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

This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within five days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX  Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution.
Product: Consumer Loan

Potential sensitive information security breach has occurred in Mercedes-Benz Financial Services ( MBFS ) as I received statements from other MBFS customers and able to open and view those statements which contains details including name, address, account numbers, loan balance, payment due, VIN, car description, etc. I now have access to at least XXXX other customers as each month they sent me statements for different customers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : XXXX
Product: Bank account or service

I made an incoming transfer of {$40.00} from the XXXX Bank to Chase to cover the outbound transfer for {$60.00} from my Chase checking account using Chase QuickPay service. The available balance on my Chase chasing account after the transfer was shown to be {$65.00}. Thereafter, I made an outgoing transfer from Chase to my daughter, XXXX, for the amount of {$60.00} on XX/XX/2016 to her Chase checking account to help her make a payment to Chase credit card. After the transfer, the available balance on my Chase checking account was {$5.00}. However, the next morning on XX/XX/2016, my account was overdrawn by - {$28.00}, because my account had been assessed a non-sufficient fee for {$34.00} for making that outbound transfer. Immediately I contacted the Chase representative asking about the fee. I was told that when the {$40.00} incoming transfer arrived to my Chase checking account from the XXXX bank, it was beyond the cut-off time of XXXX Central Time and that I did not have enough funds in my account to make the subsequent transfer of {$60.00} to XXXX. I told the representative that my available balance was shown to be {$65.00} before I was allowed to make the outbound transfer for {$60.00} using Chase QuickPay. However, she was unrelenting and refused to reverse the non-sufficient fee.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX called me about student loan forgiveness. They told me all I have to pay is a one time fee of {$1300.00} and they will wipe away my student loan. They said my payment will be {$0.00} for 242 days after that they will be wipe out all my student loan debt. They emailed me papers and I signed I had no ideal they opted me into a loan with a company called equitable acceptance. Also pretended to be me for an income driven plan that I could have done for free. So i have been paying them for a year now with an interest rate of 20 %. They did not tell me this verbally. I have no idea why I 'm paying this company from. I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX liens on my XXXX credit report that do not belong to me. I have asked for verification from XXXX and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
Product: Bank account or service

I purchased my first home on XXXX XXXX 2015. I used XXXX XXXX XXXX XXXX for my closing. When they paid my first tax payment, they wrote the check payable to the County Treasurer 's office but mailed the check to my homeowner 's insurance company, XXXX XXXX, on accident. XXXX XXXX company did n't pay attention to the payble to line on the check and deposited the check. Chase bank allowed them to deposit the check to even though the check was not payable to them. My biggest complaint in all of this is that the bank allowed XXXX XXXX to deposit a check that was made payable to the treasurer 's office. 

The reason Chase Bank is my main complaint is because of their response when I filed a complaint with them. 

Chase Bank 's response was that when a check is deposited by a business, they do not look at the payable to line. Then they stated they would not discuss the matter further because neither the account the check was deposited to nor the account the money was coming from ( XXXX ) did not belong to me. Because they allowed this check to be cashed, my property taxes were very nearly late. I received and overage notice from XXXX XXXX XXXX XXXX late in the day ; I deciphered the situation on XXXX XXXX ; I mailed the check XXXX XXXX. Taxes were due XXXX XXXX. Also, I had to pay for the taxes out of pocket until the hold on the insurance company check cleared with my bank. 

As an individual, if I tried to deposit a check that was not payable to me, there would be severe repercussions. If a wife tries to deposit a check payable to her husband into her husband 's account, she ca n't even do that with Chase bank. Why do these rules not apply to companies as well? 

XXXX auditing process is the reason I caught this mistake. Their timely overage notice XXXX days prior to my taxes being due was the saving grace in this situation. XXXX XXXX XXXX XXXX admitted their mistake and refunded my {$200.00} closing fee. Why is it that the bank is the only agency in this matter that is not being held accountable for their ineffective business processes that potentially harm the individual? 

I have filed complaints with multiple agencies regarding this issue and all of them have said they do not govern the institutions and can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 1/2 Years Credit Karma has been giving Me FALSE INFORMATION about My Credit Scores, A Blatant Violation of 18 US Code 1038 ; They have had Ample Time to Satisfactorily Resolve The Issue.

Now, To Clearly Avoid Resolving The Issue, They have Deactivated My Account WITHOUT MY AUTHORISATION! THIS IS UNLAWFUL TAMPERING TO AVOID PROSECUTION, A CLEAR VIOLATION OF 18 US CODE 1512, PARAGRAPH C!

IN THE MEANTIME, CREDIT KARMA STILL LIES TO THE PUBLIC WITH IT'S DECIEVING ADS!
Product: Credit reporting or other personal consumer reports

Disputed multiple times with XXXX over incorrect information and after their investigation, the payment history information continues to have incorrect consecutive and reoccurring details. The account has been paid/settled and even written off by the creditor, however a 1099-C was not provided.
Product: Debt collection

I have written letters, made phone calls, even sent a cease and desist order to United Revenue Corporation requesting they remove the illegally obtained medical information from my credit reports. They are only to have my BILLING information under HIPAA. They have, however, my actual medical charts. I will attach proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

DIVERSIFIED CONSULTANTS has been calling me for about 6 months now every day around XXXX a.m. and sometimes in the afternoon about a bill that was paid years ago! 

I don't owe XXXX {$320.00} yet DIVERSIFIED CONSULTANTS keeps calling me everyday! 

NOW they have reported me to the credit bureaus for a completely false bill that has BEEN paid. 


DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$320.00} High Balance {$320.00} Remarks Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information for the following : 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, credit repair services, or other personal consumer reports

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Product: Payday loan, title loan, or personal loan

They had a data breach and my credit has been hit from the breach from someone stealing my identity from there breach
Product: Credit reporting or other personal consumer reports

I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile that were bought out by third party collection agencies, who I did not authorize or consent my personal information to. Because of this error, it is lowering my credit score, and increase derogatory marks on my credit report. I am unable to get any loans at this time and my interest rates are through the roof. I.C. Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a strange address and two accounts which do not belong on my credit report. I have reported them to Transunion already but they still haven't been deleted yet.
Product: Credit card or prepaid card

Bank of America case # XXXX XXXX XXXX billed my card for unauthorized charges
Product: Debt collection

XXXX mixed my file with someone else. I do not know if it was id theft or someone elses actual credit file. But the skinny is that Portfolio Recovery Associates ( PRA ) did not have any of my information until XXXX provided my social, address and name to PRA. 

I did an experiment. I called PRA and they said I have a collection from XXXX for me. I have 2 XXXX accts right now. I told them to hold while I get XXXX on the line to see if they have any OLD collections from me. PRA first said yes they would stay on line and when I called XXXX on conference call PRA refused to stay on and we were on recorded call ... they didn't want to hear the truth. 

PRA disconnected, and I stayed on with XXXX and asked if they would be able to see ANY old collections. Rep. said she would be able to see any OLD collections ... I asked if she sees ANY old accounts for me on file ... she said NO. So now I have proof that PRA switched info in it's records to come after me for no reason. 

PRA has reported 8 unwarranted collections on XXXX, XXXX and XXXX. 

Just wanted to share.
Product: Consumer Loan

After being unemployed for the past 2 years, I need to get my credit to good standing. I called Santander to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is {$0.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 card or prepaid card

US Reliacard is a parasitic SCAM!!!

My unemployment benefits were paused, then paid in a lump sum. I am unable to use or access my benefit payment without unnecessary fees and delays. There are ridiculous transaction amount limits as well as frequency of transaction limits. I am forced to slowly withdraw my benefits in small transactions and pay a fee after the 2nd monthly transfer. Their direct bill pay option is not direct at all and redirects to a 3rd party with a non-affiliation disclaimer, should anything go wrong.

