Statement from XXXX. XXXX XXXX and 4. Enclosed, a copy from XXXX XXXX XXXX XXXX XXXX  a " Voluntary Writ of Dismissal of Garnishment '' Note : I don't know how to download docs. Will mail it if necessary. thank you
Product: Debt collection

Woke up today and seen XXXX XXXXXXXX XXXX  on my credit report. I never received any type of communication from them. No email or letter has been sent to me about this communication. Also this debt has been impounded by order of court. And the balance is also incorrect. I have proof of everything. I do not owe this debt at all. It was impounded by the court. Legal definition of impoundment of the court is that this information was to be sealed. It sealed by the court. The court is legally over XXXX XXXX XXXX. I also just called and XXXX XXXX XXXX is trying to illegally obtain money I do not owe. When trying to speak to them and explain to them one representative named XXXX told me that she has no clue what impound means and that I would need a lawyer and then hung up. They have violated my rights as a consumer. I have the right to dispute but they have taken that right from me by placing this on my credit report without me given a chance to dispute. Files will uploaded stating it has been impounded by court order. Also you will see its checked that by agreement the court having made no actual foundings. Bill Status of HB2299 is what states that this information was to have not been sold to any third party collector or debt collector.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to alert you to fraudulent personal information linked to my identity. Certain accounts and transactions have been wrongly attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as identity theft and taken immediate action. It is crucial to resolve this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported this information to the credit bureaus already, as well as to the FTC but they have never answered me at all. The information in the reports attached to this complaint are fraudulent and were not opened by me, as the consumer. Please assist me in this important matter.
Product: Debt collection

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 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: Debt collection

Caine & Weiner Company , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The XXXX XXXX XXXX XXXX for Caine & Weiner Company , Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Product: Credit reporting or other personal consumer reports

the following inquiries were not made by me, I suspect a car salesman stole my identity and applied to companies without my knowledge or consent : Experian : 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 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

According to 15 USC 161a2 these companies XXXX XXXX XXXXXXXX {$590.00} XXXXXXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company acc # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents
Product: Debt collection

Applied for Home Equity Line of Credit XX/XX/XXXX at Santander Bank. I wanted to consolidate credit cards to pay off at lower rate and have a better credit rating to cosign my daughter 's college loans. SHe is a XXXX so I have more loans to go. I am XXXX XXXX, had XXXX XXXX 2 yrs ago. Was told 6wks. It took until X/XX/17 to close. XXXX XXXX was the executive at XXXX XXXX I spoke with. He pushed me off to assistant XXXX XXXX who repeatedly had me fax papers saying they never got them. Dates passed by as I kept asking what was going on. Very poor understanding of their product by the employees. Closing was held at a XXXX by XXXX XXXX, noist, papers fying, on stools. It was there I was 1st told I had to open a checking account to pay my interest and principal payments into in order for HELOC to be taken out. This was a surprise and questioned why I would n't just pay directly. I have a XXXX  cchecking acct. I do n't need this one. She said it was how they did it. I was told ther would be an overdraft fee. But, since I never planned to take any $ out ever agin, but only pay off, I did n't think I would need it. As in my XXXX acct overdraft charges are only made if you overdraft. I found out 2 wks ago this is a monthly regular charge. News to me as was the invoice showing $ XXXX/monthly statement. There are surprise fees evry single month. I am being nickle and dimed. It was bait and swith just to open a cking acct to get those fees. My wallet was stolen XX/XX/XXXX and Santander allowed the thieves to get {$50000.00} from an dummy checking acct and allowed them to take from my HELOC!! I have reported the fraud XX/XX/XXXX,XX/XX/XXXX and every day until today when I was called to the branch to file a claim. XXXX handled it by XX/XX/XXXX, all funds returned to my accts. I filed a police report. they said they never heard of a bank not replacing funds asap! I am very stressed and feel abused and pushed to my limits until I am crying and screaming, swearing at them to remove those hidden fees and refund those funds after 6 whole days.
During last 5 months many errors, tellers not knowing how to process my payment tho I followed directions to the " T '' and many, many calls from them again and again. It is harassment.
Product: Debt collection

I originally decided to purchase this loan due to my car breaking down. Me being a XXXX I have no extra money to spend. Unfortunately I was told my check would be bigger then it was supposed to be and was not able to pay off the full bal. I received the max amount of phone calls daily. Which happens to be 5. I also asked her to be able to make a payment of half on Friday. Then I realized since I 'm in the military my annual training is coming up and I can just pay it in full in XX/XX/XXXX. I offered a small pymt of {$25.00} dollars XXXX/XXXX/16 at XXXX. She told me that amount that I wanted to pay was to small and she was n't going to process it due to the simple fact it would n't make a impact. She then told me if I do not make a payment they will send this to my bank acct and take it out at any moment since I refuse to pay in full. I told her well if this is the case can you please put me on the do not call list. She said she will not put me on the do not call list because I have a loan and she can call up to five times a day. I recently told them I did not want more then two calls in one weeks due to the fact I 'm aware of the loan. I have indications that they have called way more then requested by me. I have time stamps and voicemails indicating they are not willing to follow these rules. It is completely harassment. Me being a debt collector myself I know you are not allowed to request payment in full within the 1st 30 days. I also know threating to take the full payment out of my bank account because I do not wish to pay it off at once is illegal. I asked her in a respectful manner to put my number under the do not call list and she refused to do so. She has broken multiple rules and has admitted that she will continue to call me as much as possible also threatened to take the money out of my account when ever she feel. In order to take money out of my acct I should receive a later of judgment or garnishment of some sort before anything is taken out of my bank account and I have recived no letters in the mail yet. This is harassment and they are breaking Ferpa laws completely.