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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

XXXX ( original Creditor : 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 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, TransUnion alerted me of a new hard inquiry from XXXX XXXX XXXX. 

I can 100 % confirm that was NOT me. I have a car and I have been working all day. 

This is clearly fraud and I need this removed ASAP!
Product: Credit card

My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from bank of america.
Product: Credit reporting

I was notified of the a XXXX rewards card opened in my name on XXXX XXXX, 2017, via a letter in the mail. I did not apply for this card, and was told to contact XXXX. I did on XXXX/XXXX/17 and received file # XXXX. 

Then I was notified a few days later of a car - purchased in my name in XXXX XXXX, CA. I am a Massachusetts resident. I placed a fraud alert on my credit on this day. ) XXXX/XXXX/17. Since then I was contacted by XXXX XXXX - a fraud investigator for XXXX XXXX. He told me that there are at least XXXX inquiries open on my credit since XXXX XXXX 2017. Including personal loans, and a XXXX card with {$3500.00} credit limit. 

I have requested a copy of my credit report - XXXX. Which should be mailed to me in the next 7-10 business days. 

I have opened a police report with the local authorities. 

Are there additional steps that I can take? 

Thank you.
Product: Money transfer, virtual currency, or money service

A FRIEND XXXX GOT HACKED, SCAMMER PRETEND TO MY THE PERSON AND TOLD TO INVEST A CERTAIN AMOUNT TO GET 3X THE AMOUNT. AFTER THEY TRIED TO " HELP '' ME, THEY BLOCKED ME, AND I FOUND OUT THE WALLET HAVE OVER XXXX XXXX  IN IT. THE SCAMMERS HAVE MORE THAN ONE IDENTITY. JUST LOOK UP ON XXXX " XXXX ''. MANY HAVE BEEN VICTIMIZE, AS MYSELF DUE TO HOW DESPERATE THE ECONOMY IS RIGHT NOW. PLEASE HELP.
Product: Debt collection

I am filing this complaint against an unknown debt collector who acquired my {$2900.00} consumer installment loan ( XXXX XXXX. XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), categorized as Other debt because its a personal installment loan, not a payday loan or other listed type. In XX/XX/year>, the collector contacted me by phone, claiming I owe a debt from the loan ( originally {$2900.00}, with a 167.7113 % APR, Total of Payments {$10000.00} ). Ive paid {$500.00} toward the loan, leaving a claimed balance of {$9800.00}.

The collector didnt send a written validation notice ( via letter, email, or text ) within five days of initial contact, as required by the FDCPA ( 15 USC 1692g ( a ) ). They also failed to identify themselves during the call ( e.g., company name ), violating 15 USC 1692e ( 11 ). Without their identity or a validation notice, I cant verify the debts legitimacy or dispute it properly. During the call, they threatened to sue me and block my bank accounts, which are illegal threats without a court judgment ( violating 15 USC 1692e ( 4 ) - ( 5 ) ) and suggest financial harm that could damage my credit. On [ insert date, e.g., XX/XX/year> ], I sent a written validation request and cease communication letter to XXXX XXXX XXXX XXXXXXXX ( who sold the debt ), asking them to forward it to the collector, as I dont have their identity. Ive received no response, and they continue collection efforts, further violating 15 USC 1692g ( b ). Im attaching [ call logs, screenshots, or notes from the call, if available ], the validation request letter, and certified mail receipt.

The underlying debt may be invalid, as the 167.7113 % APR violates NJ usury laws ( N.J. Stat. Ann. 31:1-1, 16 % cap ; 2C:21-19, 30 % criminal usury ), which Ive addressed in a separate CFPB complaint against XXXX XXXX XXXX XXXXXXXX under Personal Loan . The collectors actions are deceptive under the NJ Consumer Fraud Act ( N.J. Stat. Ann. 56:8-2 ).
Product: Debt collection

While I 'm at work XXXX of my co-workers have received calls from United Auto Creditors. The number is private when incoming. The name given was XXXX. He called XXXX in one day. He called on XXXX XXXX, 2015. He spoke to XXXX different co-workers. 
He requested personal information from them regarding me. My company does not allow personal calls unless an emergency. He stated to both co-workers that this was an emergency. United Auto Creditors have been told numerous times to not call my job and it has gotten worse. My boss has been notified of this by my co-workers since they stated the caller seemed strange and attempted to get personal information about me.
Product: Bank account or service

On XXXX my bank called me to report suspicious charges on my debit card. I verified the charges were fraudulent and my bank suggested I go to a local branch right away for a temporary replacement debit card. The bank in the meantime cancelled my debit card. At the branch, the banker told me both my checking and savings accounts were compromised and that I needed to close them and transfer the funds into new accounts. The banker transferred the funds into new checking and savings accounts, but left the original accounts open with zero balance for the sole purpose of charging me unnecessary maintenance fees. I was led to believe those accounts were closed. The bank then charged me maintenance fees on XXXX of those accounts. Additionally, sometime between XXXX and XXXX, the banker or someone at the branch opened up a new unauthorized savings account without my knowledge and left the balance zero. This new account was opened fraudulently and criminally for the sole purpose of charging me maintenance fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX, XXXX, Transunion, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.
Product: Mortgage