I have called the US Reliacard 24HOUR hotline several times in an attempt to increase my account limitations and access my benefits. EVERY call has been redirected to a personal phone line, answered either by a recording that this number is closed, call back again for the next available rep. ( there aren't any! ) ... or it gets answered by someone confused, simply saying hello and hanging up.. not a professional call center or representative able to handle any US Reliacard business whatsoever! 

This Fraudulent bank and card exists solely for the purpose of applying hurdles and obstacles in the way of our taxpayer-funded benefits in order to skim funds to enrich themselves. Their website and app do not provide the necessary customer service and access to account settings and features and their customer service hotline ( XXXX ) is a deliberate time wasting loop that directs you to only dead ends before hanging up on you every time you select to speak to a live representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to remove THESE ITEMS : 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  The items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

My nonpublic personal information has been compromised, shared with and used by credit reporting agencies without my consent or authorization. I checked my credit report and identified several fraudulent transactions that do not relate to me. No person should be using any of my information without my consent. Utilizing and sharing my information without my consent identity theft and invasion of privacy. Since then my personal information has been compromised and even spread to the dark web and other places. This has caused issues with my finances and even at my workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, I CONTACTED EXPERIAN XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY EXPERIAN XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON EXPERIAN XXXX AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX company still has my account with a balance of XXXX with XXXX when the balance is XXXX, paid in full. Also Experian and XXXX have not included this trade line on my credit report and i have requested that it to be reported since it is with one major bureau, that the other 2 agencies should report the same.
Product: Credit card

Dates : XX/XX/2023 Amounts : {$1000.00} My friend and I booked XXXX rooms at the XXXX XXXX XXXX from XX/XX/XXXX to XXXX, 2023 ( XXXX  nights in total for XXXX  people ). It was only after checking in at the hotel that I realized I hadn't applied the offer ( 30 % off for XXXX+ nights ) to my hotel stay expenses. I called on XX/XX/2023, to inquire whether I could still apply the offer, but the hotel staff refused. This offer is available on the hotel 's official website and is applicable at any time of the year. I have attached it for reference. The discounted amount should be $ XXXX % = {$660.00} ( 70 % is because the coupon is 30 % off for XXXX nights stay ). 

In addition to not allowing us to apply the offer, the hotel also charged us extra for breakfasts. When we booked the hotel, we reserved rooms that included breakfast. When we checked out, the breakfast server also mentioned that there would be no additional charge if our room included breakfast. I have attached a screenshot of the booking confirmation that shows breakfast was included when we made the reservation ( They charged me extra $ XXXX {$84.00} ). 

To sum up, they should have charged me XXXX XXXX+TAX instead of {$1000.00}. I want my refund. 

I disputed this charge with US Bank. US Bank only hastily contacted XXXX XXXX XXXX and informed me that the offer couldn't be used after the purchase ( while it says the offer is available all year around on the hotel official website ), without providing an explanation for the breakfast charge. Therefore, I am here to complain about this.
Product: Checking or savings account

I was out of town for a few weeks. When i returned home i was supposed to have a new debit card. I did not. So i looked for the tracking and it showed it was delivered and set beside my apartment door to my. It was not there. There were nothing by my door. I called how much that costs to redo all of those. It costs not even close to my budget. I then contacted wells fargo fraud department. They were the rude, disrespectful, made fun of me and told me to forget it. I was mortified and just sat on my Couch and cried because they wouldnt help me. That money was all i had to pay my bills including rent. Can somslne please try to get my money back? I have hardly anything. I barely have food in my cupboards because i expected to get my money back. Please help me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX CO XXXX XXXX XXXX & CO XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

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 # 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: Debt collection

This debt has been paid off since 2017 yet the finance company still calls continuously even after I have repeatedly changed my number, they track me down and then continue to call and harass me for a debt that doesnt exist. I have remitted the receipt several times and they still call. It is total harassment and its purposeful. The same company lost a class action lawsuit against them and I was reimbursed and they still call claiming that I owe them money!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just got a copy of my credit report, I notice you are reporting this account incorrectly. This collection account is already as PAID/CLOSED, According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion