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

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Product: Credit card or prepaid card

Fraudulant charge on credit card-capital one. The charge was made on my XXXX account online with my capital one credit card. I believe it was a criminal employee. Someone ordered XXXX car stereos at {$500.00} apiece. Why on Earth would I order 5 car stereos? it was a fake order and fake delivery was set up and they claimed I ordered. I find it interesting that capital one and XXXX are both owned by XXXX bank. I disputed the charge but XXXX claims it was delivered and won't do anything about it. capital one is trying to force me to pay it. I refuse to pay for something I didn't order and never received. there was no delivery.I have a ring security camera I and never received. A fake XXXX tracking number was used.
Product: Debt collection

The company midland credit management has contacted me about a debt that does not belong to me after telling them multiple times they have the wrong person and not to contact me anynore they continue to call and when I answer they stay silent and then hang up. They keep harassing me.
Product: Debt collection

XXXX XXXX, a loan servicer for CommonBond has been sending me statements with billing errors pursuant to 15 USC 1666 ( b ). The most recent one was a statement from XX/XX/2021 stating I allegedly have a total amount due of {$49000.00} and that I have a current amount due for the month for {$620.00}. I am asking for proof that I owe this debt due to the debt being in the positive. You can not offset a positive with a positive therefore this is a billing error, and if there is a debt that is owed I would like XXXX XXXX and Commonbond to provide proof and that there is no billing error. 

They also sent a letter on XX/XX/2021 that a late payment will be furnished on my consumer report. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) transactions and experiences between the consumer and the person should be excluded from my consumer report which includes late payments.
Product: Prepaid card

As I feel that is bank should pay the claim of the sum that you created XXXX as I have constantly suffered from identity theft fraud and my mortgage broker XXXX identity theft fraud claim department XXXX spoke to me XX/XX/2024 at XXXX for XXXX minutes and he assigned claim no. XXXX. 

Police report XXXX Affidavit of Forgery completed XX/XX/2024 I were successful filing with XXXX XXXX two claims each for XXXX XXXX and XXXX. 

On XX/XX/2024 I spoke with XXXX XXXX XXXXXXXX internal affairs fraud investigator XXXX whom ask me that for the 15 years of not being able to get my XXXX benefits how much would I say my case is worth and I said XXXX and he then said XXXX it will be and that he are putting it in the system. He did that because the next 10 calls I made to boa they confirmed yes it is there. 

All my XXXX, XXXX and mortgage benefits XXXX XXXX from XXXX here on an visa using two fake SSN numbers XXXX and XXXX has gathered all my benefits into his business account at XXXX known as XXXX XXXX XXXX XXXX Illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a XXXX  at XXXX XXXX XXXX, for internal commute purposes, and had it financed with XXXX XXXX XXXX XXXX as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit score, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via XXXX XXXX XXXX is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and XXXX, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with XXXX XXXX XXXX XXXX, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the XXXX  i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. XXXX did send a letter stalling the process basically congratulating me on taking steps on repairing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for you to inform that as I open my credit report, I had found out that there are some inaccurate information that are needs to be corrected as soon as possible. For this reason, I want you to conduct an investigation regarding this issue. Please adhere to the law. Correct these accounts on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 found fraudulent inquires in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete
Product: Credit card or prepaid card

XXXX XXXX commenity bank is terrible customer service. I had returned an item I purchased and the amount was credited back on the account. I made an initial payment with a representative and the wrong account digit was entered the payment was never processed and i was never notified of this. I then recieved a 2nd statement, a late fee and a finance fee. the finance fee was chanrged due to representative not completing the correct payment digit on my bank account and i was held responsible for this. the comapony told me there was nothing they can do and i was responsible for it. i then was never notified my accunt number changed in their system transfer so upon calling in to follow up with so much trouble a represenative could not access my information because i had an old account number. the commentiy bank has terrible customer service. very unclear communication. statements can not be accessed online because the web site will not let me access password reset. there is no represenative who can give me a full account number. this whole process is a nightmare and very difficult to get a straight explanation from peole who work for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Chex Systems Consumer Report ID:XXXX is fraudulent and unauthorized : XXXX XXXX, XX/XX/2021. The credit inquiry is not my credit inquiry. I am a victim of identity theft and has a current police report on file with Chex Systems for identity theft, fraudulent accounts and credit inquiries issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Creditor has twice reported me delinquent on XXXX separate accounts with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. i have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I have no knowledge and despite my two attempts to contact them regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information that is invalid on my credit report. checking my file ive noticed that this has been an ongoing issue. none of the data is accurate on all XXXX credit reports. please review an remove the following data that is listed to correct my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TOYOTA MOTOR CREDIT CO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code 15 USC 1666 B. 
I demand that XXXX, XXXX, and Equifax provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.
Product: Consumer Loan

We took a cashcall loan for XXXX paid back XXXX and we are now being sued for an additional XXXX, which now the attorney for Cashcall wants XXXX. We are to be in court tomorrow XXXX XXXX XXXX We planned out settling for XXXX if that 's possible making payments for 30 months.. the attorneys for cashcall are ruthless and trying to get us to sign papers for a judgement of XXXX on the XXXX settlement offer if we do n't pay.. I refused to sign it.. I 'm in California so I 'm not sure if we have any rights..
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I received a bunch of inquiries that were not authorized by me in XXXX of XXXX  and I sent a dispute in and Equaifax, transunion and Experian removed half of them but the other half are still reporting on my report. They need to be removed.