I 'd like to request assistance with a problem I 'm having with XXXX, an employee in the XXXX at NationStar Mortgage. A few weeks ago, I contacted my first lienholder, NationStar Mortgage, asking for a loan modification. I specifically asked for a reduction in the interest rate from XXXX % to XXXX %. I also told them I had excellent credit and that my payments are current, as they already knew. They started the loan modification process by asking for an application and multiple supporting documents, all of which I provided. NationStar notified me I had to resubmit the XXXX, which I resubmitted. NationStar had pre-filled in some of the data on the form and it was incorrect, so I had to correct it and resubmit it. Then, last week XXXX XXXX who was assigned as the point of contact for my loan modification called me and said I had to submit the IRS for XXXX for a third time, but she was n't sure why or what was wrong with it. An argument began after she told me loan modifications are only for people who are behind on their payments. In other words, what she was telling me was that I do n't meet the requirements for a loan modification, but she still wanted me to resubmit the IRS XXXX in order to go thru the motions of a loan modification application despite knowing it would be denied. A day or XXXX after this exchange, I logged into the NationStar Mortgage website, but was unable to access the message center where I intended to complain about this phone conversation with XXXX. I 'd previously sent messages, but after that conversation I suddenly could n't access the messaging function. I still ca n't access it today, XX/XX/XXXX. So, today XXXX, I called NationStar Customer Service at XXXX, but the phone system automatically routed me to XXXX voicemail, multiple times. I can not speak to a NationStar customer service representative because my phone number is being automatically re-routed to XXXX voicemail. I called back blocking my number, and it still went to XXXXs voicemail. I 'm not even calling XXXX number, I 'm calling the main NationStar customer service number. NationStar is servicing my mortgage, but I ca n't talk to customer service because my number is being automatically re-routed to XXXX voicemail. She also did n't respond to an email I replied to asking why she still needed that IRS form for the third time if I do n't even qualify for a loan modification. This is mind-boggling to me.
Product: Checking or savings account

I have not been receiving statements from Chase for my business account. I was told that mail was returned by the post office, and therefore the bank stopped sending me statements. I have called multiple times to let them know that the address on file is CORRECT and that statements should be sent as normal. However, this has not happened and I am still not receiving statements.
Product: Credit card

Closed another of my accounts. This company preys on individuals with little to no credit by offering a credit card and then deploying the same tactics over and over again to lower or close accounts. I have not missed a payment on ANY account in YEARS! Their system ID flawed. They take advantage of those in need just to throw them to the wolves when they feel like it. Using old irrelevant information as their reason to ruin someones credit health. This company should not be in business. And I will continue my mission to file a class action lawsuit for taking advantage of people with reckless abandonment. Their actions are utterly senseless. Their rating is 1 star for a reason. This corruption has to be stopped.
Product: Checking or savings account

On XX/XX/XXXX an unknown individual walked in to a Navy Federal Credit Union branch, claimed to be me, and was able to withdraw {$8000.00} from my savings account. Navy Federal themselves became aware that it was fraudulent that day and called me to alert me of the fraud. A police report was filed. I submitted documentation to Navy Federal ( Form NFCU 82 ) on XX/XX/XXXX and again on XX/XX/XXXX stating that it was not me who withdrew the funds. It was confirmed via phone on XX/XX/XXXX that NFCU had received the documentation via their app. The funds were not refunded to me. I have spend roughly 5+ hours on the phone with Navy Federal to have them refund the account, three times I have been on the phone for over an hour only to have them disconnect on me. There has been zero progress as far as refunding the money. On XX/XX/XXXX I received a notice from NFCU stating they had received my submission ( form XXXX ) of fraud and that I would have a response after 10 business days. It has been 10 business days and I have not received my funds or a response. I have no further option than to pursue legal action. It has been 49 days since my NFCU fraudulently gave my money away and they have yet to return the money or communicate a plan to return the money.
Product: Debt collection

XXXX, XXXX, & XXXX filed a lawsuit against me on XX/XX/XXXX. I got served on XX/XX/XXXX. I called them on XX/XX/XXXX at XXXX pm XXXX and talked to XXXX. She advised me that the call was being recorded and we continued. We worked out a settlement repayment plan for {$500.00} down on XX/XX/XXXX and {$150.00} per month for 13 months, due by the XXXX of the month. The XXXX month would be {$58.00}, for a total repayment of {$2500.00}. I asked her for a written contract to be sent to me so I could review it, sign it, and set up the initial payment. She said that they do not work that way and that a payment needs to be made BEFORE any contract would be sent out. She also said that I should trust them and that there is no need to respond to the lawsuit because they will handle everything. I set up the payment for {$500.00} to be taken on XX/XX/XXXX by giving bank account and routing numbers. She repeated the terms on the phone, but had mistakenly said the payment was for XX/XX/XXXX and went back and deleted a portion of the conversation. I do no not know what portion or how much was deleted. She then restated the terms with the correct XX/XX/XXXX date for the {$500.00} payment. The payment of {$500.00} was taken out of my account on XX/XX/XXXX as scheduled, HOWEVER, as of today, XX/XX/XXXX, I still have not seen a written contract. I have since answered the lawsuit with these very concerns because taking a payment before a written contract is reviewed and signed by the consumer is a violation of the FDCPA for deceptive, misleading, and predatory debt collection practices. I answered the lawsuit because had I not, they would have used the ethically ill-gotten bank account information to file for a default judgement against me even though a verbal agreement was made on a recorded line, AND a payment was made before a written contract was given for review and signature. I am demanding {$1000.00} in statutory damages per the FDCPA for deceptive, misleading, and predatory debt collection practices by not providing a written contract before demanding and accepting a payment, and saying that I should not answer the lawsuit. I am also demanding {$500.00} in actual damages per the FDCPA for demanding and accepting the payment on a debt without providing a written contract outlining the exact terms before accepting payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they have violated my rights numerous of times. I demand the inquiries below to be deleted/removed from my Equifax because according to 15 USC 1681 , I have the right to privacy and I did not give Equifax written or verbal permission to furnish information to these creditors. 

XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX DateXXXX XXXXXXXX, XXXX XXXX Collection Agency XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I do not know who this company is. I never done any business with this company ever. I do not not know how this company got my information. I sent this company multiple letters certified and they has not removed this fraud account from my credit reports. I demand this account to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit file that hasn't been removed after submitting police report. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$230.00} Open balance XXXX XXXX BANK XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$4800.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor Report info
Product: Debt collection

I became a XXXX customer in XXXX. My auto insurance policy was set to expire on XX/XX/XXXX. On XXXX, I contacted insurance agent XXXX XXXX to request an updated quote so that I could ( i ) modify certain coverage limits and ( ii ) compare the quote to competitors. She sent the updated quote and I declined/cancelled on that same day. On XXXX, I received an auto-pay email notice for my cancelled policy. I then turned off the auto-pay feature in my account and received online confirmation that the feature was inactive. I also notified XXXX XXXX via email and requested further assurance that I would not be charged for an auto policy that I had cancelled. I received no response. On XXXX, XXXX emailed me an auto insurance declaration despite my cancellation. I called her to have this issue resolved, but received no response. On XX/XX/XXXX, my credit card was charged {$910.00} for the cancelled policy. I emailed XXXX XXXX to get assistance with this erroneous charge and again, received no response. 

On XX/XX/XXXX, I filed a XXXX  complaint outlining the above issue. XXXX XXXX XXXX XXXX responded to the XXXX  complaint by acknowledging that I had cancelled my policy effective XX/XX/XXXX and providing a Policy Release, which was executed XX/XX/XXXX. Despite XXXX 's acknowledgment and signed release, it recently sent my information to a collection agency, Transworld Systems Inc., in an attempt to collect funds for the very same policy that it acknowledged had been timely cancelled. 

I have attached the signed Policy Release, my XXXX  complaint, and the collection letter I received concerning the alleged debt for a cancelled policy. 

I have been attempting to rectify this issue with XXXX for several months, but to no avail.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURATE INFORMATION REPORTING IN MY CONSUMER REPORT. 

REPORTING IN XXXX : XXXX. The following personal information is incorrect Known As : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX  XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


REPORTING IN EXPERIAN : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

REPORTING IN XXXX : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.
Product: Checking or savings account

On or around XXXX XXXX XXXX, after depositing my payroll check funds in my account, I paid some monthly bills directly. The next day I tried using my debit card and received error message. I called customer service and was informed the account had been closed based on issues with my payroll deposit. Because I am a XXXX XXXX XXXX I questioned why there would be a problem and rep with bank said their internal fraud team was investigating and account was not fully closed and to check back in 2 days. I did that and was told my account was still being reviewed and to make appointment for next day to go into branch and speak with bank teller or manager and have notes read on computer for possible resolution. After about 10 minutes the teller informed me nothing could be done because review was through fraud department internally and they couldn't access notes. I requested the balance in account and was told branch didn't have authorization to release balance but within 7-10 days I'd receive notification in mail explaining why account was closed and a check would be issued at that time for balance. I still have yet to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with Experian and XXXX. XXXX   removed it but Experian and XXXX refused to.
Product: Prepaid card

on XX/XX/year> a charger was made to my card for {$1000.00} I did not authorize that debit. I called Direct Express on XX/XX/XXXX, when I realized the unauthorized debit. When I made the call I was informed of other unauthorized charges. I was given a claim number and told to complete paperwork by XX/XX/year> that I would receive in 3-5 business days. It has been longer that 5 business days. I haven't received anything. I cant get anyone in the dispute department on the phone. I wait over an hour twice for someone to get on the line. I really need assistance. my claim number is XXXX. I also emailed XXXX. they have not responded