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

I did not authorize these inquiries on my credit report please remove them from my credit immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my credit report.
Product: Credit card or prepaid card

I have 2 friends that created their own training company. I want to purchase their 1 year annual reoccurring membership. XXXX and USAA and the federal government have tagged my account to be unable to participate in lawful training. This is a violation of the first amendment for association. Violates my rights to educate myself and stay current in my profession. Im a currently serving honorable serving XXXX. This is a violation of my rights to due process! I havent been convicted of any crime. I want to receive damages for the violation of my rights! The Constitutional rights is being violated. I have other knowledge from XXXX XXXX  from a similar training company.
Product: Credit card or prepaid card

TD Bank credit card was contacted disputing XXXX charges XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX XXXX {$70.00} XX/XX/XXXX XXXX  {$140.00} TD Bank responded XX/XX/XXXX that the charges were valid, providing invoices from XXXX showing my name and billing/shipping address. Emails on the order are not My email addresses. I never ordered anything from XXXX ever The items were not ordered by me, not requested by me, not shipped to me, and not received by me. 

TD Bank says they can not help and contact XXXX. 

XXXX says that since it is past 60 days they will not discuss
Product: Debt collection

XXXX XXXX  XXXX, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year 2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with Ford Motor Credit and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Transunion on the following dates XXXX, XXXX and asked that the inquires listed on my credit profile be removed due to the inaccurate reporting. Transunion has responded each time stating that they verified the information, however, they will not provide me with anything in writing that these credit inquiries are in fact valid. This is negatively affecting my credit, and I ask that these inaccurate inquires be immediately removed. 

Transunion will not provide anything in writing as to " WHO '' authorized these inquires since these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I lost my previous place where I was living. In the judgement with the court the managers were awarded the property only and not an monetary amount. After going back and forth for a year with the company. They finally gave me a move out statement. The amount the company is saying i owe is incorrect. I need this fixed.
Product: Checking or savings account

Account name XXXX XXXX XXXX XX/XX/XXXX, XXXX Theft by trick, Bank of America representative called my cell phone at XXXX XXXX  pst, said I was hacked by XXXX and XXXX XXXX was responsible for the fraudulent transaction, I had to transfer {$12000.00} and second transaction of {$3000.00} by XXXX XXXX secured transfer to clear up the fraudulent transaction. I sent the cash after withdrawing from my account. XX/XX/2023 same representative text me a federal letter from comptroller of the currency to confirm all that transpired XX/XX/2023. Then same person from Bank of America said my husbands XXXX XXXX retirement acct was hacked, and they wanted me to get out {$62000.00} from that acct. We then realized this all must be fraudulent as of XX/XX/2023. I then filed theft fraud complaint with my Bank of America manager in person, FTC, Ic3 FBI, XXXX XXXX Police dept, secret service homeland security. XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I applied for a vehicle loan and was denied due to information on all 3 credit bureau reports which reflected I owed {$3000.00} to a " XXXX XXXX ''. I immediately contacted the company who indicated this was a student loan. I informed them I never applied or received any funds from a student loan. I filed a report with the Federal Trade Commission. XXXX XXXX then begin reporting the account under : ATG Credit LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. When I contacted the Company and requested a copy of all documents relative to this debt specifically signed loaned documents, cancelled check stub or related bank account funds were sent to, the agent hung up. This is ID theft. I never applied for or received any funds from XXXXXXXX XXXX or ATG. I did not received my drivers license until XX/XX/XXXX. I would appreciated your assistance.
Product: Vehicle loan or lease

I was approved for an auto loan on XX/XX/2023 by one main financial ... .during the closing part of the application the representative ( XXXX XXXX ) was rude on the phone accusing me of not following instructions... I was so frustrated that the dealership workers had to talk to her over the phone ... .we closed the deal... on Friday XX/XX/2023 I get an email saying that the loan was denied ... XXXXon Monday XX/XX/XXXX I called the number that was listed on the email and spoked to a gentleman from one main financial collection and explained why I was calling ( I was calling about the denial letter ) he said to ignore the letter ... ..I have spend all weekend XXXX  reviews about one main financial and I read up on alot of complaints and warnings from other consumers who dealt with the same thing I did... I am afraid that if I ignore this denial letter, it may haunt me in the future. The gentleman on the phone even asked if I talked to a lawyer and I told him not yet ... I'm worried about my financial future after dealing with poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

There is a debt collector by the name of LVNV Funding LLC that claims I have a debt they purchased I am responsible for, and they can not provide me with any information with the account. On XX/XX/XXXX, I received a letter from my employer stating that they received a wage order from a company called XXXX XXXX XXXX to garnish 15 % of my income on behalf of LVNV funding. I have never received any other notices prior to my employer informing me of what they have received. on XX/XX/XXXX, I reached out to LVNV to receive a proof of purchase agreement or more information on the account they claim I owe which does not belong to me and I did not receive a response or answer XXXX  phone. I was redirected to resurgent capital when I searched LVNV online to find any account information associated with my name. According to their database, they have no information for my alleged account and directed me to call for more information, upon calling resurgent after they hung up on me three times, they also stated they can not disclose any information to me, but I can begin sending payments. I explained that I filed a police report because there is no account that I have had with them, and they claimed they would be mailing me information for my request to close an account that does not exist, and I still have received nothing from them. I am expected to show up to court but I can not find any legit information from this debt collector that shows proof I am liable for an account dated back to XXXX that does not belong to me. I recently had another account removed for the same reason from LVNV funding in XXXX and now they are back on my credit report and garnishing my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage ( loan # XXXX ) with Citibank for an investment property XXXX XXXX XXXX XXXX XXXX, IL XXXX. The mortgage payment was setup on automatic payment plan. Citibank changed their internal mortgage payment plan vendor and thus the automatic plan was cancelled. I was delayed for 2 months on my payments due to this as I didnt realize the issue. Citibank contacted me and I immediately paid the balance due in XX/XX/2018. The account is now current. However the payment delay is impacting my credit score. This should be removed from my credit score as I paid the amount as also the fact that Citibank changed their internal system and voided my automatic payment plan that was already setup.
Product: Vehicle loan or lease

Wells Fargo Auto Dealer Services completed a mediation with me on XX/XX/XXXX in regards to a past auto loan from XXXX. I initiated this mediation back in XX/XX/XXXX because I was not satisfied with the response or treatment I received when I started asking questions and wanting answers on financial reimbursement amount. Most importantly I was also sent a 1099 on the reimbursement! I have asked several times for clarification and it was also mentioned to mediator and completely dismissed and I was told to contact a tax specialist regarding the topic. My vehicle was financed and repossessed twice by WF and they also had a XXXX policy on my account without my knowing. I carried my own policy the entire time. No agreement was met and honestly it is very upsetting to have this re enter my life and rehash the emotional distress Wells Fargo caused me. The most recent letter from XX/XX/XXXX states that I have the right to file a complaint with CFPB. I am now in my XXXX month of this and have seeked legal representation and have not agreed to the proposed amount from mediation. Wells Fargo has not tried to reach me since the XX/XX/XXXX letter
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 # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX Bankruptcy # XXXXXXXX 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 ssection 604 A Section 2 ; it. Also states a consumer reporting agency can not furnish a account without written instructions. 

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

Santander Consumer USA was in Multi State Class Action Suit XXXX which They owed Consumers Damages and Titles They were supposed to send US Checks and The Title While Removing The Negative Information from Our Credit Reports I was waiting for My Check And TITLE To Be Done With Santander I Contacted The CFPB back then sometime in XX/XX/XXXX Either They were Hacked or they claimed they were going to repo my vehicle with no way to respond to that e-mail only a way to opt out or call XXXX But since the First Class Action Suit when I called The Workers wouldn't give me any information on my account they just kept talking about the XXXX XXXX that wasn't on US But On Them and their accounting I couldn't get anyone to help me it escalated back in XXXX and I was told I didn't have an account with Santander back then on their own Documents they Closed my Account in XX/XX/XXXX because I was one that was owed by them My Credit Report stated that they predicted that it would be in good standing or something by XXXX because that's how long they would take to fix that issue on their end fast forward to XXXX XXXX My name and my son 's name were entered into another Class Action Law Suit Against Santander Consumer USA for Illegally Repoing Cars the claim said that we didn't have to do anything then in XXXX we received separate checks so Santander Consumer USA Needs To Stop with The Threats Harrassment and Abuse Send US Our Title and All money still owed to US STOP E-mailing or sending our information to some kind of Collection and Pay damages for the on going breaches of our information We No Longer are In Business With Them
Product: Credit card

Target card attempted to be opened in my name, Target did verification callback and I told them its fraud so they denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this dispute to exercise my rights under FCRA. This company is in violation of the following.

Pursuant ( 15 U.S.C 1681 section 602 A. ) States I have the right to privacy but this company is reporting items that I have not authorized them to report which is also a form of identity theft.

Pursuant ( 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ) I have attached the corresponding dispute letters that apply to this dispute. I have tried to deal with this company directly but they are unlawfully disregarding and undermining my rights with stall letters.

If this company is not able to produce my wet signature as proof of contract then these claims are dishonorable and must be removed from my consumer report.

