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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) where there must be appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( 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. 

That you the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX, the XXXX XXXX XXXX XXXX located at XXXX. XXXX XXXX, XXXX, IL XXXX, and XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX block information appearing on my consumer credit report that is the result of identity Theft and Fraud ; as well as the XXXX XXXX  Data Breach that took place in XXXX and my XXXX data breach information In XXXX from an employee illegally accessing corporate records and customer financials information. I want this information removed within 4 business days within you receiving this complaint. 

This Fraudulent, inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX ending in XXXX opened XX/XX/XXXX ; an online banking account ending in XXXX opened XX/XX/XXXX at XXXX XXXX and another personal credit card at XXXX XXXX XXXX  account ending in XXXX opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquires as well as difficult times accessing my own credit opportunities due to fraudulent collections appearing on my consumer XXXX  credit report I have attached the credit report and the fraudulent accounts opened and closed however when I went to screen shot the report I was greeted with a message from the company which I also included not sure whats going on with that. 

I do not recognize the aforementioned accounts, collections and/or hard inquires associated with said accounts and as reported. Therefore I would appreciate the hard inquiry as well as the aforementioned accounts to be removed. 
Therefore aforementioned accounts, collections and hard inquires appearing on my consumer report were maintained by you were not opened, made, and/or initiated by me. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud ; company fraud.
Product: Credit card or prepaid card

I applied and was approved for the Chase Marriott Bonvoy Boundless card from Chase. I used a link which advertised 1. {$200.00} statement credit after first purchase within 3 months of account opening, 2. Two free night awards valued at up to XXXX points each after you spend {$3000.00} in purchases in your first 3 months of account opening 3.  Annual fee of {$95.00} waived for first year. 

I instead received a {$250.00} statement credit and only 1 free night award valued at up to XXXX points. 

The award statement on my account documents Premier Plus Two Free Nights, each certificate good for 1 free night   up to XXXX points. There was only 1 certificate though. 

I contacted Chase several times to resolve the discrepancy. I asked them to change the statement credit from {$250.00} to only {$200.00} and to provide the 2nd reward certificate. I was not able to get any resolution, even with an escalation to a supervisor. The supervisor told me that the reward that I signed up for was a {$250.00} statement credit and 1 free night certificate. 

I do not agree with this. I carefully read the details on the Chase page before applying. In addition, the language in the certificate on my Marriott account documents 2 Free Award Nights. I have attached a picture of this.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I submitted a PPP loan application through a lender called XXXX XXXX XXXX https : XXXX XXXX, whose information I found via a XXXX ad. My loan was approved by the SBA on XX/XX/XXXX, and assigned an SBA loan number. On XX/XX/XXXX, I was sent the SBA loan paperwork, which I signed and submitted electronically as instructed, and was told that the next step would be the funds being disbursed into my bank account within 7-10 days.

When several weeks went by without mine receiving the funds, I tried contacting the lender, XXXX XXXX, but their email address was not working, and there was no number to call. I submitted a customer service request and did not hear from them for weeks. 

Nearly a month later, on XX/XX/XXXX, I received an automated email stating that there was " an error with your application ''. The email stated that my identity could not be verified -- this is completely bogus, as my loan would never have been approved by the SBA had they had any issue at all verifying my identity. And, secondly, the current loan is my second PPP loan ( the first one having been received through a different lender in XX/XX/XXXX XXXX -- so clearly SBA already has my information in their system and had already verified my identity and funded an initial loan over a year ago.

I suspect this company to be committing fraud, scamming the applicants and delaying the payout ( or, possibly forgoing it altogether ) -- misappropriating the federal government 's disaster relief funds that are supposed to be promptly delivered into the hands of needy individuals who are suffering financial injury from the pandemic.

FYI : I logged in to the SBA 's financial portal ( CAFS ) and I clearly see my approved loan, the assigned loan number and correct loan amount, and the status shown in the system shows that the loan was " disbursed. '' Disbursed to the lender by the SBA / federal government, but not to me -- I still have not received the funds, two months after being approved. 

When XXXX XXXX sent the fishy identity verification request, I reported them to the SBA Office of Inspector General, however I still have not received a response.

Because I urgently need the funds ( if I did not, I would not have applied for a disaster loan!!! ) and after continued silence from the SBA, with a great deal of hesitation, I resent the scan of my ID, which I had already sent weeks prior with my original application and was hoping to receive a payment shortly. I received another automated email from XXXX XXXX, stating that my funds were guaranteed and were being processed. 

