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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX CARD XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX FCU XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1100.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my brother had my id and went to a XXXX and got a loan in my name for looks like XXXX. I've been trying to dispute I've called them there still saying its my loan. I have a copy that came from there XXXX ohio branch of my id and a picture of him in the XXXX day of loan clearly not me there's a. Part on the paper that says must read notes one says the starter check he gave them was fake so was his pay stub and he don't have a cdl license I want them to remove from my credit immediately thank you the collection agency is national credit adjusters, the loan came from XXXX XXXX XXXX in XXXX gave him the money
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$7000.00}, {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.
Product: Debt collection

i have no idea why this XXXX is on my credit report or who it 's from
Product: Checking or savings account

I was sent an email sent by XXXX saying an unauthorized payment was made to my account I received call from someone who purported was from XXXX. They asked me if I had purchased an XXXX  and I said no. They said they would help me set up new password in system. They tooK.me through various steps " to set up a new account '' .They took me to a page that said " Cryptocurrency '' and gave me a long statement how this is what XXXX uses. I declined and hung up. Immediately, XXXX was transferred out of my account using XXXX to an a XXXX account registered to " XXXX XXXX '' XXXX account. BB & T is now saying the payment was authorized and they will not reimburse me. I have never opened nor used my XXXX account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised.

I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Debt collection

On XX/XX/XXXX I discovered fraud against my social where store credit card was obtained in the amount of XXXX dollars from Acima. They used my information but a different address than either address Im associated with. This was established XXXX of XXXX with Acima and loans established XXXX of XXXX and XXXX of XXXX. These accounts were established using the same information, and we were Informed via email that there was a data breach of the XXXX system that allowed hackers to obtain personal information and other information about consumers. This is not being negatively impacted and Ive reported it and placed a freeze on all XXXX bureaus, so credit is not granted without confirmation with me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX : Account Number XXXX, which has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I have 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 this account, collection, or hard inquiries as reported. The aforementioned account, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that this consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

Someone created a fake id and went to several stores opening credit accounts at the register. I 've submitted police reports to all the affected credit card companies. Saks continues to send statements indicating late payments. When I contact their customer service, I 'm advised its no big deal and that their fraud team is working on it. They will not allow me to speak to anyone in the fraud department, nor can they provide an address for me to send a certified letter to.
Product: Checking or savings account

Hi I opened accounts ( checking and saving ) with TDbank based on an online promotion of XXXX $ if I do certain deposits during a specific time window. I did all the requirements but when I asked for my promotion money they kept giving me different excuses, first they said Im not qualified for a new account promotion and I should apply for a pre-existing account promotion ( which is lower than XXXX $ new accounts promotion ) I contacted them stating that I opened my account based on the new account promotion and Im not interested in changing the offer. Then they said ok will give you the promotion money in 2-3 weeks. I waited 3 weeks but they didnt get back to me or deposit the promotion. I contacted them but this time they just said you are not qualified because you need to get the promotion by mail! Which is totally absurd first when I opened the accounts I asked if I am qualified? and they said yes, second the offer is online all the time and nothing is said about the mail, third the account was opened in XX/XX/2019 and I contacted them many times and never mentioned that. Thats not acceptable and not fair for the other banks who have other promotions and are honest about them. 
I have records of my secure messages with the bank in case you need them. 
Please let me know if you need any more information. 
Thank you
Product: Consumer Loan

My father went to purchase a vehicle from Larry H miller XXXX. My father was assisting me in getting a vehicle due to my bad credit from a recent divorce. We purchased a XX/XX/XXXX XXXX and signed the agreement for {$370.00} a month. I then received a call from the finance manager a few days later advising me that the finance company had come back and the new amount would be {$410.00} a month and that we either " take it or leave it ''. We advised we no longer wanted the vehicle and the finance manager verbally agreed to release my father from the vehicle. We went in the next day to return the vehicle and they declined because the finance manager that verbally agreed was not in that day. We then came to the agreement that they would call us the next morning immediately to advise us of XXXX schedule. They never called us and a few days went by. We waited 3 days for their call and that Saturday morning the vehicle was stolen out of my driveway. We went to the dealership that day to see what would happen with the vehicle and XXXX spoke to us and told us that the financing for the vehicle had gone thru on XX/XX/XXXX and that it was our vehicle. After speaking with him for close to an hr, there was no resolution and we were treated like dirt. We then filed a claim with the insurance company and on XX/XX/XXXX we received a certified letter from the dealership that the financing had not gone thru. This was 6 days after we had gone into the dealership and they had guaranteed that the financing was done and was with the bank. The reason I feel that they pulled the financing again after advising us it was complete was because there is an addition that the dealership puts in place in the contract that states if someone either steals your identity or your vehicle is stolen, they would cut a check of {$5000.00}. I feel they pulled the financing so they could get out of paying that amount to my father. This dealership violated multiple regulations. First, I am not on the agreement or on any documents regarding the purchase of the vehicle, however the dealership had no issues advising myself over the phone of the interest rate, payment amount and terms without discussing them with my father who was the one purchasing the vehicle. Secondly, we were unaware until after looking up the laws that it is illegal to sell a vehicle to someone with open knowledge that they are purchasing the vehicle for a third party with no intent to use or own the vehicle. The finance manager even told us while we were talking about the payments, that if they asked, the vehicle was for him and not for me. As a consumer, my father had no idea that was not allowed but due to the dealership openly knowing that and still allowing us to purchase the vehicle, the were in violation and sold the vehicle under fraudulent terms.
Product: Credit card or prepaid card

