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

On XX/XX/2020 I received a notification that XXXX XXXX XXXX XXXX XXXX had an inquiry on my credit report. I have tried to call the numbers associated with that and no one will ever answer. It tells you what called you are and how long he wait is and you sit on the phone for 45 minutes and no one ever answers. The company seems like it is something to do with small business loans for relief with Coronavirus. I do not have any kind of small business nor have I ever. I have tried to email 2 different  emails addresses also and I have gotten no response. I want this inquiry off. It is not mine and I have been struggling to get the inquiries and my credit back and this doesn't help me. I tried to call Experian and dispute it, but they told me they can't do anything until they get something in writing from the XXXX XXXX XXXX XXXX XXXX and I can't get that if no one will acknowledge my concerns.
Product: Credit reporting or other personal consumer reports

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the three major credit bureaus : XXXX, XXXX, and Experian. 

Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. 
I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, XXXX, and Experian. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. 

Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA , this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XXXX  Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Product: Checking or savings account

I joined the XXXX XXXX XXXX in XXXX, directly after XXXX  from high school, and XXXX later, in XXXX, I retired as a XXXX, after an hXXXX XXXX XXXX career. 

As a banking client for 34-years, on XX/XX/XXXX, I received a " surprise '' letter from USAA Federal Savings Bank , informing me that " after careful evaluation, we're sorry to inform you that USAA Federal Savings Bank is exercising its right to no longer do banking business with you pursuant to our Depository Agreement. We are electing to close the following accounts XX/XX/XXXX : Checking account ending in XXXX Savings account ending in XXXX '' I immediately wrote to the bank requesting reconsideration along with the reason for closing my accounts. On XX/XX/XXXX, USAA responded as follows, " On XX/XX/XXXX, you were informed that your checking and savings accounts would be closed. According to the terms and conditions outlined in the Depository Agreement and Disclosures, " We may close your account at any time without advance notice. '' '' In their letter, USAA continued, " We're aware of your continued dissatisfaction with our decision ; however, our position remains unchanged. While we understand this is not the outcome you were seeking, we appreciate the opportunity to review the situation and explain our position. Please be advised that this is our final reply to you about this matter. '' In XX/XX/XXXX, I was informed by USAA that an unknown person was attempting to access my accounts. I informed the bank that I was a victim to identity theft and that my credit reports are currently frozen. Since my ID theft was active, I requested their assistance in identifying the individual trying to access my accounts. I was not provided with any information. Three months later, USAA notified me they were closing my accounts. I believe they have an obligation to protect my identity and as a result, they have failed me in this regard. 

USAA never gave me any reason for which they elected to terminate my long-standing accounts, nor did they " explain their position '' other than this was their final reply. I did not break any laws with USAA, I did not misrepresent them, and I did not do anything to cause them and harm or tortious interference. In fact, over the years, I encouraged my military colleagues to join the bank and its associated entities. 

After my XXXX XXXX  career, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Having my checking and savings accounts taken away from me has exacerbated my XXXX and every time I see the USAA Federal Savings Bank advertisement on the TV, my XXXX  increases significantly. I can not fathom why USAA would terminate my relationship with them, especially after such a long relationship.
Product: Credit card or prepaid card

TARGET MASTER CARD FRAUDULENT CHARGES. FAXED INFORMATION ON XX/XX/2023 RECEIVED LETTER TODAY THAT STATES I WILL BE CHARGED BECAUSE THEY CALLED AND SENT LETTERS AND I DIDN'T RESPOND. WHICH IS PATENTLY UNTRUE
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX MILITARY CURRENTLY LIVING IN XXXX ON MILITARY ASSIGNMENT. WHILE CHECKING MY CREDIT ON XXXX XXXX, I NOTICED THAT STERLING JEWELERS AND XXXX XXXX XXXX   MADE A HARD CREDIT INQUIRY ON MY REPORT ON XX/XX/2019. I DID NOT AUTHORIZED SUCH INQUIRIES, AND I AM NOT SURE WHAT IS GOING ON. 
BELOW IS THE INFORMATION FROM THE COMPANIES : STERLING XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Between the dates of XXXX to XX/XX/2023 I check my transaction history of my bank of the west credit card and paid off my outstanding balance. Each time I did the account balance would clear then the next day have a new higher balance that does not match what I have used the card for. 

I went through the entire month and checked statement balances versus how much I have paid and I have paid more than is owed on the card yet some how I still owe more money. When talking to two customer representatives one hung up on my and the other is claiming the account is accurate even though I have paid more than is owed on the credit card. 

Bank of the west is inaccurately displaying money owed on credit cards in order to scam and steal money from customers.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, Rocketloans.com started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my SSI ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, Rocketloans.com grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Experian credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Experian. 

In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiries be deleted from my credit report immediately. 

- XXXX XXXX XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a text stating that this a debt collector trying to collect a debt. Asked to call, go to website or stop the text. I did not send the message STOP because this may show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  & XXXX  has violated my consumer protection laws under the United States code title 15 chapter 41. The first violation is they have this alleged debt being furnished on my credit report. That is a violation of 15 USC 1692b ( 2 ). Its violating because it being furnished would mean I owe it, but a debt collector cant say I owe anything. I am the original creditor because I am the one with the credit. There are several public laws regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. They did not give me the credit so they can not validate the debt. I am the only one who can validate the debt because the corporation is not a natural person according to congress. They are a entity. I do not validate this debt. 

