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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 XXXXXX/XX/XXXX
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. 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. 
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} 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 XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. Please remove 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 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

On or about XX/XX/2023 my information was used to establish several utility bills totaling about XXXX I never gave anyone permission to use my personal information this has ruined my credit that Ive worked extremely hard to build over the years my creditors are reducing my card limits due to this situation all kind of stuff is going wrong due to this mishap,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX ( XXXX ) XXXX Charge Card XXXX XXXX XXXX Phone Number UnavailablXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX Account XXXX
Product: Mortgage

My complaint is more about the letter mailed to me from Intercontinental Capital Group XXXX in XXXX NC. about refinancing. The letter had a gift card attached and states to call to activate the card and to ask any questions I may have about refinancing. No where in the letter does it state that you must agree to let them look at your credit and try to get you a better rate to activate the card which is what I was told after I turned him down for pulling my credit. He also stated that there were no closing costs but when questioned admitted that they are rolled into the loan, which to me is deceptive when saying no closing costs because there are closing costs rolled into the loan. My mortgage is six months old and I dont need more closing costs rolled into my mortgage. I believe this to be predatory lending practices and false advertising.
Product: Consumer Loan

Vehicle financed through Chase XXXX was repossessed with no prior notice. Loan was only 68 days past due with a payment in the mail and received by them the day after it was repossessed. In XXXX XXXX I believed I had made payment change arrangements from XXXX of every month to the XXXX of every month. Apparently it was not accepted and I was never notified. XXXX XXXX - XXXX XXXX I made my monthly payment via my online bank by the XXXX and I confirmed they received by XXXX every month. This apparently put me in collections for XXXX straight mos, missing my due date by 20+ days. No calls were ever made to me and no attempt to look at my history and contact me to either get my date change or request earlier payment was made. I had an online account with them and never received an email or online message. To make matters worse, I did miss my XXXX XXXX payment due to an oversight on my part. Again, XXXX XXXX XXXX payments were made the XXXX. On XXXX XXXX the car was repossessed. No letter, call or notice received to make arrangements or advise of the intent to repo. Once I called them to inquire about the loan the conversation started with amount needed to bring the loan current. Again, no attempt to understand the situation and look at the history to assess true ability to repay and timing of payments. I was prepared to bring the loan current ( approx $ XXXX ) and recover my vehicle. I was eventually asked " how will I be keeping the loan current '' and I had already advised of the oversight on my part and that it was not due to lack of ability to pay. Frustrated I advised " I do n't know how to answer your question '' and that " I will be more careful and pay on time as I never imagined repo was possible ''. I was placed on hold and it was obvious the collector did not like my answer when she came back as she advised that at this time they were going to accelerate the loan balance and require me to payoff the loan in full ( approx. $ XXXX ). A couple calls back and even an escalation request got me nowhere as I was advised the decision was final. I believe this action was taken to an extreme with no evidence of inability to pay. My reason is complete oversight on my part and I in no way deflected responsibility. I never advised I was without work or any other hardship that would indicate the delinquency would persist. I never received any notice to cure or legally required notice. There is no doubt I broke the terms of the contract but I believe Chase took overly aggressive and unjustified action in the interest of taking advantage of the situation. Their predatory action has resulted in additional financial burden and credit reporting damage that I will live with for years to come.
Product: Checking or savings account

On XX/XX/XXXX my ATM card was stolen and several unauthorized withdraws were made. Upon reporting to Bank of America onXX/XX/XXXX and they said they would promptly investigate the issue. Instead the bank 's fraud team promptly denied the issue on XX/XX/XXXX. As of now XX/XX/XXXX I just received my fraud affidavit yesterday on XX/XX/XXXX Therefore hindering my and law enforcement 's investigation. I have been to the XXXX XXXX Sherriff 's Office XXXX XXXX XXXX Station on XXXX XXXX and spoke with Deputy. XXXX XXXX and Deputy XXXX XXXX of the XXXX XXXX on the dates of XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX. As of today I have not received any provisional credit nor has my fraud claim even been investigated by Bank of America. Now that they have provided me with the fraud affidavit I will file an official police report by no later than XX/XX/XXXX.  Also several online transfers were made using my personal information to fund these purchases and withdraws. Bank of America has repeatedly lied to me and force stopped my investigation and also has closed my account.
Product: Checking or savings account