They've processed provisional credits for half the transactions they declined yet put through my account but are refusing to for the other half
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/year> Subject : Request for Debt Validation Dear HELVEY & Associates In XXXX XXXX XXXX XXXX XXXX, IN XXXX I am writing to request validation of a debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting verification of its validity. 


Please provide the following informatio 1. Proof that I owe the debt ( including the name of the original creditor and the account number ).

2. A detailed accounting of the debt, including the original amount, any interest, fees, or charges added.

3. Proof that you are authorized to collect the debt, including any assignment or purchase agreements.

4. Copies of any agreements or contracts I signed related to the debt.

5. Evidence that the statute of limitations has not expired on the debt.

Until you provide the requested information, I respectfully ask that you cease all collection activities, including reporting this debt to any credit reporting agencies.

Please respond to my request in writing to the address provided above. 

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

Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX XXXX  # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX XXXX # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.
Product: Vehicle loan or lease

I leased a vehicle through a dealership in Illinois on XXXX XXXX, 2017, paying applicable sales taxes, registration and title fees for Florida where my primary residence is. I received temporary license plates from the dealership since expired as the leasing institution needed to provide license plates per the law in Florida as they are the legal title holder. The lease was done through U.S. Bank and they had all of the paperwork as of XX/XX/XXXX. As of XX/XX/XXXX, U.S. Bank has not provided me with license plates for my vehicle. I spent 2 hours in the DMV on XX/XX/XXXX trying to figure this out and another 3 hours yesterday, XX/XX/XXXX, there to finally find out that U.S. Bank is at fault in not providing me plates and I wasted a total of 5 hours. After speaking to U.S. Bank last night for an hour, they have not provided a sensible remedy, only more inconvenience for me, they want me to fulfill their duties. Their solution was to provide me a POA from their title department and they could only fax it to me. The real kicker is that this would take an extra 7 business days to get to me where they would overnight at that point. That would leave me driving an unregistered vehicle for another 10 days in Florida. In addition, rather than U.S. Bank fulfilling their requirements to get me license plates as per their contractual and state obligations, they are requesting that I personally go back, and do their work, to the DMV to get the plates when the POA is received so I can waste another 3 hours of my time. I am currently driving an unregistered vehicle in Florida per the DMV here as U.S. Bank has not fulfilled their legal obligations in Florida regarding title nor their fiduciary obligation to me as the leaseholder and customer. In fact they have been grossly negligent with me and have not fulfilled their contractual obligation with me per terms of our lease.
Product: Debt collection

Optimum Outcomes, inc have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre constantly sending illegal mail to me stating I owe a debt. How can you pay something in a positive balance? Please explain.
Product: Money transfer, virtual currency, or money service

I am unable to retrieve exact dates due to the elevation not being resolved with the original bank. I decided to close my account with the original bank and open up another account with a credit union. The bank authorized a transaction that was not approved by myself. I elevated to the bank and was informed XXXX would not be able to retrieve lost funds. I was able to locate the phone number that received the funds but of course had no response. This matter needed to be resolved during that time but the bank failed to take accountability.
Product: Student loan

I am extremely upset because I received a letter saying that I am XXXX days past due on my student loans. Ever since the transition in XX/XX/year>, my {$340.00} XX/XX/year> and {$340.00} XX/XX/year> payments have not posted to my Mohela account even though Mohela has taken money out of my account on XX/XX/year> and XX/XX/year>. I have now overpaid {$680.00} to keep my account current as of today. I called on XX/XX/XXXX and talked with someone and it still has yet to be resolved. I am beyond livid that I am receiving letters from this company when they have clearly lost my money. My car died last week and I had to purchase a new vehicle suddenly. If the loan gets denied because of their stupid mistake, I will be beyond livid and go to the news media along with my XXXX Representative.