Pursuant to 15 USC 1692d only the natural person can validate an alleged debt. No debt collector/ corporation has the power to tell me a debt is validated. No contract or monthly statement can validate the debt. 

The consumer, the natural person Is the only true creditor as I am the one that created the debt per federal law. 

I demand that the accounts listed in my letter be deleted asap. If you cant delete the accounts I demand that you produce a contract in affidavit form between me and you showing I granted you permission to furnish the report. If you have that permission have senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.
Product: Debt collection

THIS US NOT A DUPLICATE COMPLAINT!

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the 3 items I specifically requested in accordance with the FDCPA.

My complaint specifically addressed the issue of HIPAA compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

Therefore my request is twofoldvalidation of debt and HIPAA authorization. 1 ) Please provide breakdown of fees including any collection costs and medical charges. 2 ) Provide a copy of my signature with the provider of service to release my medical information to you. 3 ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX   XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were affected by the Equifax hack and our information was stolen. The company provides credit monitoring, but it requires users to waive their rights to a lawsuit. Furthermore, it only offers the service for one year. In addition, they will not answer their phones, or emails, in order for me to obtain a contact, so I can sue them.
Product: Credit reporting or other personal consumer reports

I was applying for auto insurance online with XXXX. after entering my information just before checkout my rates were changed. It was because of an accident on my report with Lexis Nexis dated XX/XX/year>. I never had an accident. Lexis Nexis is reporting false information on my file.
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 NUMBER : 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 : 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 CREDIT BUREAU 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, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I finally closed on my VA assumption loan o XXXX after several months of poor/lack of communication with Freedom Mortgage. Once it closed, I received an email from the Assumption Closing department, on XXXX, advising me that the system had been updated with my information. I then registered/created an online account that same day and made my first mortgage payment. On Sunday, XX/XX/2024, I tried to login to schedule my XXXX mortgage payment and was unable to login. I emailed the Assumption Closing department informing them that I was unable to login to my account. I also explained that I was able to login and successfully make a payment earlier this month. I asked them to " please advise on how I am to access my account and make payments. '' I received a response on XXXX, They said " Online access for assumption loans is not available at this time. You can call into our customer service line to make payments or set up automatic payments. Freedom Mortgage is aware that this is not convenient and is currently looking into this further. You will be notified if/and when this ever becomes available ''. This is unacceptable, I had online access and they removed it. This needs to be reinstated so I have access to my loan and can make payments. Attached are emails documenting my conversation with the Assumption Closing department and the receipt for the payment I made when I did have online access earlier this month.
Product: Credit card or prepaid card

XX/XX/2017 I purchased Items from XXXX, as Returns.  XXXX monitors or states that they monitor lots they sell, and theres a small expected % of possible salvage items. The order contained well over HALF of the items found to be scratched, cracked, broken, and worse. XXXX I believe is WELL AWARE that they add a HIGH % of salvage items in to lots that are listed as RETURNS in order for XXXX  and their sellers to make a higher profit, this in turn ruins Small Businesses like myself when they lie and cheat and deceive the little guy. 

Paypal I filed the dispute. I spoke with a number of Paypal associates who did not seem to really understand common english, after I attempted over a DOZEN times to submit proof, evidence since XXXX, and attempted via Email to Paypal as well in regards to the Error I still receive even to this date when trying to view the Case, Submit documents, etc. 

Example Error on Paypal site : Sorry your last action could not be completed If you were making a purchase or sending money, we recommend that you check both your PayPal account and your email for a transaction confirmation after 30 minutes. 

If you came to this page from another website, please return to that site ( don't use your browser 's Back button ) and restart your activity.

If you came from PayPal 's website, click the PayPal logo in the  upper-left corner to return to our home page and restart your activity. You might have to log in again. 

Continuing .... 

I made well beyond a good faith effort, and then some with Paypal on this issue, and the Report of the items. I will not be paying the {$460.00} period since I was not able to perform any actions in regards to the case due to Paypals poor Resolution process and defective website as clearly stated above. 

Also in defense of the order that I will not be paying the {$460.00} is that the purchase was allowed at the time of purchase 6 months No Payments 0 % interest, and at the Denial of the resolution Paypal refused to honor their own advertised 0 % No Payments.

The items received from XXXX were considered 'SALVAGED ' & sold to me as 'RETURNS ' which is clearly false advertisement. XXXX has done this before and gotten away with it, and its time that they be found responsible for falsely selling their Liquidated items. A quick look at my XXXX account can verify the items defective percentage. 

Paypal needs to Fix their stuff, you can not expect the Customer to fulfill requirements and such if your stuff is broken.

I expect to hear from the Corporate Office immediately in regards to this, and in regards to the sale from XXXX which Paypal should have honored the customer and protected me from their poor business practices.
Product: Checking or savings account

they took my money all of it I owe them nothing no loans no fees nothing and they took my money out the account and froze me out there is no other way to explain it they literally did just that and wont tell me anything
Product: Credit reporting or other personal consumer reports

XX/XX/29 Opted-out third party reporting & Credit Reporting Updates Asked to keep my account open, as I never instructed to close the account. 

XXXX, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # Incorrect non-matching account type- detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment