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

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1. ) company name : XXXX account numbers : XXXX date open : XX/XX/XXXX amount {$220.00} XXXX. ) company name : XXXX XXXX XXXX account number : XXXX Date open : XX/XX/XXXX XXXX. ) Company Name : XXXX XXXX XXXX  Account XXXX Date XXXX amount : XXXX XXXX. ) Company Name : XXXX XXXX Account number : XXXX Date Open : XX/XX/XXXX amount : {$30000.00} credit Inquiries : XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I pay my TARGET RED CARD on the due date every month. Never late. XXXX XXXX I was charged a late fee. I made the payment on XXXX/XXXX/XXXX, my due date is the XXXX of each month. I was charged for paying on time, this is the 3rd time. After I made the online payment on XXXX I called to confirm they would not slick me and charge a late fee, the customer service rep, told me not to worry, we wont charge you. They keep phone records and time stamp payments.
Product: Vehicle loan or lease

On XX/XX/XXXX i resquested a new vehicle loan thru USAA federal financial bank. The loan was aproved and i began serching for a vehicle. I got a deal for a XXXX  XXXX XXXX  thru a local dealer at XXXX XXXX XXXX XXXX and they send the documentation to USAA requesting the amount of XXXX for the above mention vehicle. USAA after several days without hearing from USAA i call them to inquire on the vehicle purchase and was told by them that they could not fund the vehicle even thought i have been approve for the amount because the paperwork sent by the dealer was in XXXX. The dealer also contacted USAA and were told the same thing. I proceeded to contact USAA and told the that since my dealer could not provide the require paperwork in XXXX i needed to cancel the loan. At that momente the person that anwer the call told me that i did not need to cancel the loan because the the 14 day period ofter requested was almost up and the loand would cancel itself at the endo of the period. I went ahead and funded the vehicle thu a local bank here in XXXX XXXX. In the begining of XXXX while reviewing my accounts i noticed that USAA funded the vehicle they told me that was not posible to fund due to paperwork. I contact the bank to inquiere of the situation and was told by then that in fact somebody made a mistake and funded the vehicle. They asked me to contact the dealer to return the money they send them with the interest accrued to the date. I have contact the dealer several times but the refused to pay the interes accrued as they were told that the vehicle could not be funded with the sent paperwork. On XX/XX/XXXX dealer sent a check for the exact ammount they were sent by USAA bank. I again contacted the bank on XX/XX/XXXX to verified they had received the check ( even thou i coukd see that the certified ups tracking shown that the check was receive ). And was told by then that i needed to wait a week to verified the check status. I waited a week and again contact USAA at that moement i was informed that the check was receive but since the dealer made a mistake writting the bank name it was not going to be cashed and they were going to send it back. I waited a week and contacted the dealer to inquiere on the sent check. I was told by the dealer that they havent receive the incorrect check and they needed in order to reissue another one. USAA had been contacting me asking for payment and threatebing to damage my credit score which until thsi situation had been in exelent standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove the negative information you reported in my file. 
XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Student loan

I called on XX/XX/XXXX and requested a refund for all payments made in 2021, allowed under the CARES act. The total was around {$9000.00}. I was told this would take XXXX days to show on the FedLoan website but could take another XXXX days after that for the treasury to issue the payment and that part was out of their control. I agreed to these terms. I have since called back on XXXX to confirm it was submitted at all and they confirmed my request was received on the XXXX and it would be any day, but soon. I called back on the XXXX of XXXXXXXX XXXX  days after the original request and was told it could be XXXX days or possibly XXXX  months before my request is sent to the treasury and they were unable to confirm where this was in the process as there are no notes and they don't even know how the process works. I have been given 3 different time lines and each time the eta changes vastly. I asked if there was anything that can be done to speed up this process and they said no. I have been lied to and no effort has been made to rectify the situation.
Product: Money transfer, virtual currency, or money service

Hello, Complaint against JPMorgan Chase bank, address XXXX XXXX XXXX, North Carolina XXXX, XXXX XXXX XXXX, doubt for helping scammers collect money and money laundering. 
One of my clients was scammed into paying to a scammer 's account in JP Morgan chase bankon date XXXX XXXX, and on date XXXX XXXX payment arrived on the fraud bank account, JP Morgan chase bank allow Open an account without formal company authorization, doubt without verifying the authenticity of the account company, then cause our customer lose USD XXXX. 

Just hope can help us to help our customer compensation for customer losses.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXXXXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  acct # XXXX Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX XXXX XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX the XXXX  XXXX requested the title from Toyota Motor Credit so I could title and register my car after moving from XXXX. I have called Toyota several times to check on the status of the title being sent. I have gotten different answers each time I call. Some include that it was mailed on XX/XX/XXXX or a different date, that it would be mailed in 8 to 11 weeks from the date it was requested from the title department in XXXX  ( XX/XX/XXXX ), most recently the only response is that " it is being processed ''. Indiana only allows two 30-day temporary registrations. After XX/XX/XXXX, I will need to drive with an expired registration due to Toyota REFUSING to forward the title to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my Transunion report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXXt lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..
Product: Mortgage

I tried getting a personal loan with my credit union. When they pulled my credit report it showed that my home is XXXX foreclosure through Bank of America. It is not, all my payments are current. I called Bank of America the representative told me it was a mistake on their part and they would send notice to the credit bureaus. A few days later I received a notice from Bank of America saying their information was accurate. Again it is not. My payments are current. IF you could assist it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has the count as 120 days late on XXXX, XXXX  but it's showing as 150 days late on Experian. Also on both XXXX and Experian the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XXXX XXXX or XXXX as stated, this is simply a false statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX inaccurate DEPT OF ED/XXXX  XXXX inaccurate XXXX  XXXX inaccurate US DEPT OF ED/XXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF EDXXXX XXXX inaccurate US DEPT OF ED/XXXX XXXX inaccurate
Product: Vehicle loan or lease

On XX/XX/XXXX Hyundai motor credit repossessed my car I had called them numerous times they had told me every time on the phone that my loan was closed and paid and I did not have a loan with Hyundai motor credit it was reported on all three of my credit reports that my loan was paid and closed try to call them about 20 times to find out how much I owe them and how to get my car back every time I call them they put me on hold and then hung up on me I never did get my personal possessions back cuz no one could tell me where my car was or how much I owed on it I got a letter saying they repossessed my car but would not give me how much I owe or when it would be sold and how much to get it back. Then I got a letter saying I owe them {$16000.00} and after they would sell my car I would owe them {$9000.00} and something it is no way I owe them {$16000.00} I've had my loan since XXXX and it was a XXXX XXXX I bought this car was illegally repossessedI am also writing the Federal trade commission and the attorney general of Floridawith copies of my credit report showing that closed my account in XX/XX/XXXX saying paid in full current I have enclosed a copy of my XX/XX/XXXX credit report showing that this account was closed and current and paid can provide copies of the other showing the same thing if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX  report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX On my XXXX  report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my XXXX  report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With Experian I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously written XXXX letters to Experian and XXXX requesting that they update their records and update my new address, XXXX XXXX XXXX XXXX, XXXX, North Carolina, XXXX. I just wanted one address, one employer, and one phone number listed on my credit report, but these credit bureaus have yet to update my personal information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification ( MOV ) for specific items on my credit report, as authorized by 15 U.S.C. 1681i ( 7 ) under the Fair Credit Reporting Act ( FCRA ).

In my prior ( 8 ) disputes, I challenged the accuracy of the following accounts on my credit report : 1. The DLA reported on my credit file is incorrect and this inaccuracy is detrimental to my XXXX XXXX By misreporting the DLA, you are effectively re-aging the account which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 
XXXX XXXX XXXX  Account Number : XXXX I demand the immediate deletion of this account from my credit file due to re-aging of the account, which is prohibited under FCRA. 

XXXX. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXXXXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

3. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX XXXX Account Number : XXXX Remove this account due to non-compliance XXXX. This is a duplicate account reporting the same account number and different balance. FCRA violation. 
XXXX XXXX XXXX  Account Number : XXXX Remove this account due to non-compliance with the FCRA 5. The DLA reported on my credit file is incorrect and this inaccuracy is detrimental to my credit score. By misreporting the DLA, you are effectively re-aging the account which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 
XXXX Account Number : XXXX I demand the immediate deletion of this account from my credit file due to re-aging of the account, which is prohibited under FCRA.
Product: Checking or savings account

I opend an account with truist bank and they freezed my account its been 3 months and they wont return my deposits nor tell me anything
Product: Checking or savings account

I initiated a XXXX transaction to my other account at XXXXXXXX XXXX XXXXXXXX for the amount of {$500.00} on XX/XX/year> and was then prompted that it couldnt go through and was later locked out of online banking with Citi Bank. I called their Toll-Free line and was told that they cant verify me because I didnt have the account number because the account was established approximately 4 days ago but I had emails with the last 4 of the numbers. Still couldnt verify my identity even though security questions provided were correct as well as social. I then was provided a number to their fraud department. I contacted them and was told that the account was unlocked and was locked because the Token ID for the recipient ( me ) was invalid and she had lifted the unlock and online banking was restored. After XXXX minutes ( at approx XXXXXXXX XXXX ) I attempted to access the web interface and was prompted with You Information doesnt match our records I call again and was told that the account is under review. I tell the representative that I had called earlier and was told that the account was unlocked but then he just kept telling me that the account was locked and under review and I will receive a reply within XXXX hours with no efforts to expedite. I ask for a manager and a manager expedited the request ; however, I asked to speak to her higher up. After speaking with her higher up, he informed me that the account investigation would be completed TODAY and have not received anything ( XX/XX/year> ). Voice recordings are available if needed as part of cfpbs investigation
Product: Credit reporting or other personal consumer reports

Had a hard inquiry to Transunion credit report on XX/XX/XXXX. XXXX XXXX XXXX. Called on XX/XX/XXXX, spoke with XXXX and explained I did not request or authorize a card or credit check. XXXX stated the looks like identity theft and would block the account and report it. Also he would have the inquiry removed from Transunion.