Several weeks again went by, and today XXXX XX/XX/XXXX, XXXX I received ANOTHER automated email from XXXX XXXX stating that there was an issue with my bank XXXX not true! ) as well as my financial documents ( also not true ; MY LOAN WAS APPROVED BY THE SBA TWO MONTHS AGO ALREADY! ) Again, it is clear that this company is scamming people.

I would appreciate your urgent intervention with this issue. This company is completely fraudulent and they are hurting hundreds of other individual and small business who urgently need support!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  {$1700.00} XX/XX/2021 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
Product: Debt collection

On XX/XX/2018 at XXXX, I received a call from suntrust mortgage company in regards to a bill due on the XXXX of the month. The last day to pay is on the XXXX ; in which I pay always pay on the XXXX of the month. Nevertheless, the call was unwarranted and not appreciated. I request to suntrust for them to stop but to no avail, it's still happening.
Product: Debt collection

I was an XXXX in the care and custody of the XXXX County XXXX XXXX. Transported to hospital XXXX City Police Dept. to XXXX XXXX. Refused treatment at said hospital for XXXX XXXX wound. Was informed I had no choice. Did not give consent to treatment not release of records. Had no knowledge nor seen documents attached. Did not sign promissory note nor was I informed or give a copy of said documents by XXXX XXXX. My only knowledge of this debt was when it was reported XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days and creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and must delete my late payment on my credit report. 

Under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. 

I sent a letters to the credit buraus so that they can validate this account on XX/XX/2023. I still haven't heard back.
Product: Debt collection

This is my second attempt at requesting the company to validate the debt in question. It has been more than 30 days and the company has failed to respond to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit file with XXXX they have wrong personal information the social security number does not belong to me as well as several accounts that dose not belong to me Im asking that you all look into this matter ..my information was always involved in a data breach
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My name is XXXX XXXX and my issue is with Santander Consumer USA in approving a loan I never applied for through XXXX  XXXX. It all started when XXXX XXXX ask me to stand guarantor for 4 months as instructed by XXXX XXXX to secure a vehicle he wanted to purchase. I don't have a drivers license, I don't have a stable job, I don't have a vehicle or any asset so how was I able to acquire this loan. It was all lies perpetrated by XXXX XXXX salesman and finance manager in order to get a check. I accompany XXXX XXXX on the XXXX XXXX to XXXX XXXX just to sign as Guarantor for 4 months and was told that my name will be nowhere on the title or registration, the place was very busy and I couldnt wait so XXXX the saleman brought me some documents which was highlighted to sign with no information on it, I signed along with XXXX XXXX the documents because XXXX seems very sincere and know what he was doing but now I know different, he was very deceptive. That was the end of my involvement in this transaction. To my surprise, XXXX XXXX called me frantic one day in XX/XX/XXXX to tell me that he hasn't received and documents from XXXX XXXX and when he called santander bank his name is nowhere in their system. we try calling XXXX the saleman and he never answer. So we called Santander Consumer USA and when put in my information at the prompt and the vehicle loan came up in my name. we spoke several time to different managers at Santander that this was a mistake and the vehicle does not belong to me and that I cant afford the loan but they said there is nothing we can do, we need to reach out to XXXX XXXX in which we did but they were rude and obnoxious and refuse to see us and settle the issue because they knew what they did and they already got paid. All I want is for my name to come off this transaction because that's not what I signed for. XXXX XXXX is the sole owner of this vehicle, he was the one that initiate this transaction, collect the vehicle, its in his possession and he has the resources to pay for the loan. I dont want this to affect my credit in anyway so please help me to resolve this matter as soon as possible. thank you
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed XXXX XXXX XXXX XXXX {$5700.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$4800.00}, Opened XXXX Dept of XXXX Bal- {$4600.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXX Dept of EXXXX Bal- {$4000.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$3800.00}, Opened XXXX Dept of XXXX Bal- {$3200.00}, Opened XXXX1 Dept of XXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2500.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$2300.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2000.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$1500.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$640.00}, Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX file an on-line application for a Macy 's XXXX XXXX XXXX, and a Macy 's Credit Card the application was unable to be approve, and was denied for the following reasons : Total credit obligations when compared to the annual income you provided this is not the case Mr. XXXX income is about {$50000.00} Mr. XXXX believe the on-line information is incorrect Mr. XXXX has open several other accounts with other Card Company 's and has no problem at all XXXX XXXX income is substantial for this type of Credit Card, No other Credit Card Company has stated this to a concern for Credit this information was not reported by any consumer credit reporting agency, Mr. XXXX earnings are not a part of these agency, its put on your application Mr. XXXX believe this denied application is base on Mr. XXXX age, race, the fact that Mr. XXXX already has Two Credit Cards with XXXX XXXX, who is a federally registered service mark and a part of Macy 's stores
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 & XX/XX/2023 I sent correspondence to Experian in regards to myself being a XXXX XXXXXXXX XXXX this reporter agency had four days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that the company, Experian, are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family, they are clearly in violation of federal law, and as federally protected, consumer, I demand the action to be taken and corrections to be made this is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interest. Please assist me in obtaining believe I shall. I shall be reaching out to federal authorities and plan to request a full Audit against the company for being accomplices to my pain and suffering, as I attempt to move forward with my life.
Product: Credit reporting or other personal consumer reports

