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

I am a victim of identity theft and have sent my fraud packet, lease, and police report and nothing has been resolved, nor have I receive a response. This is really hurting my credit and is stressing me out and I am XXXX  which is causing me pain and stress on me and my baby.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE ON MY CREDIT REPORT   XXXX   XXXX   NEVADA ADDRESS AND I NEVER LIVED IN   XXXX   XXXX   NEVADA. I DO HAVE FAMILY IN   XXXX   XXXX   NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE I SSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL   XXXX    XXXX , EQUIFAX,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    THESE ARE NOT MY DEBT. NEVER LIVED IN   XXXX   XXXX   NEVADA.   PLEASE ASSIST
Product: Payday loan, title loan, or personal loan

Advantage Financial Services XXXX, XXXX gave me a line of credit. Now, whenever I get behind on the loan amount of XXXX a month which at the moment I owe XXXX they call me multiple times a day, leaving voicemails that say nothing, and have even called my wife. She is not on loan at all, not even as an emergency contact or second point of contact which means this company looked up her information and contacted her giving details of my loan out to a XXXX party without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a  law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

I opened an account with ChexSystems so that I can keep see if anyone was attempting to open an account in my name. I had noticed some suspicious activity concerning my finances. I put a security freeze on my account. I later tried to remove that security freeze using my pin but the pin did not work. Therefore, I was unable to update the information on my profile. I then requested a new security pin from ChexSystems four times in XX/XX/2024. When the pins arrived in the mail, none of the pins worked. I then requested pins in XX/XX/2024 and in XX/XX/2024. None of the pins worked on ChexSystems website. I have made over ten calls to ChexSystems in the last 3 months. 

During that time I learned that someone ordered a pin when I did not do it, my security freeze was lifted and then put back by someone, and I also noticed that there were 2 emails that I did not recognize associated with my account to receive pin code and other security information. I suspect that someone at ChexSystems is tampering with my account and is a part of identity theft. Due to the constant sabotage of my account, I am unable to update the information on my profile/account ( susceptible to identity theft ) and I can not open any financial accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. 

Transunion needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. I have sent Transunion XXXX letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Transunion to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the  alleged creditor to validate the debt, insteading of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Transunion has reported in error and for Transunion to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Sent a letter by mail to the address. I told them in this letter someone is using my information would like a security freeze to be place on my information to the present the company never responded.

Someone is using my information after three health care data breaches. Someone apply for us citizen under my social security number, used my driver license and other information. I haven't authorized no health insurance release.

By providing companies information without my authorization is
liability for MBI and other remedies may be used if you keep disclosing information outside my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts that are on my credit report and they are not mine I have been disputing these since last XX/XX/XXXX and nothing have happened. I have opened an FTC for these accounts. I have not gotten anything back from the bureaus or the furnishers. 

XXXX XXXX XXXX XXXX - Acct # XXXXOpened XX/XX/XXXX U S DEPT OF EDXXXX - Acct # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX DPT EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Personal Information Update Experian XXXX XXXX XXXX XXXX Texas XXXX Experian ; I just looked at my credit report and was shocked to the amounts of errors you have listed. I am writing to have them immediately removed. 

The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately : XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately : XXXX XXXX XXXX XXXX XXXX Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like them all removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX I understand that each of these violations are {$1000.00} per each error and account per 15 USC 1681n ( a ) ( 1 ). I will be attaching a bill of particulars for your convenience.

As the consumer I need this resolved immediately. See 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

By provisions of the Fair Credit Reporting Act, I DEMAND that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

