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

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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: Debt collection

Harris & Harris of XXXX  ( XXXX XXXX XXXX ) is consistently psychologically and mentally harassing to pay me a debt I don't owe despite showing evidence in writing by my Insurance company that I don't owe. The writing also shows that XXXX XXXX have indeed erased the debt at the time when Insurance company dealt with them. XXXX XXXX XXXX have ignored my evidence and continued to call on multiple occasion and mail.
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX XXXX Police Report and the FTC affidavit needs to be sent to all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX and Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX and Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to challenge the items on my credit account 30 days ago. No response or acknowledgement of the the items protested was made.
Product: Mortgage

In XX/XX/XXXX took out HELOC with XXXX XXXX XXXX  for {$16000.00}, which was purchased by Bank of the West shortly thereafter. After getting some financial stability back, we decided to refinance starting in XXXX. After repeated and repeated requests for a payoff in writing from our mortgage brokers, it wasn't until XX/XX/XXXX they finally decided on a sum. Not correct but paid anyway to get them out of our life. Somehow they put two liens on our house, which we paid ( SEE ATTACHED ). They however after 2 years have only released one. They have no contact information for their conveyance department. My title insurance company gave me an email address. So I sent an email requesting the release on XX/XX/XXXX. Still on record at county clerk 's office, the only correspondence we have received from Bank of the Worst is letters of loan default. I am at my wits end, this bank has added accounts, changed account numbers and have no clue what fiduciary duty even means. We paid the liens off, they need to release immediately.
Product: Debt collection

There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? 

XXXX XXXXXXXXXXXX - XXXX
Product: Money transfer, virtual currency, or money service

I d

id a wire transfer of {$8400.00} on XX/XX/XXXX to my Coinbase account. It has still not shown up to my account .... I contacted my bank which is XXXX XXXX XXXX to confirm the wire transfer went through that same day I submitted it. I contacted their bank XXXX XXXX and they received it that same day and posted it to Coinbase that same day. They told me now it 's just on Coinbase end to post it onto my account however there is still no money in my account .... Their website states it normally takes 2-3 business days for wire transfer. Today is now XX/XX/XXXX. I 've tried contacting them numerous times and never got a live person or a response until yesterday on XX/XX/XXXX when I spoke to a manager who could not give me any info besides they 're escalating it to a specialist. After speaking with him I started doing research and discovered there are tons of people that are going through the same problem that I am and have not gotten it resolved it months.

Here is a link for proof : XXXX XXXX XXXX/ I started a service request with my bank to get my wire transfer back on XX/XX/XXXX. My bank said they 're now waiting on Coinbase 's bank XXXX XXXX to send me my money back ... still nowhere to be found. I contacted Metropolitan bank and they said they 're waiting on Coinbase however still have not heard back from them. I am worried about them even sending my wire transfer back because many people complained about how their money never showed up after they told them it has been sent back ... This was meant to be an investment however it has set me back by XXXX of my hard earned money and now I 'm on the verge of being homeless because of this. Please help!!! My bank XXXX is telling me they cant do anything, XXXX XXXX is telling me they cant do anything, Coinbase support is not existence. Please help me get my money back. Thank you,
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to have my information. I have reported this information to the police as identity theft. I have also filed a complaint with the ftc as I have requested information on these account to XXXX, Experian. I have the right to privacy! This is identity theft I never received any benefit from these unauthorized inquiries neither do I have any accounts with these companies. There has to be permissible purpose and I never gave consent in writing, verbal to report anything to my consumer file. Attached is the identity theft affidavit of all the accounts and address that are non mailable and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my experian, XXXX   and XXXX credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Amsher Collection services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Amsher Collection services any right to collect on this alleged debt. I have never received any documentation requesting validation from Amsher Collection services. If Amsher Collection services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Amsher Collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This consumer expects that this collection will be removed from the consumer credit report for all XXXX credit reporting agencies. If this documentary evidence can not be produced and Amsher Collection services continues its collection efforts ( which includes negative credit reporting ), I will file for litigation for actual damages caused and Amsher Collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

These late payments do not reflect my regular payment behavior.
Product: Checking or savings account

{$1800.00} dollar was deposit into my account XX/XX/2024 {$500.00} dollar was deposit into my account on XX/XX/2024 {$100.00} dollars was deposit into my account on XX/XX/2024 which brought the total of my account to {$2400.00} they subtracted {$1000.00} from my account leaving the balance {$360.00} every purchase that was made as of XX/XX/XXXX to XX/XX/XXXX is in a negative and they are charging me {$700.00} in overdraft fee when I had the money in my account that they never credited to my account to cover my payments they stole my money
Product: Credit reporting or other personal consumer reports

My credit limit with Chase was {$22000.00}. Chase let me go over by three times the amount, over {$67000.00}. This is illegal. I have made payments since then. My balance now should be no more than {$10000.00} after subtracting the payments from the limit of {$22000.00} from when I closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i sent Experian and XXXX a FTC identity theft report along with : proof if identity, 2 proof of address, a pending XXXX police report and a letter to each stating that my ex partner ( mother of my son, whom i shared a home with for 6 years ), used my information to open credit cards and loans under my name. she has since left the home and i do not know about her whereabouts. 

Experian replied that the police report was missing an officer name and badge number, XXXX police has sent me the final police report which has that information. they said the FTC report needs detailed info about the theft. it is included : accounts, dates, amounts etc. i have even sent extra proof of address to them. 

