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

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CAPITAL ONE CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME CAPITAL ONE WILL ADVANCE YOU TO A QUICKSILVER CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE QUICKSILVER CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED CAPITAL ONE TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. CAPITAL ONE STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' CAPITAL ONE KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Account and inquiries on Credit Report I am writing to dispute a fraudulent account that appeared on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I did not authorize or open. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Santander Consumer via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX U.S. CXXXX XXXXXXXX - Civil Liability for Willful Noncompliance, XXXX U.S. CXXXX  XXXX - Civil Liability for Negligent Noncompliance, and XXXX U.S. CXXXX  XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX U.S.C. XXXX ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX U.S.C. XXXX ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX U.S. CXXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, XXXX U.S. CXXXX XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX U.S.C. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX U.S. CXXXX XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law XXXX U.S.C. XXXX ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my equifax, XXXX, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 -XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX  - XX/XX/2018 XXXX XXXX XXXX   - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
Product: Debt collection

XXXX XXXX claims that I opened an account and received products. I have never used my name or government ID to open an account.I never received any products. This is a fraudulent account and identity theft. They claim the amount is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Debt collection

XXXX XXXX I received a credit alert about a collection account that I never received a call, letter in mail or email about this debt from 2017 until reported on credit report. This company is not compliant with the laws on contacting consumer of debt. The company failed to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of my/consumers right to dispute the debt within 30 days. 
I was told they didnt have to send letter. 
I have contacted the company with payment info and also made a complaint to them on their unfairness practice but I have not received any response
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was traveling on vacation and received an email alert from Chase Bank thanking me for my recent application for a Chase Freedom Flex Card. At my earliest convenience I contacted the bank to let them know that I did not apply for this card and that the inquiry needs to be removed and I would like paperwork on this fraud case so that I can file for more information to see who may have filed for this card in my name. They said not to worry and that the card was denied because the address didnt match the address they had on file for me. 

My main issue with the company now is that its almost been 2 MONTHS and I have yet to receive any documentation on this incident and the inquiry is still on my credit report. Ive spoken to 3 different representatives and all of them have said I would receive paperwork in two weeks. Its the same message every time. I need these inquiries removed from my credit report immediately and Id like paperwork for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this for 4 months now and no reply from anyone. Contacted the creditor and no reply after 60 days and the same for the credit bureaus. 
the following accounts are reporting inaccuate 1. XXXX XXXX 2. XXXX   3.XXXX They are charged off accounts and they are reporting a balance and that is against the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details of my credit I noted an inquiry was completed on both XXXX and XXXX by Quicken Loans, dropping my credit score by a total of 38 points and moving me down from an excellent credit standing to good. 

I have not applied for any loans with Quicken Loans. I have not supplied Quicken Loans with my personal information. I have not received any contact from Quicken Loans to confirm authorization to complete an inquiry on me nor complete an application of debt/loan on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I did not give XXXX XXXX written or any other consent to pull or review my credit. They broke the law according to. Trans Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Transunion by law was supposed to make sure that this alleged consumer transaction was legal based on Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

They did not. 

I'm asking for this unauthorized inquiry be immediately removed from my credit.
Product: Debt collection

I was alerted through my credit bureau apps that a new collection account was listed on my credit report. I have no knowledge of this debt, I received no mailings or communication from Medical Systems to review or validate debt just an immediate placement onto my credit report. I have informed the bureaus and placed a fraud alert on my credit profile along with the police report number.
Product: Checking or savings account

I have been having fraudulent charges on my account and I called CHASE bank and informed them that I did not authorize the charges that I had disputed and each time they have held me responsible for these charges. I was never given any written authorization that bear my signature that I authorized these charges. As a consumer I am suppose to be held XXXX fraud liability for charges that I didn't authorize. I am suppose to be protected under the fair credit billing act which my rights a consumer has been violated. I am now complaining to FTC, CFPB and the FEDERAL RESERVEBOARD
Product: Debt collection

Hello, Pinnacle indicated that they have purchased this collection note from another agency. I have requested verification of the debt from Pinnacle and they have failed to provide any verification, or direct contact name and phone number of who can verify the collection information. 

Pinnacle continues to report this to consumer bureaus in error and also note that the disputes have been resolved, which they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I also Sent Equifax to remove the incorrect addresses on my credit profile. 
They have failed to do so.
Product: Debt collection

I had an auto loan with US Auto Sales and I made a purchase with US Auto Sales in XXXX of XXXX for a XXXX XXXX XXXX. US Auto Sales went bankrupt. I made my last payment to US Auto Sales in XXXX of XXXX. My loan was for XXXX. I had the car for about XXXX XXXX months before US Auto Sales went bankrupt. A company called Westlake Management started calling and demanding payments on the car I got from US Auto Sales. They stated that I owe over XXXX for the car and my original loan agreement with US AUTO Sales was for {$18000.00}. I asked Westlake Management to show me proof of payment, original loan agreement with my original signature, and host of other documents. I demanded that I receive it in writing on XX/XX/XXXX, and I never did. Westlake Management came and repossessed my car without my knowledge and they didnt let me get my personal belongings out the car. My original loan agreement was in the glove department of the car. Westlake Management is now putting false information on my credit report. I never had a loan agreement with Westlake Management. My loan agreement was with US Auto Sales. Westlake Management came out of no where and they are not located in my state. They are located in the state of California and I live in the state of GA. They call me at inconvenient times. Like, after midnight my time. I am trying to get Westlake Management disputed off my credit and I would like for them to stop reporting to my credit history. Also, I have the paperwork that I sent them on XX/XX/XXXX. US Auto Sales no longer have a customer service number to reach out too.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have been a victim of identity theft and fraud and I have incorrect addresses and telephone numbers and names reporting on my credit reports that I will like removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my daily credit report with Equifax to review my credit and noticed that Equifax had placed a one year fraud alert on my credit file for no reason and without my consent or knowledge. It shows that the fraud alert was initiated on XX/XX/XXXX. I have been having issues with Equifax improperly placed initial and extended fraud alerts on my credit file without my knowledge or consent for the past few months now. It is an absolute nightmare trying to get them removed once they have been placed. The fraud alert than sets off an alert to other credit reporting agencies who than places a fraud alert on those credit files. When you call Equifax to have the fraud alert removed it is nearly impossible to even understand what the CSR is saying because your called is routed to a company outside of the United States. I am furious that Equifax placed this fraud alert on my credit file without any known cause or reason without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I never had an account with this company. They never sent me information with my signature within 30 days. 
Portfolio Recovery {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX for an XXXX XXXX of {$400.00} and XXXX as a company is connected to XXXX for payment. I initially paid {$420.00} with the additional {$15.00} fee for using XXXX as a service. This was done on XX/XX/XXXX, however on XX/XX/XXXX I received an email stating that I was going to be refunded the {$400.00} dollars from the seller XXXX XXXX around XX/XX/2019, but on that day I only received the {$15.00} dollars back from using the XXXX service. In order to remedy the fact that I was not receiving a phone from the initial buy, I proceed to buy another phone for {$380.00} and received it on XX/XX/XXXX. In attempts to call XXXX, the number I found as the customer service number was XXXX which ended up being a scam and they said to refund the money I would have to buy XXXX XXXX cards. First, they said that I would simply need {$100.00} for international hackers, so I brought two XXXX play cards both worth {$20.00}. Then they ask that I buy 3 cards worth {$100.00}. While I read the pin on the back of the XXXX XXXX XXXX the representative on the other line would type the numbers/letters into a computer system. Next, they told me to buy one {$500.00} card for security measures of my account and to combat the last glitch for my refund. Then after I read the pin number on the back of the XXXX XXXX XXXX the phone was disconnected and I was no longer able to make any calls. I found my girlfriend and ask to use her phone and the representative explained that since the phone cut off the money would stay in the server. The phone number was XXXX and again he explained to me and my girlfriend that if one more {$500.00} XXXX XXXX XXXX, I would receive {$1400.00} back. Out of frustration, I proceed to buy the last card of {$500.00} using the money out of my savings and once I read the last pin for the XXXX XXXX I was transferred to the refund department where they asked me to provide my billing address. Then again the representative of the refund department ask that I would by another {$500.00} card to complete the refund. After this, I hung the phone and research the number to find out that it was not the customer service number for XXXX and it was already reported for fraudulent activity. At this point in time, I have lost {$1400.00} dollars due to this situation and the money came out of my savings. XXXX directed me to file a complaint to XXXX ; however, previous to this I did not have a XXXX account and it was not required to purchase the phone. On XX/XX/XXXX XXXX refunded me for the original {$400.00} that was lost, but Im still waiting to resolve the {$1400.00} lost through the XXXX XXXX XXXX. I contacted XXXX on the situation and I was told they have opened an investigation on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

So they offered me the public service forgiveness for my student loan. original loan was through XXXX XXXX XXXX. I had to pay upfront fees to enroll and was told that once I make XXXX  payments the balance would be forgiven. The company name is Cornerstone, after the fees were paid in three installments, my monthly payments of {$39.00} a month have been paid through my financial institution on auto pay. When I noticed that my student loan balance never changed or seem to update I became worried and logged in to my EdFinancial account to see what was going on. The credit bureau kept reporting back to me that the information on my report was accurate. The loan was removed from my credit report which improved my score in a good way. Then months later added back on to each credit Bureau, which decreased my score drastically. The total fees that they charged me were {$890.00} XX/XX/XXXX during pandemic. Student processing center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  ( XXXX ) XXXX. Please assist me to getting this rectified and payments accounted for. At the time I was not employed and had to use my unemployment income to pay that fee to start what I thought was assistance for student loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remind Bank of America that, as a victim of identity theft, I have the right to dispute any account created using my personal information. I have filled an FTC affidavit in early XXXX and sent it to the CFPB, who subsequently sent it to Bank of America. I have been out of the country since XX/XX/2023 and, upon my return, I received multiple mails from Bank of America asking me for a copy of the FTC report. By declining my claim, Bank of America is denying me my rights under the Fair Credit Act. I would like to remind Bank of America that they have a copy of the FTC report, which the CFPB sent them, and request that they reconsider my claim.
Product: Credit card or prepaid card

On XX/XX/2019 i made a purchase from XXXX XXXX in the amount of {$8400.00} for merchandise that was suppose to arrive before XX/XX/2019 .And i never received this merchandise. After numerous attempts in trying to resolve this matter with the credit card company all my efforts were made i do not get a resolution to the matter.
Product: Credit reporting or other personal consumer reports

these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an XXXX daughter and my credit is being sabotaged by companies they have too much power and this is not fair!