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

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the fraudulent items.The following accounts are XXXX XXXX XXXX Preferred Lease XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. credence resource manage, credence resource manage, credit collection servic, XXXX XXXX XXXX, lakemanawa, XXXX XXXX, edwards XXXX XXXX, first premie XXXX, united XXXX XXXX co XXXX, XXXX credit, big o auto XXXX, nowcomluxe automotive XXXX, nccincedwards XXXX XXXX, nowcomwestlake financ XXXX, exeter XXXX llcwgc XXXX, united XXXX XXXX co XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a fraudulent and unauthorized XXXX credit card account listed on my XXXX XXXX, XXXX and Experian credit report. The XXXX credit card account ending in : XXXX with a balance of {$6000.00} is fraudulent and unauthorized. The account do not belong to me. I did not apply for the XXXX credit card account ending in : XXXX. I have never applied for a XXXX credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, Equifax, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7  ) XXXX XXXX XXXX 8 ) Capital XXXX XXXX XXXX 9 ) XXXX XXXX XXXXr 10 ) XXXX   XXXX XXXX
Product: Checking or savings account

I recived the email from the bank on XXXX XXXX, they said will close my account for no reason, i called them many times they do not give me the reason. But I stiil have over XXXX thousands dollars on account. The bank does not send the check until now.
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX XXXX contacted me about a debt from 2014 from Comenity bank. Claiming this credit card from XXXX has been accruing interest and late charges for 10 years. I am unaware of such debt and also never recieved a single notification of the debt in the mail or email. I asked them to send me copies of statements or somehow proof of the debt and they will not provide me with such documentation. They keep requesting a debit card to make payments without providing proof of debt. They are now threatening to sue me since I refuse to sign an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan ran my credit 4 times ( hard inquiry ) without my consent. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Vehicle loan or lease

Purchased a new XXXX in XXXX XXXX XXXX, was told after i had the car am almost a month that i owed for a down payment that was never received by Tesla, Ive asked several times that they check their records because i paid my down payment and even submitted proof that the payment was debited from my checking account, now I'm being threatened daily of a repossession that cant be legal.
Product: Bank account or service

It has been XXXX nightmarish episode after another with bbva compass bank. This bank organization seem much more interested in find a way to levy hefty and generous fees and giving away my money, than any thing else! It was XXXX consumer episode after another. I have been completely unhappy and felt abused in dealing with this organization. I plan on filing complaints with my congressional representatives and whatever federal agency I can find. This organization wants to engross themselves on the backs of the hapless and poor. Which I feel is very discriminatory in nature. Having money in accounts with this organization has been like putting gas into a car while it has holes is the gas tank. I will also be looking into hiring a legal firm to look into these business practices at this banking organization. There are probably a lot more small accounts that are suffering a the hands of this bank. I feel that this bank operates in bad faith and has been gross negligent with my account!
Product: Credit reporting or other personal consumer reports

RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXXXXXX XXXX  : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX  : ACCOUNT # XXXX ...
Product: Credit card or prepaid card

Capital One is running credit checks without my authorization. I do NOT have an account with them and have never had an account with them. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX times XXXX XX/XX/XXXX. Attempts have been made to stop these credit checks but Capital One has not ceased.
Product: Checking or savings account

I was sent a text ( XXXX ) by the bank asking if i had made a charge. The name sounded like a Restaurant I had just eaten at and I clicked " yes '' ... then the next day I wake up to a negative balance on my account. I went to the renasant bank in XXXX mississippi XX/XX/year> and filed a claim for fraudulant charging. While I was sitting there and before she could even cut my card off they were charging ( scamming ) me again! I filed the dispute. I had to wait XXXX working days they said, so I did. then I had to call and they said they had denied the dispute costing me over {$1200.00}, They stated because I hit " yes '' then I approved the charges. I am sending documents that I have including a police report. I feel I was not treated fairly since this was an innocent mistake and all I received was a text asking if I approved the charges. I believe there should be better security with a client 's account than just a text! 
The bank also charged me overdraft fees in the amount of {$180.00} ( date XXXX ) thru out all this before the dispute was denied. 
I know they are lacking in security because during the numerous calls I made to the bank XXXX lady just asked my name and account number. SHe never sent me a code or anything like that. The documents I am including is the police report, the charges that were fraudulant and the Overdraft fees. 
If you can help in anyway to get my money back please do ... or at least get the banks attention in using better security measures than just a simple plain text asking you to hit " yes or no '' like kids do when they are asking you if you want to go steady! 

thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. XXXX Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. Experian XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX  3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX  6. XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I, XXXX : XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) Inquiries : XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) XXXX. ( XXXX, XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity XXXX Documentation
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a credit card from XXXX XXXX. I notice it was a real physical credit card that I did not apply for. That is when I realize someone was using my social security. I did report to the police and made a police report that is not ready its still pending on my end. I notice many inquiries on my credit report. I notice this inquiry on my XXXX credit report that I did not do. 
BRCLYSBANKDE XX/XX/XXXX I have not applied for anything since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid my balance in full last month, yet was charged interest because I did not pay the balance the month before. It was explained that even though I was already charged interest on the previous months charges, and then paid the account balance prior to the due date as it was billed, I was being penalized for not paying it off the month before and that the Capital One cards are not like other cards, in that the only way to avoid interest is to pay it off each and every month. Again, I paid the balance in full prior to the due date. Also, when asking that the XXXX-dollars and some change be waived as a courtesy, I was advised that there were currently no offers to waive the fee.
Product: Mortgage

I'm a fist time home buyer hoping to purchase my dream home, then I choose Citi bank to finance the mortgage everything was going well until they change my loan office in charge of my loan. the people who took over from her was very negligence. my closing day was supposed to be XX/XX/2023, and the loan processing started since XX/XX/XXXX, 2023. it was always very difficult to get the loan processor on the phone, and if I send her email her respond delay. we have 45 days to go through this whole process. all document they ask was sent promptly. last week when I see the closing date was getting closer, I have to send another email and copy customer service. each day I will not ear from then, until i send an email and they will respond that I should send another document, which I will send to them right away. this was going on and on until we get to this point and the seller of the property have decided to cancel the contract. because my closing day past and loan have not still clear to close. they now promising Friday XX/XX/XXXX for closing. I put a lot of time and energy in this. i want to be compensated for my time and return my {$650.00} i have earlier paid to them for processing fees. this is due to their staff negligence. they treated me very very bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several companies and credit card companies have kept old information on my credit report even though it has been well over 7 years since the debt occurred and the accounts were closed.

XXXX XXXX Credit Card opened on XX/XX/XXXX has been closed for years but is still showing on my credit report as owing {$1400.00}.

XXXX XXXX   opened XX/XX/XXXX has been closed for years and still is showing on my credit report as owing {$890.00}.

XXXX XXXX XXXX XXXX is showing 9 different accounts on my credit reports and open XX/XX/XXXX and closed over 7 years ago and still showing I owe {$1700.00}.

Ally Financial ( unpaid car loan ) was closed over 7 years ago but they keep sending the debt to new collection agencies and thus lowering my credit score and adding negative debt in the amount of {$23000.00}.

There is also fraudulent activity on my credit reports and I have filed police reports with the XXXX  NC Police Department and charges have been filed against the person responsible for the fraudulent activity and opening of accounts with my personal information.
Product: Credit reporting or other personal consumer reports

I have a couple of hard inquiries on my credit report that I did not authorize. I did not give permission for my credit to be ran, and I would like them to be deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft SYNCB/LOWES Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to send a request for account information to XXXX XXXX XXXX. The mail was returned as non-deliverable ( see attachment ). On XX/XX/XXXX, I sent out a request to have the item removed from my account to XXXX, TransUnion, and XXXX, respectfully. I have been sent a reply from XXXX, and TransUnion stating the account was verified, with the same non-deliverable address and an incomplete account number. I have not received a reply from XXXX in the timely manner described by federal law ( 31 days ). In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, XXXX, and TransUion have all violated my rights. 

As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : Both Experian and XXXX Credit Bureaus have failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with both Experian and XXXX per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for this account. In my dispute, I also demanded the account be Verified or Removed immediately : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both Experian and XXXX received their Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither Experian or XXXX have provided Verifiable Proof that meets the standards of FCRA XXXX and this account still remains on both my Experian and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX