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

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at Bonneville collections  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Re : Account # XXXX To Whom It May Concern : Please provide me with the original installment sales contract, along with any notices that were sent to me in regard to this vehicle in accordance with Alabama state law. Furthermore, I ask you send me the payment ledger for all payments made for this vehicle, including any downpayments. Please also send how you calculated what you claim I owe. 
Also, I would like to point out that you are reporting inaccurate information to the credit bureaus. I would like to give you a chance to correct the information, or please delete the adverse and incorrect information that is being reported to the credit bureaus by you, Capital One. 
I would also like to add that I was a servicemember at the time of my purchase of this vehicle, please udate your records accordingly persuant to SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1. I will provide records and proof upon request. 
Thank you for your assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

Complaint # XXXX Spoke with Big Picture Loans at Length with XXXX the manager she scheduled the date of XX/XX/XXXX that my acct was to be credited $ XXXX+XXXX for overdraft fees. Called XXXX to see why funds where not credited to my acct and she told me she was sorry that the acct was closed out and that I had to call her back to schedule another date to credit the acct. On XX/XX/XXXX I called to schedule a date and she told me that my acct was being reviewed by the law dept since I filed a complaint with the consumer financial protection bureau and there is no date to credit the acct. She stated that they would contact me she She had no more info and still couldnt credit acct until the investigation is over. I cant believe that these people are still stalling I never gave consent for my acct to be debited after it was paid off.
Product: Mortgage

Amerisave Mortgage Loan Originator XXXX XXXX contacted me XXXX or early XX/XX/year>, completed a XXXX XXXX Application, collected closing documents the same day, I requested a copy of the signed documents and was denied.

During my loan process two ore more loan processors required me to submit the same documentation multiple times over a four month period from XXXX 2022. 

It is my belief the XXXX XXXX application and closing documents may have been utilized to facilitate a loan on the property without my consent before I closed on the actual XXXX XXXX in XX/XX/year>. In XX/XX/year> I asked him for the original loan/closing documents that were executed during our initial contact. He denied me a copy of the loan application and closing documents. As I have had a host of unusual things happening with this account I have a right to know if my identity was stolen, if a loan executed on the property prior to my own closing that occurred on XXXX. 

The original XXXX  XXXX documents were submitted to XXXX XXXX on a document delivery platform that was not the Amerisave ( XXXX  ) website portal. During the closing process he began contacting me from a XXXX voice number.
Product: Student loan

XXXX  mislead me about income-driven repayment plans and I was wrongly steered into forbearance.
Product: Debt collection

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, TD Bank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.
Product: Mortgage

USA bank mortgage told me I was on auto pay and I was all set for the month after the representative on a recorded line never told me it would take a billing cycle to be set on auto pay the representative actual told me I would be all set for next month then I get a flag on my credit report for a missed payment and I never had a miss payment before that show my credibility please help me remove this from my credit!
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report, and I do not recall giving consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without my authorization is a violation of my rights, and I request that it be removed immediately. 
Please investigate this matter and provide confirmation of the removal of the inquiry from my credit report. If you need any further documentation or information to contact me. 

Please see attachments for additional details
Product: Debt collection

Cavalry Portfolio Services has been reporting a collection debt to both XXXX   and XXXX since XX/XX/XXXX. This is supposedly for a XXXX XXXX credit card account that was included in a bankruptcy I filed back in XXXX making the debt no longer owed. I contacted Calvary Portfolio Services on XX/XX/XXXX and was told they could not release any information to me about the account. I called again on XX/XX/XXXX and was told the same thing. They are violating my rights under the FCRA and refusing to supply me with any information validating their claim or proving this debt is valid. Their reporting is harming me financially and after repeated attempts to resolve with them I have gotten no where. I have new current credit lines with XXXX XXXX and this makes no sense at all.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS SOLD & BROUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF XXXX XXXX XXXX. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY! I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO RESOLVE THESE MATTERS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. (ACCOUNT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXX, DATE OPENED XXXX), (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), (ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-INQUIRY XXXX), (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-INQUIRY XXXX), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- INQUIRY XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX9-INQUIRY XXXX & XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-ACCOUNT  # XXXX-DATE REPORTED-XXXXDATE OPENED XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called IC System, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score.

I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted IC System to investigate. However, they have been unable to provide me with sufficient information to validate the debt. 

According to XXXX XXXX, the fraudulent charge first appeared on XXXX and is supposedly collections for a direct tv account. I have never had XXXX XXXX and, during the time period in question ( since 2018 ), I have been living in a relative 's home and would not and could not have signed an agreement for XXXX XXXX. This is fraudulent and IC System knows it. 

I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. 

I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. 

As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXXXXXX  XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX -or- XXXX  Fraud Victim  Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : DISCOVER BANK XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The first time the incident occurred I contacted the company, XXXX XXXX 's credit protection company via email at XXXX for assistance with my Account XXXX XXXX XXXX. As I'd signed up for the insurance protection on my account and had used the benefits previously, the most recent time of need I was denied. The company stated that I did not qualify to use the benefits once I was laid off from my job due to the fact that I worked for a temporary agency. I called and spoke with someone via phone and asked for clarification of my denial because I've worked for the temp agency for over 2 years and also when I signed up for the credit card, plus enrolled in the protection plan at the time my card was approved and opened, I was working for a temporary agency and it wasn't a problem then. I was making my payments on time and now that I needed to use the protection plan I was being denied. Upon searching for more information I found an old benefit request which was granted approved back in XX/XX/2016, I was working for a different temp agency, so why now am I being denied? If you can't work for a temp agency and utilize the benefits you're paying for that should be disclosed before offering and accepting monthly payments or enrollment for this service. If that was the case, then why did they approve my application for benefit usage during another time as a temp agency worker? The problem is that XXXX is reporting negative information to the 3 bureaus for the 2 accounts I'd had with them and they closed ( XXXX XXXX & XXXX XXXX & XXXX credit cards ). I've disputed both accounts and I've sent in written  explanation via USPS to all 3 bureaus yet they all came back as verified and updated within 1 week. How can an investigation be done that fast and proven ( as they say ) that my account was verified? Not fair and I am unsuccessful as trying to get this problem resolved, please help.
Product: Debt collection

On or about XX/XX/year> XXXX XXXX XXXX, who I NEVER did any business with, demanded money over a FAKE loan from World Finance. In point of fact I filed and FBI report showing WFC as a FAKE account. XXXX XXXX XXXX  says that is NOT good enough. They are XXXX, loan sharks, whatever term you want. They are ruthless in trying to collect a debt that is NOT mine.
Product: Checking or savings account

Capital One 360 frequently removes my phone number for 2-Factor Authentication disallowing online access. Their policy is to only use phone numbers with name-associated billing accounts as a security measure. 

Customer service representatives are unable to update the number, thus leaving me locked out of my account. Since this is an online only account, this disallows actions while still retaining the account balance.
Product: Credit reporting

Experian has been asked to remove a total of XXXX collection accounts that can not be verified by them per section 609 of the FCRA. These are medical bills that are violating HIPAA. The company that is reporting these accounts are XXXX and I have reached out to them by phone and they do not have physical proof that links these accounts to me. They can not produce physical documentation but yet Experian his saying they have investigated and the reporting meets the requirements under the FCRA. This is incorrect. Experian 's feeble attempt to continue to report this information against me is against the law and they need to be fined or sanctioned for such behavior. I have written them and sent letters to them via certified mail. They drag their feet and say they need more ID information even though I sent them a notarized copy of my DL and SS Card and then they continue to stall on what they are supposed to do. I am demanding that if they have physical proof on file showing their right to report the accounts from XXXX against me then send it to me. The documents need to show my signature, they can not send them because they do not have them. I am demanding that Experian REMOVE these items immediately and stop playing games. If a law is in place that protects me against frivolous postings on my report then why are they not following the law? They are making things very difficult because they will not provide proof of their right to report. They simply say the company verified. But when I call XXXX and ask for the original documentation they tell me they do not have it and do not need it. Really? Then how can you say that what you are reporting is accurate, complete and verifiable. I demand these items be removed IMMEDIATELY
Product: Student loan

American Education Services AES is the servicer for my lender XXXX XXXX XXXX 

I have requested a temporary deferment 3 times and each time no written response from the lender or servicer. 

I have had this loan since 2006 and never late. Although my account and credit report show a 1 time late about 10 years ago, this is not accurate because AES went from 60-day late reporting to 30 and failed to inform me! 

Also interest rates are at an all time low but my monthly payments have not gone down - they have gone up. AES said there is nothing they can do about it and I have to contact my lender directly BUT THERE IS NO PHONE NUMBER. I think a hedge fund is the lender, but there is no contact information AES can provide. However, I didn't need to contact my lender directly to raise my adjustable interest rate so why do I need to contact my lender directly to lower it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. 

My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a XXXX XXXX ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. 

I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders.

I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan.

*I tried to upload my XXXX XXXX XXXX XXXX  approved loan but since I purchased the car, I no longer have access to such document*