I request the CFPB to implement and enforce my Federal consumer financial rights under law for the purpose of ensuring that I the consumer, have access to markets for consumer financial products and services and that the markets for consumer financial products and services are fair, transparent, and competitive. As stated within the MEMORANDUM OF UNDERSTANDING.
Product: Mortgage

Loan care offered me a modification during the XXXX pandemic and they told me that they would add the payments to the end. They told me that it wouldn't effect my payment history or to cause me to lose my home. They assured me that it wouldn't hurt my credit or cause any other issues that wouldn't prevent me to buy another house in the future. Then I decided to sell my home which I ultimately did and wanted to buy another home. During the process of buying a home, I find out that they have reported my loan late several times which hurt my credit and chances of buying a home. I sold my home in XXXX of XXXX and had to rent because my credit was effected. I called and the person told me that it was an error and it would be corrected. I decided to rent and then try again which I did about a month ago. Surprise to me was that they didn't correct the report and my credit was still bad due to their error. I've called multiple times over the years and their service is inconsistent and appears to be unorganized. I've spoke to other people who have experienced the same situation with Loancare. Their carelessness has caused my credit to stop me from buying a home or having to settle for worse than normal loan terms. Please help because I can't be the only one who has had issues with Loancare. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON XXXX SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX AMERICAN EXPRESS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i'm filing a complaint against cash app, due to inadequate customer service and unfair practices that violate cfpa. cash app failed to take effective measures to prevent fraud. my account was vulnerable and unprotected. the dispute process was unfair and deceptive. they also violated efta. these actions have cause financial loss and extreme inconvenience. i seek appropriate redress for these violations.
Product: Mortgage

PNC repeatedly requested duplicate information which I mailed or faxed multiple times. In addition, they had access to 3 years of tax returns directly from the IRS. They still declined my modification request
Product: Credit reporting or other personal consumer reports

My initial awareness of unauthorized inquiries on my credit report became known to me as I ran across a headline on my XXXX news feed where another data breach had occured. Taking that event into consideration, I went about checking on my credit to see if there was any errors that was unbeknowst to me during that time. Upon doing so, I had noticed there were several inquiries that I had no knowledge of nor had given each of those financial institutions any permission to pull my credit at any point in my life so far. With this information in hand, I sent out a letter by certified mail to Transunion on XX/XX/year> in which I stated that there were erroneous inquiries on my credit report that did not have permissable permission from me to exist on my credit report. Additionally, I requested that those listed inquiries be investigated and removed due to them being unauthorized by me. ( please see attached letter that was sent ). I patiently waited 30 days per FCRA rules for a response and never received one. In the month of XXXX, I checked my credit report then to see if during the updating of my credit report phase had occured, had there been any changes/removals of the unauthorized inquiries to which I discovered there nothing had been removed but instead, I discovered a new hard inquiry that was listed/titled as " XXXX ''. I give the Transunion even more time during the whole month of XXXX and nothing changed about what was negatively being reported against me. On XX/XX/year>, close to 75 days later, I sent Transunion a letter by certified mail of their failure to execute their responsibilities of adherence to consumer law and FCRA policy to which their governed and demanded the inquiries be removed. Nevertheless, I also informed Transunion that they were created a civil liability situation per violation that they were carrying out. Again no response had been given to me regarding this.
Product: Credit card or prepaid card

OMG discovercard just copy paste the same exact false statements again & again after openly ignored my over 15 questions from case XXXX Lie 1, Not true that you couldnt contact me before XX/XX/XXXX. 

Lie 2, Fraud happened in XXXX reported around beginning of XXXX you only allowed less than 30 days investigation before your unilaterally paying & closing the ID theft case in XXXX, however i still managed to return your call from XXXX, and XXXX was the only rep who has tried calling me before XXXX. 

Our convo was to confirm that XXXX XXXX submitted ACTUALLY my LOST & STOLEN EXPIRED DRIVER LICENSE. Pls be mindful that i have faxed you my current valid driver license in XXXX later just to show you its a different ID., so you cant fraudulently use my faxed copy for the XXXX XXXX id theft submission although you have been hiding from me. 

Lie 3, You have never showed anything provided by XXXX XXXX, when you say XXXX gave you a valid copy of my id which is an obvious fraud contradicting from what i have confirmed with your agent XXXX before XX/XX/XXXX. 

Lie 4, when i have informed you by email inbox messages & by phone that i need over two months time abroad to handle parents death and you agreed to give me ample enough time for the investigation, yet you close the fraud investigation WITHIN LESS THAN 30 days after my phone convo with XXXX, NOT XXXX the actual investigator on your file. 

Lie 5, your so called invalid report was 1 of the two permanent reports, i gave you once the temporary # while abroad but later updated you with permanent report #. You cant be irreasonable and ignored all the valid legal reports and facts given. 

All these 11 months discovercard has put my credit through indescribable miseries took a lot of tolls on top of my households financial hardship. 

Per the two lost & stolen and ID theft police reports outlined, I demand government institutes like CFPB to do a legal audit on this discovercard fraud handling, to clear out all the lies above and much more discrepancies that have been mentioned in my previous case. 

PLS CONTINUE TO USE PREVIOUS ATTACHMENTS, COULD PROVIDE MORE UPON REQUESTED.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXXXXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year> & XXXX Inquiry Date XX/XX/year>