In XXXX 2017 I mailed a check via XXXX. The check was lost in the mail. I went online to PNC Bank and canceled the check. After I canceled the check a " stop payment fee '' for {$33.00} appeared on my account XXXX XXXX, 2017. Prior to canceling the check I was not notified or warned that I would be charged this fee. I had canceled a check a couple months before over the phone and was not charged a fee. I was under the impression that I would n't be charged a fee for canceling a check online. I contacted the PNC Bank branch in XXXX, OH more than 5 times to speak to the branch manager and have the fee removed. I was continually assured it would be taken care of, yet it never was. I have since given up trying to deal with the branch directly as every time I call they tell me the same story about how he 's " working on it '' and needs to contact someone above him at another branch. Given that PNC has failed to resolve the issue for over 8 months, I now must turn to the CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Experian and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Experian. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to Experian stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Experian ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Vehicle loan or lease

I got into car accident 2016 and my car was total loss and I had gap and the didnt give me both back
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report.
Product: Credit reporting or other personal consumer reports

I made multiple attempts at disputing multiple items on my file with consumer agencies. A few of these items have been deleted from one or two of these agencies while the same account reflects on other reports. The accounts that should have been deleted but were then updated from close to open or have updated without any payment history nor validation of debt itself. I havent finished to these debt any permissions to check review any of my personal information with that being sad these companies have violated my rights and the reporting agencies arent in compliance with the rights afforded to me based on 15 U.S.C 1681. These accounts should be removed effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 


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

Experian has repeatedly violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct an inaccurately reported late payment on my credit report. My disputes regarding this error date back to XX/XX/XXXXXXXX XXXX XXXX  with my most recent dispute submitted on XX/XX/XXXX. Despite multiple attempts to have this issue resolved, Experian has failed to conduct a proper reinvestigation and has continued to report inaccurate information, causing significant financial and emotional harm. 


Account : XXXX XXXX XXXX XXXX - INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX - 30 Past due 30 days - NEVER LATE XXXX - 60 Past due 60 days - NEVER LATE XXXX XXXX XXXX XXXXXXXX INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX  30 Past due 30 days - NEVER LATE XXXX XXXX XXXX XXXX NEVER LATE ; INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX  - 30 Past due 30 days - NEVER LATE XXXX - 60 Past due 60 days- NEVER LATE XXXX XXXX XXXX Charge off - Current / Terms met XXXX XXXX XXXX Charge off - Current / Terms met Experian violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy before reporting the late payment and 15 U.S.C. 1681i ( a ) by neglecting to conduct a reasonable reinvestigation within the legally required timeframe. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), Experian was required to delete or correct the inaccurate information if it could not be verified, yet the erroneous late payment remains on my credit report. Further violations include 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that Experian notify the data furnisher of my dispute within five business dayssomething it failed to doand 15 U.S.C. 1681n & 1681o, which hold Experian liable for willful and negligent noncompliance, resulting in financial losses and emotional distress.

Due to these violations, I am entitled to statutory damages of up to {$7000.00} for multiple FCRA breaches, in addition to actual damages resulting from higher interest rates, potential loan denials, and the stress caused by Experians refusal to correct its reporting errors. Furthermore, Experians actions constitute unfair or deceptive business practices under the Tennessee Consumer Protection Act ( Tenn. Code Ann . 47-18-104 ), making it subject to additional penalties and damages. 