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 XXXX, {$370.00} Account Name : XXXX XXXX, # XXXX, XXXX XXXX, {$270.00} Account Name : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX, # XXXX, XXXX XXXX, {$620.00} I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under the paragraph ( 1 ) of any information disputed by a consume, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete the item or information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

Datamax corporation reported a medical debt to credit agencies before 180 days. They reported it after I had set up a payment plan with them. The account was placed with datamax on XX/XX/XXXX. I set up a payment plan on XX/XX/XXXX and the debt was reported to XXXX on XX/XX/XXXX. A representative said that it could only be removed if paid in full.
Product: Debt collection

I was reviewing my consumer reports for accuracy and recognized multiple errors. I am due for compensation in accordance with 15 USC 1692k. I closed my account around XX/XX/XXXX due to learning that Self Financial and XXXXXXXX XXXX  deprived me of my consumer rights.The purpose and importance of the TILA is to protect consumers against inaccurate and unfair billing and credit card practices.I am writing because I made an uninformed decision when I payed {$200.00} to open a credit card. At the time I did not know credit is a right given to me by GOD. 15 USC 1605 clearly states that the finance charge is the sum of all charges and not include cash. Self violated the Truth In Lending Act by imposing I exchange my time to build credit that was alreadya right given to me.My XXXXXXXX shows an open date of XX/XX/XXXX but my XXXX report shows XX/XX/XXXX. My XXXX account status shows as charged off, but my XXXX report shows my account status as paid. Both reports contain multiple errors including late payments. If the information were accurate all information on any report would be an exact match. It is not. Self or XXXX also failed respect my privacy and breached their fiduciary duty by not providing an explanation as to how to opt out of reporting. This is not acting in my best interest or in good faith. 
In addition to that, Self Financial continues to harassme via email every month. Self continues to attempt to collect debts not owed. Self continues to report false information to my consumer report causing my reputation, credit report, and credit score to be damaged in more ways than one. The account has been closed since XX/XX/XXXX. Why is Self demanding I pay late payments for every month of XXXX? As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Self Financial is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K
Product: Credit reporting or other personal consumer reports

I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. 
I reached out to XXXX XXXX. They refuse to provide me proof that this account was opened by me. No supporting documents, application, nothing other than a standard " we believe this is your account '' see email. That is NOT proof of this account being mine. under FCRA they HAVE to provide proof of debt. Just saying " here is a statement and it's yours '' is not valid under the law. They then attempted to sell this to an outside collection agency. Also against the law. And once again I am getting the run around and victimized by the credit bureau and the creditor repeatedly.
Product: Debt collection

For several months I've tried to reach out to the 3 credit reporting agencies, Transunion, XXXX and XXXX. I also reached out to the creditors to try to resolve this issue through writing and calling and none have responded. 

XXXX account number XXXX opened XX/XX/XXXX reporting weekly on my credit reports as Collection/Charge off but the balance is {$0.00} says in comments on my reports Purchased by another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX. 
dates last active are reporting 3 different dates on XXXX XX/XX/XXXX, Transunion XX/XX/XXXX, and XXXX XX/XX/XXXX. Please remove this account off my credit reports, it's damaging my credit profiles. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX opened and reporting 2 different days Transunion XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Reporting as a collection. last active XX/XX/XXXX. Please remove from my credit profile, this is not my account. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) account number XXXX opened XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Also reporting as collection. Please remove this account from my credit profiles this isn't mine at all and this company XXXX isn't even in business anymore, so I have no idea how or why a business that's no longer in business can send false information to credit reporting agencies without being in business monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus Transunion today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.