XXXX replied back with a affidavit form that i have signed and notarized and have also sent back to them with proof of identity, and proof of address and the final police report. 

i have notified every company reporting these fraudulent account and not even them have given me the hard time that experian and transunion are giving me. 

i have complied with every piece of information they have asked from me and the continue to report these accounts on my credit report. i am a songle father to a XXXX XXXX XXXX XXXX son. im having a hard time financing things that he and i need because of these two credit bureaus. attached is every single document sent to them and their reply. 
XXXX Account Number : XXXX {$4000.00} XXXX XXXX  Account Number : XXXX {$2000.00} XXXX Account Number : XXXX {$5200.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$27000.00}
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed  XXXX  accounts which came back verified without any verification sent to me in the mail showing any kind of contracts with the people who placed the accounts on my credit which are  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  My contracts were cancelled with them Over 30 days ago I also disputed inquires on my report in which I did not authorize I contacted the companies and they stated that they did not have a way to remove the inquires because I do not have an established account with them  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX  So I am filing a complaint again asking for the same thing once again
Product: Credit reporting, credit repair services, or other personal consumer reports

So one Ive never open account with you so Im victim of identity theft and clearly I dont know how to reach you personally but I want this account closed this wasnt authorized by the original XXXX XXXX someone using my personal information to open account and this includes this one and making purchases through my bank card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX  XXXX Balance : {$310.00} ; XXXX  / XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XX/XX/2023 XXXX Need fast removal of inquiry off credit report
Product: Credit reporting

I original had this overdraft line of credit on my checking account with XXXX Bank. however, due to a divorce I defaulted on the loan XX/XX/XXXX or XX/XX/XXXX. Due to the statue of limitation the debt should have been removed from my credit report XX/XX/XXXX. XX/XX/XXXX I submitted a letter to Portfolio Recovery ( debt was sold to them from XXXX XXXX ) requesting this debt be removed, and they responded they would not, and resubmitted it on my credit report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX received by certified mail, an ftc report, police report and affidavit of truth advising them of instructions on what to report as well as remove from my credit report. They have failed to follow my written instructions. 
On XXXX XXXX, XXXX XXXX disputed department received by certified mail my ftc report, police report as well as an affidavit of truth as well as a statement of violations. They were given written Instructions on what to report/remove from my consumer report. All 3 bureaus was sent all of the corresponding information. Everything that needed to be notarized was so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app credit karma to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}
Product: Credit card

In XXXX 2015 I received a form letter concerning a change in my Macy 's account ; specifically, Macy 's was closing my American Express store account and had selected XXXX Bank as their preferred credit provider. When I had not received a new credit card by early XXXX, I visited the local Macy 's store ; they suggested I write to the issuing organization XXXX about my missing card. I sent a letter on XXXX XXXX to request information and the new credit card. As of this date I have not received any response to that letter and still have not received a new credit card. I am concerned that a credit card in my name is still missing and have not been able to get any information from Macy 's or the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX ... it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

2. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of Equifax data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

FCRA 15 usc 1681i 602A states I have the right to privacy.

FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.
Product: Payday loan, title loan, or personal loan

Lendmark financial services denied my right to counteroffer. I did not request a counteroffer yet they stated in previous complaint XXXX they are denying my counteroffer.
Product: Consumer Loan

Dear Sir or XXXX, My name is XXXX XXXX. We are dealing with some financial challenges. Yesterday ( XX/XX/2016 ) I requested a " corrected balance form Mercedes Benz financial Service ( XXXX ) XXXX due on monthly statement '' as follows : 1. Mercedes Benz Financial had issued a vehicle recovery and later cancelled, but this was very XXXX. 
2. Discrepancy PAYMENT DEFERRAL AGREEMENT {$780.00} approved XX/XX/2016, which was for XX/XX/XXXX and XX/XX/2016 payments. 
. Also recent payments XXXX, 2016 for {$850.00} and {$870.00}. 
XX/XX/2016.. {$850.00}. XXXX XXXX Confirmation number XXXX XXXX XXXX, 2016 ... {$870.00} XXXX XXXX confirmation number XXXX 3. There is discrepancy in statement indicated amount owed is different form payments that have been made and processed. Mercedes Benz financial still indicating our balance XXXX which is " INCORRECT ''. 
We were approved Mercedes Benz Financial Services Loan service for our vehicle a PAYMENT DEFERRAL AGREEMENT which was approved by XXXX XXXX for the XX/XX/2016 and XX/XX/2016. 
I appreciate assistance in getting corrected balance owed to avoid any potential vehicle recovery risk. See attachment Payment XXXX XXXX
Product: Debt collection

This complaint is about TD BANK enormous usury fees without full disclosure and the problems with XXXX. My property was used for storage, never touched until TD BANK sent in workers to change the locks.We believe TDBANK Workers took out storage boxes marked " Silver '' then went back for more. We believe TDBANK workers took away, stole, the entire contents outside the back door leaving a gaping hole. We are still trying to discover what they took away leaving a gaping hole.The break in was discovered early XX/XX/2018 by XXXX XXXX XXXX XXXX broker ( XXXX  ) who had property for sale. XXXX  went to check the property, saw the break in and damage. XX/XX/2018 XXXX said TDBANK needs to track down the workers who broke into and ransacked my property. Full disclosure is a legal requirement in real estate transactions and TDBANK did not do this.