I demand the immediate deletion and correction of the inaccurate late payment, along with written confirmation of the correction. Additionally, I request compensation for damages caused by Experians noncompliance. If this matter is not resolved promptly, I will proceed with legal action in XXXX XXXX XXXX XXXX to seek the maximum statutory damages, actual damages, legal fees, and any other relief permitted under federal and Tennessee law.
Product: Checking or savings account

I made a one time purchase with XXXX XXXX XXXX XXXX  ( company ) in XX/XX/2020, and now I am being harassed by a collections agency named " XXXX XXXX XXXX XXXX XXXX '' After my purchase of XXXX XXXX XXXX XXXX on XX/XX/2020, I called them and told them to cancel my subscription. I notified them that I did not open their product and would be sending back the product. They indicated that they would close out my account and would not be collecting any monies from me as a result of the unopened product being returned. They gave me the XXXX numbers to include on the package. I sent those packages back and they were delivered. 

On XX/XX/2020, XXXX, I called XXXX XXXX XXXX asking for verification that they closed my account. They mentioned that they could not close the account because I only sent one package and not two separate packages. I told them that I was never informed that the two products needed to be sent in individual packages. The represented from XXXX XXXX said, Oh, wow he forgot to tell you. Dont worry, if you pay {$18.00} today then I will close out your account? I informed her at that time that I knew that this was a scam. I asked her to transfer me to her Supervisor, because I would not be paying the {$18.00} nor providing her with any more credit card information. She stated that she would escalate my case to her Supervisor and that they would be calling me 24 hours later. 

On that same day XX/XX/2020 at XXXX, I called XXXX XXXX XXXX XXXX  again hoping to get a hold of another representative. The gentlemen explained to me that he could not close my account. I then received a cancellation email ( see Exhibit B ) at XXXX, right after we hung up from the original transaction I made on XX/XX/2020 at XXXX. 

I have formerly written National Administrators Inc. that they cease and desist all phone calls as they are harassing and incriminating in nature. They continue to call me and send me mail, asking to pay the balance of {$110.00}.
Product: Credit card or prepaid card

I had a Sears MasterCard serviced by Citibank. A few months ago, they charged my bank account ( for credit card payment ) for an unauthorized {$300.00}. This caused three insufficient funds fees in my bank @ {$12.00} each. I immediately reported the error to Sears and to my bank. after a couple phone calls and asking for a supervisor, they finally apologized, sent me a letter and refunded the fees to my bank. However, on my next billing statement, they had charged my card {$36.00}. I also realized they were not deducting my monthly payments from my balance. I called and emailed via the website multiple times to Sears and to Citibank. I found information on the website about Sears closing? It was very shady and vague And when I finally got through to humans on the multiple phone calls, they said they had nothing listed under my name, account number or social security number. After speaking to my bank, I was informed Sears had issued a charge off on my card, thus ruining my credit!! 
this whole thing is shady, fraudulent and unjust. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Acima Credit located in XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Acima Credit has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit card or prepaid card

I was at XXXX XXXX XXXX XXXX, and they offered promotional financing. I know they said promotional financing, because I didn't want another line of credit on my account. I get home and turns out I get a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
Product: Debt collection

On XX/XX/2023 the debt collection company attempted to create a payment plan that I did not consent to for a debt that I do not know. When I reached out to them, they did not provide me the information stating that I owe the debt and then asked me to provide information that it had been paid. The burden is not on me to show that it has been paid, the burden is on them to show that it is owed. As an attorney I will take every possible action
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification from my XXXX XXXX XXXX  that XXXX XXXX XXXX was running my credit I called XXXX XXXX XXXX and they told me that XXXX was inquiring on my credit because they opened and account using my name but a last name that I havent use in years for an XXXX that I never orderedhowever XXXX XXXX also told me that even though XXXX was checking on my credit they dont have anything under my name. called XXXX, XXXX does not have an account under my name and I opened and investigation with XXXX XXXX XXXX and XXXX. And even though they told me that I didnt have an Account with them I got a bill from XXXX XXXX XXXX. I also reported it to XXXX  and FTC