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

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX {$160.00}
Product: Debt collection

I have contacted the debt collector to receive 1099-c from charged off account, the Account History Information and any signed contract between myself and the debt collector. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.
Product: Checking or savings account

I havent been able to use the PayPal debit card for over 2 months I get my direct deposit into that account it always decline and PayPal says its an internal problem and they dont have no time frame to get it fixed, every time I attempt to transfer money to my other regular account it denied only few times allow me to transfer and block me access to my funds for days I have been charged unnecessary fee for transfers I should be able to use the debit card and I believe PayPal its keeping it blocked so they can keep charging me all transfer fees and they wont even let me withdraw the entire amount so I have to keep doing transfers once a week as permitted I even attempted to transfer XXXX  dollar to my regular checking account non PayPal an it was never received but PayPal did took the money off from my account
Product: Mortgage

Phone rings for hours each time you try to contact them about my issue. Escrow analysis is incorrect, account has been charged more than {$4000.00} for XXXX XXXX XXXX, which I dont not have and have never had. My home insurance has always been through XXXX XXXX  from day 1 to current. As well as 20 PMI withdrawals when Ive only owned the home for 17 months. Monthly mortgage payment is an additional {$480.00} or write a checked {$5700.00} to cover shortage as it stands. If they have these astronomical mistakes you should atleast be able to get into contact with somebody.
Product: Mortgage

At the beginning of the XX/XX/XXXX statement period, the outstanding balance on this mortgage was {$190000.00} For the XX/XX/XXXX statement period, I made the following payments : {$10000.00} additional principal payment on XX/XX/XXXX An additional {$10000.00} additional principal payment on XX/XX/XXXX Regular Monthly payment of {$1900.00} on XX/XX/XXXX A total of {$800.00} in interest was deducted from these payments. This exceeds the {$420.00} in interest that was due for XX/XX/XXXX. 

This equates to an interest rate of 4.99 %, which is higher than the agreed upon fixed rate of 2.65 %
Product: Credit reporting, credit repair services, or other personal consumer reports

The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

At the end of XX/XX/2023 I started to fix my credit report. Checking to my sure everything is accurate and looking to see what can be removed. As I examined my report I see that there is a bankruptcy on there. So I reached out to all 3 credit bureaus asking them to check the accuracy of the information. XXXX responded back with a deletion. TransUnion and XXXX responded by saying the information was accurate. So I then reached out to the source of the information reported. The source responded with a written statement saying. They DO NOT report to any credit bureaus therefore the information is a lie/inaccurate and should be deleted from my credit report.
Product: Credit reporting 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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to Experian, XXXX, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar XXXX and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX, XXXX, and Experian has reported differently. For instance there Updates are not reported the same as they should. XXXX has charge off, XXXX has charge off as bad debt, Experian has unpaid paid balance reported as a loss by creditor grantor. Closed Date ; XXXX has none, XXXX has XX/XX/2021, Experian has none. Balances : is reported wrong XXXX has none, XXXX has {$320.00}, Experian has no balance. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account Name # XXXX XXXX XXXX. 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX in XXXX of XXXX, first payment due XX/XX/XXXX. The loan I got was a fresh start loan after a bankruptcy that had not been finalized yet. My old car a XXXX XXXX transmission was going out. I got the loan at 18.45 % interest. I lost my job in XX/XX/XXXX and was a victim of XXXX XXXX and relocated to XXXX, KY in XX/XX/XXXX. I have been unable to find a job other than XXXX at XXXX per hour. I am XXXX XXXX XXXX. I have had problems with making that {$400.00} per month payment. In XXXX of XXXX I was diagnosed with severe XXXX of my XXXX and the XXXX XXXX recommended XXXX. I waited another year and worked in XXXX  XXXX  every day to try to keep this car payment up to date. I did get behind 3 months and worked hard approximately XXXX hours per week. In XXXX of XXXX I had to take a leave of absence the rtindoctor stated my XXXX was grinding XXXX to XXXX and I had to have XXXX to have a total right XXXX XXXX. I did have XXXX XX/XX/XXXX. I notified Consumer Portfolio Services that I needed XXXX and I would be off several weeks recuperating and that I would not be able to make my payments on time and did they have a hardship program. I was told no. When I bought the car I questioned the high rate of interest, the finance manager at XXXX XXXX in XXXX XXXX in Kentucky told me that I could get the car refinanced to lower my payments and interest in a couple of years. I believed this. So in XXXX I tried XXXX XXXX XXXX and was turned down since my loan to value was too high. My car then was valued at around XXXX and the loan pay off was still XXXX The car purchase loan amount was for XXXX. So after almost 2 years my balance had only gone down approximately XXXX. So I went back to XXXX XXXX in XXXX XXXX in XXXX of XXXX and asked them to please get me into a different car with lower payments. They told me they could not put me in a different car due to the same reason XXXX XXXX had denied me. So now that I am behind XXXX, XXXX, and XXXX payments they are threatening repossession. I know this may not help me with this situation but I hope others can be warned about XXXX XXXX in XXXX XXXX and their unfair lending practices and Consumer Porfolio Services out of XXXX California, my payments go to XXXX Arizona and the call about repossession came from XXXX, Florida
Product: Vehicle loan or lease

To date have not received a copy of the settlement agreement. {$4500.00} settlement with monthly payments of XXXX a month until paid in full. I have spoken to several representatives who advised it would be mailed to the mailing address on file. As of XX/XX/XXXX I have not received anything in writing. I have as emailed with no results. I've been making payments since XX/XX/XXXX.
Product: Debt collection

I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.
Product: Credit card

Applied using my master credit account/social security card and was denied. Was not counter offered or matched. Discriminated against.
Product: Credit card or prepaid card

I purchased several items and used my Walmart Credit card. Most of the items arrived but 2 did not arrive as one of the items was cancelled by Walmart without my permission and was never issued a credited to my account for those items. Those items totaled {$9.00}. The other item that was reported by Walmart as delivered never arrived. That order was {$88.00} plus taxes. I need them to credit my account for that total of {$98.00}. No one has returned a response from either Walmart or Capital One which why I am filing this complaint.
Product: Debt collection

I am disputing the accuracy of the Midland Credit Management account on my credit report. Despite my efforts, the credit agency refused to remove the item, citing an update after a reinvestigation in XX/XX/XXXX. The account remains in collections for {$10000.00} and is scheduled to stay on record until XX/XX/XXXX. 

Per the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting removal of this inaccurate information since the credit bureau has not verified its accuracy. Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ), Midland Credit Management is responsible for ensuring they report accurate information, which they have not done. 

I ask that this matter be resolved in compliance with the FCRA. 

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

US Bank continues to send emails to me that should be going to their actual customer. I am not a US Bank customer nor have I ever been a customer. Unfortunately, one of their customers incorrectly used my email address at some point while creating an account with US Bank. So now I routinely get emails from US Bank with the name of this customer, the type of product used by the customer and the last four digits of the credit/debit card used by their customer. Despite many emails to US Bank ( sent to both their customer service AND their fraud departments ) I get nothing but additional emails and useless instructions on how to fix MY account records. To repeat, I am not their customer and have no account records with them. It is impossible for me to fix something that doesn't exist. US Bank refuses to correct this incredibly simple piece of info, and willfully chooses to expose their customer 's data to somebody who not only has told them repeatedly to NOT send this to them, but has explicitly told them I was not their customer. They need to fix their error, not me. Further, their customers need to know how callous and indifferent US Bank is to protecting their data. The kicker in all of this is that nearly every one of these emails is promoting how US Bank is working to protect their customer 's private information. Rather hilarious!!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$210.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have disputed the inaccurate reporting made by Portfolio Recovery Associated XXXX to XXXX numerous times. I have provided proof. Submitted letters requesting proof of contract, documents on file that were used to confirm proof of debt, etc. Both XXXX and Portfolio Recovery Associated, XXXX are still furnishing inaccurate information despite my efforts to remove said account for false reporting. I have attached the proof they sent which does not align with the amount they are furnishing, yet, the item has still not been removed from my report when the statement included has a completely different amount owed. I have also attached all documents provided to XXXX to prove and dispute the inaccurate reporting.
Product: Credit card or prepaid card

I paid my XXXX XXXX  XXXX  in full using a credit card. For some reason when I tried to make a payment through my bank account it didn't successfully make a payment. I was charged a {$27.00} return fee by Comenity Bank. I called to find out what happened since I paid my balance using a credit card. A customer care representative told me that the return fee was removed from my account. I received another statement in the mail with the {$27.00} fee plus late fees. I called again to find out why I still had a fee and a different customer service representative told me that they could never remove a return fee. I disputed this fee and they just wouldn't remove it like the first customer care representative promised me. I paid the {$27.00} fee with a little late fee payment of some sort. I just want consumers to be aware that this bank wants to make money by charging consumers fees. I canceled all of my credit card accounts with Comenity Bank and I will never open another card with them in my lifetime.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent. 

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXXXXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXXXXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Credit card

XX/XX/XXXX, I was in XXXX XXXX and my wallet got stolen with all my credit cards and debit cards. Whoever stole the cards used my Capital One Venture card at a XXXX and charged {$2200.00}, {$2400.00}, and {$2400.00} all on XX/XX/XXXX at XXXX. The culprit also spent {$1000.00} on XXXX other cards which was XXXX XXXX and my XXXX XXXX card. I called all XXXX companies the day after ( Saturday XX/XX/XXXX ) immediately after I realized my wallet was gone. All the companies said not to worry and that everything would be taken care of and I was definitely not going to be held liable. After about a month, all the companies did what they promised and all charges were refunded. I then felt secure and went on about my life thinking everything was okay. Some time passed maybe another two weeks and Capital One sent me a notification that they were not recognizing my fraud claim and that it was not considered fraud. I immediately called them to figure out what was going on. It is now XX/XX/XXXX and they still will not take these fraudulent charges off my account. I have spoken to XXXX XXXX. ( they will not give me her last name ) in the fraud department what seems like hundreds of times, talked to her manager, and anyone else who will speak to me in the fraud department and get no where. They say it is my job to prove that it was not me who made the charges, which I have done to the best of my ability. I have done everything they have asked of me including filing a police report with the XXXX XXXX Police Department. They still are charging me! I have had arguments and explained to Capital One that they told me I am not liable and even took it off my account for about a month just to be put back on. They are basically calling me a liar and instead of being innocent until I am guilty they are saying I am guilty until I can figure out to prove my innocent which I feel like I have. I am not a lawyer and do not really no where to go from hear. I even told them that both other credit card companies recognized them as fraud ( thanks and great customer service from XXXX XXXX and XXXX XXXX ) but Capital One says they do not care and that their fraud requirements are different. 

I am just requesting what Capital One told me when I signed up with them, that I would not be held liable for fraudulent charges and to take off the fraudulent charges. I have all detailed information to move forward with a resolution or if it is not resolved a lawsuit. 

Thanks for your Time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
XXXX