During XXXX I bought an ultra wide screen monitor with XXXX XXXX XXXX from XXXX XXXX. It also came with a 24 month warranty. The monitors XXXX four port was not connecting with my XXXX XXXX, so I had to take it in to get it looked at or repaired at XXXX the XXXXXXXX XXXX said that I was still in my exchange warranty. And that I needed to bring it in to see if they can repair it and if they can't repair it, they can replace it. They said that they would ship me the new one within seven days and gave me a shipping tracking number. The next day, I got an email saying that my order was canceled from XXXX XXXX. I called the XXXX XXXX store and I'm on the phone with them. They tried to issue me a store, credit or something the representative wasn't very detailed with their explanation, but they were trying to exchange it for a new one and then make a whole new brand new order and they put me on hold. I completely was unaware I forgot that I bought this with my Chase account debit card because Chase is not very customer appreciative as well as they just don't care and they said you have to fail and do not have any feelings of remorse for anyone without {$300000.00} in our savings account so I made the decision to close the acc not long after I bought this monitor. I closed the Chase account, I no longer do business with Chase at all so I did not know that they were going to try and refund my account. Otherwise I would've stopped them but they did refund or returned the original monitor and somehow or for some reason they did it by refunding it back to the bank to recharge. I don't know I was very confused and very angry why this was such a huge ordeal and why it couldn't have been done some other way, but the store manager helped me try to get it fixed said he could not get it fixed so I had to contact Chase to have them cut me a check. I tried logging into my old account and it is not even on my login page anymore. Does not say I have an account anymore so Chase has {$1700.00} of my money and has not sent it to me yet. Yes, but I was attempting to re-initiate the charge and chase shut them down so I'm just confused pretty upset. I just want my Monitor back to be honest on don't want to have to go through the process of getting a check and waiting for them to do it, but I guess I have to know I want my money back I will upload a picture of the receipts that he gave me when I went into the XXXX XXXX to talk to the manager to prove that it was refunded
Product: Debt collection

Trying to collect a debt after cease and desist notice, debt is part of an ongoing bankruptcy/ fraud trial and they have the case number.
Product: Vehicle loan or lease

I XXXXXXXX XXXX with account number XXXX have requested that Navy Federal show proof of claim that they gave loan by providing the on and off ledgers according to XXXX rules and FAS rules. The Bank never gave a legitimate form of consideration. They never debited their account and rendered a loan. The check they showed me as proof is fake and I never signed a check. That does not prove that a loan was actually given. XXXX XXXX name is the only name shown on the promissory note. In fact it was a barter signature exchange for fund access, a 1099b has been filed with IRS, a 1099C has been filed with IRS and both accepted. They have been reporting wrong information to credit report even after IRS canceled the debt and insolvency filed. They lied like they are not for profit and put the same on my online profile but sent a letter saying they are debt collectors. 3949a and a whistleblower form for non profit entities has been turned in to IRS investigation team for identity theft and lies. Navy Federal denied compel for Private Arbitration. The automobile has been sold to a company in Delaware at my discretion because I am the owner of the promissory note as beneficial owner. The bank did not sign. I am seeking for recoupment of federal reserve notes that was sent to them in error. They used my signature as actual cash value, securitized my promissory note, received funds and then erroneously charge me interest payment and gave the deposit back to me in the form of a loan, this is identity theft and security fraud. I also sent a International Bill of Exchange to Navy Federal XXXX XXXX, XXXX which is the in house Trustee, to set-off the debt because according to comptroller that is a legitimate security to set off and settle debt. They kept it, sent to TT & L dept of treasury to make presentment and kept the proceeds and then said I owe them a loan. I will not make another payment to a loan that doesnt exist.
Product: Credit reporting or other personal consumer reports