Ive included the letter that was sent to the credit reporting agencies as well as the credit report showing the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX. 

XXXX XXXX - Closed XXXX, XXXX XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Ally auto bank misleading customer service team with their Total Loss department. I had a total loss car on XX/XX/2022 due to Hurricane Ian. The car was flooded and was a total loss per my auto insurance company. The car had GAP insurance also. Once both claims had paid their claims due to the total loss of car, there was a balance of {$1400.00}. When I spoke with Ally auto bank they reported they were still waiting for refund from the dealership for the warranty and road taxes. Then I received a delinquent on my credit report. I phone the dealership and they stated the refunds were sent. Call Ally to find out where the balance was from, the said that that was the remaining balance which I was responsible for. If the representative would of told me that I would of paid the balance but instead they said they were still waiting. I then paid balance and the account was closed due to being paid in full. The account was taken care right away.
Product: Checking or savings account

Bank Of America has been creating bogus accounts and keeps calling me for their products or other related banking inquiries. 
the recent account was created without my notice, without my consent, without my permission, etc. here is the account info : Account # XXXX XXXX XXXX on XX/XX/XXXX, received the attached letter. 

Next, another account was created in the same fashion, without my permission or consent. 
The account number for this debit card is XXXX valid thru : XX/XX/XXXX, with a security code. 
please see the second attached document for their letter. 

Bank of America was called multiple times at XXXX XXXX XXXX XXXX, and told about these letters and accounts, to be closed immediately. All calls ended with the bank associate confirming the closure and indicating that no further incidents like that would happen. But again, it did happen. 

this is a record for XXXX XXXX, to make sure that if any financial fraud happens under these bogus accounts, or any other Bank of America account under my name, I, XXXX XXXX have never authorized Bank of America to open any accounts with my name on it. 

Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, XXXX XXXX, and Comenity Bank XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Comenity Bank XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I disputed an account from XXXX ( Account # XXXX ) who are reporting to XXXX, Experian, and XXXX. I claimed the account was being reported as inaccurate and incomplete and after 30 XXXX, Experian, and XXXX sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX. Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches Experian continues to report. 
Reports account Date closed does not match XXXX and XXXX o Experian XX/XX/XXXX o XXXX reports XX/XX/XXXX o XXXX Missing info Reports Charged off date before account closed date reported by XXXX o Reported Charged off date XX/XX/XXXX o XXXX Date Closed XX/XX/XXXX Charge off date doesnt match with XXXX o Reported Charged off date XX/XX/XXXX o XXXX reports Charge off date on XX/XX/XXXX Reports Payment Status o Reports 60 days late o Account Status reports Charged off Maximum Date and Charged off Date does not match o Maximum Date XX/XX/XXXX ( Defined as Date the worst status was reached ) o Charged off XX/XX/XXXX Payment history for XX/XX/XXXX doesnt match with XXXX XXXX XXXX 60 days late o XXXX reports Charged off Payment history for XX/XX/XXXX doesnt match with XXXX o Reports 30 days late o XXXX reports 60 days late Date of last activity does not match XXXX and XXXX XXXX Reports XX/XX/XXXX o Experian XX/XX/XXXX o XXXX XX/XX/XXXX From the evidence above, XXXX, XXXX , and Experian can not be verified as accurate therefore Experian is in violation of FCRA 1681e ( b ), which they are not assuring maximum possible accuracy of the information.
Product: Student loan

Steered towards forbearance instead of offered an income-based repayment program. Notifications were lacking in information that my IBR was about to expire and required renewal. Loan calculation were a bit skewed, I earned an additional {$1200.00} from one year to the next due to a raise, Navient increased my loan payment by {$90.00} a month when I filed for IBR.
Product: Mortgage

I pay my mortgage to Nationstar dba Mr. Cooper monthly by requesting my bank, XXXX, to make payment. I did this on time at the end of XXXX ( according to my XXXX statement : {$2300.00} paid XX/XX/XXXX through an online payment to Nationstar Mortg XXXX ). However, we realized that Mr. Cooper had not credited this payment and has been levying monthly late payment fees in the amount of {$69.00} each month a few weeks ago. 

I called Mr. Cooper on XX/XX/XXXX, and was directed to have my bank send proof of payment to Mr. Cooper 's Research Department by fax. I called XXXX immediately the same day, and was on the line while XXXX faxed this information. I called Mr. Cooper on XX/XX/XXXX and was told the payment was not credited, but that it takes two days to process. I called Mr. Cooper again on XX/XX/XXXX ; the representative I spoke with still could not verify that the payment was credited ( or the fax had been received ) and also stated that it can take " 20 to 30 days to process. '' She then forwarded me to another number that did not have an answering service or anyone answering ( the phone rang indefinitely, so I had to hang up ). 

Today, XX/XX/XXXX, we received a phone call from a debt collector.
Product: Debt collection

I am submitting this complaint for the company Kohls / Capone to validate the alleged debt within 30-days of receiving this complaint. I recently tried to send out the validation request and a copy of my dispute which was returned to me as the address listed on my XXXX credit report of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, does not exist and the latter was returned to me around XXXX. I have attached the disputes I tried submitting to the company. I also disputed with XXXX. The alleged debt can not be validated by law and under Michigan law the company is required to validate the alleged debt with a signed contract, not just statements. I do not recall this alleged account and therefore the company has no contract therefore the company must remove the alleged debt.
Product: Debt collection

This collection company Vance Hufman has violated my rights by applying this collection on my credit report without permissible purpose or written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.