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

I WAS IN XXXX FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to JPMCB XX/XX/XXXX with no response, informing their company I did not authorize anyone of the company to review my credit report. I rereviewed my most recent credit report and there is still a Hard Inquiry that appears from XX/XX/XXXX. I did not apply for a credit card with this company, in fact on that date I was on vacation for my birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX  XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have sent several request to I.C. Systems requesting proof of this debt, via certified mail. I requested that they show proof of signature and contractual Obligation that I owe them. First letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX. The second letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX. To wit, I havent received any letter, showing proof of this debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted Chase bank regarding this matter immediately and averted an issue. However Chase Bank was reflected on my credit report via XXXX and XXXX as a hard inquiry. Chase stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to 90s to resolve.

Flash forward several months and no resolution, I called Chase back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at Chase provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from Chase stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called Chase and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.
Product: Debt collection

Multiple types of debt have been bought and sold multiple times through multiple agencies and reporting duplicates of this information on my credit report, damaging it to the point of no hope to fix it in the foreseeable future. The collection agencies involved are not licensed in my state through NMLS to conduct any business with regards to debt collection, lending, or other financial services. I was not given any debt validation prior to the collection accounts reporting to my credit and damaging it. I am not able to fix/access tools to help me gain financial ground due to these collections. The original creditors with whom I have proof of debt owed and have been in contact with are working with me due to my unemployment at the time of origination. I am being constantly harassed by phone calls that show up as local phone numbers and yet when I attempt to call back I get answers from normal people saying they never called. For reference here are the collection company information for all places that are reporting on my credit : Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am an IDENTITY THEFT victim. A family member, who is now deceased, used this credit card to pay off debt on other credit cards. He committed suicide in XX/XX/XXXX. I have sent detailed documentation to XXXX and their first collection agency, XXXX. XXXX ceased collection efforts, and now, even though I sent XXXX detailed documentation, including my report to the FTC, XXXX has hired another collection agency. This group says they have contacted me three or four times about this debt, beginning inXX/XX/XXXX, but I HAVE NEVER HEARD FROM THEM BEFORE THEIR LETTER OF XX/XX/XXXX. Why would they make such a bizarre claim? I do not know to what address they sent letters, but I did not get any from this group ; EVER until XX/XX/XXXX. I am XXXX, and my only income is SSD and a pension. I made a settlement offer to XXXX, which they ignored, and continue to come after me. I have had several XXXX XXXX XXXX, and XXXX relapses due to this harassment. I feel that I have no way out
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Incorrect information on credit report. There are open/used fraudulent accounts that were not authorized by me.
Product: Debt collection

Back in XX/XX/year> someone fraudulently open up an account and my name for the amount of {$1.00}, XXXX. I've tried contacting everyone in regards of this issue because it is not mine! And I wish to have these improper inquiries off my credit ASAP! I can not get a mortgage, because of something I did not do!
Product: Payday loan, title loan, or personal loan

The bank is putting a future date and time on receipts for loan payments. 

I went to the Fulton Bank drive through on Saturday, XX/XX/2020 at XXXX XXXX and gave the teller a check for {$230.00}. Of that, {$110.00} was for a XX/XX/2020 payment and the remainder was for an XX/XX/2020 payment. The teller provided a receipt with the incorrect date. The receipt was dated XX/XX/2020 at XXXX XXXX The paperwork they provide should be accurate. Otherwise, its fraud, having the effect of allowing the bank to collect additional interest from the borrower and giving the bank several hours on the morning of XX/XX/ before they consider the money as deposited so that if someone goes to the ATM Monday morning, the money would not be considered in the account yet. 

I told the teller the date was inaccurate. She responded by telling me it wouldnt be counted as late, but that did not address my concern of having an incorrect receipt from a bank. 

The radio button options on the consumerfinance.gov website do not always align to the specific situation, and I hope the agency will add a fraud or other option.
Product: Credit reporting or other personal consumer reports

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Vehicle loan or lease

Dear cfpb : On two occasions over a 6 month period I have called XXXX car loan processing dept to get a letter, or some other document showing there is no balance on a car loan. The State of CA, will not issue me clear title without this letter. I have attached that letter. 

XXXX said that " no loan exists for the VIN number '', I said that is fine, send me letter re that, and they said OK. 

It has now been 10 months and nothing ... .. I dont think a third call to them will be of any use, please help. 

the VIN # is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NavyFederal is reporting late payments on my account, and they did not ask my permission to do that, according to article 15 USC 1681b ( 2 ) it is considered ID theft per the law. 
I have contacted NavyFederal on several accounts about this, and they say that nothing can be done to help with this matter because it is an automated system.
Product: Student loan

On or about XX/XX/year> Lendkey called my sister, who co-signed on my student loan consolidation, and knowingly supplied false information. The person who spoke to my sister claimed that the loan was over 30 days delinquent, despite the fact that a payment had already been made. This was most likely done in an attempt to stir up division within my family and shame me into making a payment. The payment had been made on Tuesday, XX/XX/XXXX, and was withdrawn from my bank account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has been more than 52 days since I sent a letter to transunion ( the only agency to not respond ) to remove/opt me out of reporting certain information. I have reason to believe that this predatory company is continuing to report those accounts because they make money on it. If they do not remove the following accounts I will want to see the accounting records as I should be making money out of my information as well. The accounts goes as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional to opting me out of reporting those accounts pursuant to 15 U.S. Code 6802, they are reporting the following account incorrectly, XXXX XXXX XXXX. They are reporting it as a repossession while the other consumer reporting agencies are reporting as Paid/current. Transunion does not want to do their duty as a consumer reporting agency and its clear that this company needs to be shut down.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and found a person named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has been using my social security information or credit on the dark web!!! I want this to be investigated and I want this information to be removed Along with the things hes applied for using my information and I want him persecuted to THE FULL EXTENT OF THE LAW!!! 
He has stole my information for credit gain purposes and need the negative information with the companies and collections hes imposed on my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report. I have contacted Transunion and XXXX to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled, Transunion and XXXX advised me that I had to contact the XXXX XXXX to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy inXX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but XXXX  is still reporting me as being late on payments. XXXX XXXX has informed me that they have removed all negative reporting and the the error lies with XXXX XXXX XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit card or prepaid card

Paypal credit. Account number XXXX XXXX XXXX XXXX in the name of XXXX XXXX, the interest is {XXXX} dollars for the amount of {XXXX}, during the month of XX/XX/17. I consider that the increase is exaggeratedly high, for this reason my complaint. I need your help to get my money back. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my XXXX, Experian, and XXXX that are not open lines of credit - I request that the CRAs remove these inquires immediately.
Product: Checking or savings account

Chime closed my account had direct deposit of XXXX in the beginning of XXXX they closed account informed me they were keeping deposit kept in forming me to article 9 so I read this only think is account was inactive for 6 months was out of work but they accepted deposit
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX XXXX  Balance : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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. Please delete the items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX : XXXX XXXX : Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

Multiple fraudulent loans opened with my information upon being overseas with my significant other. Accounts opened from the hired caregiver for our children as we were away for some time. Payments were made up until our return and the caregiver no longer getting paid from us. Caregiver has since been found guilty and prosecuted for fraudulent acts. One loan remains as the rest were all handed rather quickly and removed from my credit reports. The company of Netcredit continues to be a large problem. After myself and significant other have spoken to numerous agents from Netcredit, being told every single time to await for a supervisor to contact, the supervisor never once has contacted either of us to discuss this matter and remove it from my information being used for a fraudulent loan. The individual who had done this is behind bars, yet I am still liable for our caregiver breaking laws. This is not acceptable by any means. This has absolutely wrecked havoc on my credit score, and continues to do so. I have sent all documentation to prove this has occurred, yet I am still receiving numerous notifications stating I must pay for this loan which is not even mine. This has been on going now for well over one year and quite frankly, we are unable to handle this anymore on our own as the other lenders were working along with us. Netcredit is not doing this and the lack of communication is horrendous.