Subject : Follow-up letter-Rmoval of Disputed Account From Credit Report. 
Dear Equifax Credit Bureau, I am writing to follow up on my previous correspondence dated XX/XX/2023 of my initial dispute regarding the removal of disputed accounts listed on my credit report. It has been way over the time frame specified by the FCRA for the resolution of such disputes. In my initial dispute letter, I provided detailed information and supporting documentation to demonstrate that the accounts I disputed is inaccurate and should be removed from my credit file. This is the fourth reinvestigation Equifax has did and did not produce any documentation or any signed contracts bearing my signature on it, no documentation of the validity or verification process I requested, which is a violation under the FCRA law. Shall be removed. I did not give my consent or authorization for XXXX XXXX or XXXX XXXX XXXX to run my credit report. I have no business dealings or a relationship with XXXX XXXX XXXX. I did not sign a contract with them. I understand that the FCRA mandates a 30-day investigation. It can take an extra 30-days if the consumer gives the Credit Bureaus additional information which I did not do for the resolution of disputes, during which the Credit Bureaus is required to contact the creditors and verify the accuracy of the reported information. It is now over the time frame since I last filed the dispute, and I have not received any response or communication regarding the fourth reinvestigation. As a consumer, I value the accuracy and integrity of my credit report as it directly affects my financial well-being. The extended time has elapsed since my last initial dispute. I kindly request the removal of disputed accounts promptly under the FCRA Laws. If necessary, I am prepared to exercise my rights under the FCRA, including escalating this matter to the regulatory authorities and seeking legal remedies to assure the removal of inaccurate information on my credit report. I urge Equifax to treat this matter with such urgency and promptly address the dispute in accordance with the FCRA guidelines. I expect a timely response within 15 business days of receiving this letter. Thank you for your attention in this matter. I look forward to your prompt and resolution in this matter. 
XXXX XXXX XXXX
Product: Checking or savings account

I received a XXXX deposit into my account XXXX XXXX XXXX deposit for XXXX and another for XXXX for my business XXXX XXXX XXXX XXXX. the bank allowed access to the funds until XXXX XXXX and froze remaining funds that were in the account and stated that the would be sending remaining funds back to XXXX. I have waited and provided documentation showing that I'm the owner of the business and have been waiting since XXXX, XX/XX/XXXX the remaining funds were removed from my account which than I believed the funds had been sent back I reached out XXXX days later to the XXXX which was XX/XX/2021 and was informed funds still hadn't been received the bank failed to notify me of the steps for my money and still are holding funds at the security dept and stated it could be a additional XXXX  months before they even send it back to the XXXX can you assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times the following account with Equifax Information Services LLC ; XXXX XXXX XXXX ( Opened XX/XX/2021, Balance {$17000.00}, Original Creditor Name XXXX XXXX XXXX ). The last dispute was sent on XX/XX/2021, see attachment. To this day the Equifax Information Services LLC have respond to my disputes and they still reporting this unverified debt.
Product: Checking or savings account

I have been charged overdraft fees when my account said it was positive but then posted after the fact that it was too low. I dont have all the dates as my account only goes back 30 days but Ive been a member since XX/XX/2017 and have been charged XXXX  if not XXXX  since then.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX  to my XXXX my XXXX  my mode of living and to my XXXX 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXX XXXX XXXX  and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I closed a credit card with Wells Fargo over the phone. The agent told me all fees were paid, and my account was closed. However, checking my credit on XX/XX/XXXX, I saw that there were XXXX months of late charges associated with that same closed account. Logging in, I saw that there was a XXXX charge, on which I had incurred penalties. I quickly paid this XXXX fee and called Wells Fargo XXXX 

After explaining the situation, they said they would investigate. I called numerous times between XX/XX/XXXX and XX/XX/XXXX to try to resolve these credit hits, but I have had no luck. I have not even gotten a reply or a callback. 

This was an event where I was informed an account was closed when it was not. A {$30.00} charge on an account I was told was closed and paid, has ruined what was otherwise perfect credit.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check via the mobile app for {$5200.00}. The bank only recognized the {$250.00}, so that was deposited and it was short {$5000.00}. I called and filed a claim. They deposited the missing {$5000.00} into my account while they investigated the claim. On XX/XX/XXXX, the claim was denied and they took the money out of my account ( STOLE ) the {$5000.00} from me. There is a copy of the check through the mobile app and it is very clear that the initial deposit should have been for {$5200.00}. When I called Chase claims on XX/XX/XXXX, I had to call 4 times to finally get anywhere because the first XXXX calls were disconnected. The XXXX employee I spoke to was able to reopen the claim. I am complaining because at this point, Chase has stolen {$5000.00} from me. I also called the claims department at least XXXX times today to receive an update, and the call was blocked from getting through. Yet when I used my husbands phone to call, it went through with no issue.