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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : XXXX  It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Vehicle loan or lease

Back in 2016 my car was paid off in full, the bank cashed my check and I never received a title. I have tried to get a lien release from the bank for the last 3 months. I am trying to sell my car and need the title. I have called the bank every day for the last 2 months asking where it's at because it never showed up. They told me it was rushed and over nighted and that I should have it in the next few days and every Day that I have called them since it was supposedly sent. I call them to ask where it's at they always tell me it's on the way and I have yet to receive it. They have laughed and hung up on me. And they have lied about it being in the mail. I have done everything I know to do and I can't get any further and I'm not sure what else to do. The license branch told me to file a complaint so I can get this taken care of. I hope this helps to get me the title.
Product: Checking or savings account

I requested closing of all three of my accounts with PNC ( XXXX, XXXX, and XXXX  ) ( Acct XXXX  s XXXX, XXXX, XXXX ) accounts on XXXX I called in to their customer service department and they refused to close the account. I asked both an operator and a supervisor ( XXXX XXXX out of XXXX, PA call center ).
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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter starting that my truck was paid in full. It was traded in however all reports are showing it to be charged off. They claimed to my mother, XXXX XXXX, joint buyer that they marked it paid in full. I've worked 15 years in XXXX and know that it is up to the creditor to mark correctly on a credit report. 

Does this mean if I paid it on my own in full it would be charged off as well? Because that's what happened except the new dealer paid it off. 

XXXX of XXXX, owned by the XXXX XXXX XXXX issued the check to pay it off. Also. We received a overpayment check as well. Our credit scores have DRASTICALLY took a hit due to the incorrect reporting of XXXX XXXX XXXX. This needs to be fixed asap on on their end. I should not have to jump through hoops with 3 credit agencies due to the errors of this creditor.
Product: Debt collection

They are trying to collect a medical bill or a co payment for a medical bill. I am doubled covered with two health insurances. I have a XXXX  XXXX  XXXXXXXXXXXX  XXXX and I also have XXXX through the state of California. In the past two years, I have had XXXX  XXXX, major  XXXX  XXXX and with being double covered ( XXXX XXXX being the first and XXXX being the second. I am XXXX XXXX and they keep bothering me with this and making reports to the credit bureau. They are not billing the insurances properly and I have told them that many times.
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. 

I told XXXX, XXXX, XXXX, to reinvestigate these accounts capital one platinum card, However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect, According to 15 USC 1681 i ( 5 ) they are supposed to modify accounts that isnt reporting correctly 15.USC 1681 section 602A States I have rights to privacy.

15 USC 1681 section2 604 A its also states a consumer reporting agency can not furnish a account without my instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make and consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which can be fill of law
Product: Money transfer, virtual currency, or money service

We were using Bill.com for bill payments. In XX/XX/2023, we issued two payments to two vendors, one payment for {$3000.00} and the other for {$2000.00}. One payment went through to one vendor and the other payment was voided. Bill.com debited our bank for both transactions ( totaling {$5000.00} ). They never refunded us the {$2000.00} for the voided transaction to the second vendor. Bill.com is playing a lot of games with us in order to avoid refunding the money, including offering to send us a DVD of the transaction history ( even though it was all confirmed ) since we have since closed our account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I signed up for an account with dave.com through their mobile app. They offer interest-free payday loans. 

On that same day I made a request for an advance of {$100.00}. Only then did I realize that dave.com has a membership fee. I immediately e-mailed dave.com Customer Support asking them to cancel my pending advance and to close my account. I provided all requested information to close my account, but I never received confirmation that my account was closed. 

On XX/XX/XXXX, my dave.com account was still not closed, and the company had sent me a {$100.00} payday advance. I tried to settle my {$100.00} balance and close my account, but the dave.com app advised that the platform was experiencing problems with XXXX XXXX ( my bank ). 

On that same day, I again e-mailed dave.com Customer Support demanding that they settle my account with funds that are in my bank account, and to then close my dave.com account. 

On XX/XX/XXXX, I received a response from dave.com Customer Support advising that XXXX XXXX no longer works on their platform, and that I can not settle my {$100.00} account balance using my bank account. There is no ability to add any other payment methods on dave.com, and I have begged Customer Support for another way to pay off my balance, but they have declined to allow me to pay off my balance. The company continues to charge me a {$1.00} membership fee every month as well, despite my demands that they close my account. 

At or about that time, I filed a formal complaint with the California Department of Financial Protection & Innovation. 

By way of correspondence dated XX/XX/XXXX, the California Department of Financial Protection & Innovation referred my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX 

By way of correspondence dated XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX suggested that the Consumer Financial Protection Bureau is the proper agency with which to file a complaint. 

In summary, dave.com will not allow me to pay off my balance of {$100.00} because they stopped accepting all payments from XXXX XXXX ( my bank ), and will not allow me to add any other payment method. I have repeatedly demanded that my account be closed and membership be canceled, but dave.com will not allow me to do that. The company is holding me hostage by refusing to accept payment from me, and they continue to charge me membership fees.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with the Fair Credit Reporting act US Department Of Edu # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 or other personal consumer reports

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This XXXX encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This XXXX encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor XXXX encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This XXXX involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

I contacted Sendwave to send {$1000.00} to my recipient bank account in XXXX on XX/XX/year> and Sendwave debited my XXXX XXXX account for the {$1000.00} but never delivered the equivalent amount promised to the XXXX XXXX  account. 

I have been contacting Sendwave by email, chats and phone calls since XX/XX/XXXX but my {$1000.00} is yet to be refunded back to my XXXX account as its obvious that Sendwave did not transfer the {$1000.00} to my XXXX XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.
Product: Mortgage

I had a VA mortgage loan with Veterans United Home Loans. The lender recently sold my mortgage loan to another company. I did NOT receive information of the sale of my loan until two days after the sale and transfer were finalized. I did NOT receive information regarding the sale 15 days or more, prior to the completion of the sale. I am also being charged an additional {$1300.00}, by the new lender, for late fees that had been paid up months ago with Veterans United Home Loans.
Product: Debt collection

SCA Collections currently has three medical accounts of mine and are on my credit for a balance. I don't know anything about these debts and not even sure if they are valid or even mine. I sent them debt validation letters and never got a response back from them so now I'm getting tired of the hassle with them being on my credit. If a creditor sold them the debt they still couldn't validate it because it is illegal for a medical facility to share any medical information about you because that would be violating the hippa act so I am not satisfied with what's going on with these collections.
Product: Debt collection

Responded to a missed call. I identified myself as a person with the same name they were looking for. They wanted private information from me and all I was willing to give was the year of my birth. The representative said they would not remove my number and would continue calling because I " refused to verify all my information ''. I advised them that I did not want them calling anymore and they hung up.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

Due to covid 19 the bank of amrica has announced that it is doing its part to help its customers with a help program ... Just join! I did it on the XXXX of XXXX and whenever I call again, they give me a new deadline but they don't comply with the treaty. I paid the bill without power and exposing my situation, they said they could help by returning the amount paid and extending the date to be paid ... Well, I accepted and I'm waiting until today ; whenever I call they ask for another week ... I counted on the combined help but it seems that I am making a fool of myself.
Product: Checking or savings account

I received a letter from wellsfargo that I had a previous account that I never opened they opened accounts in my name with out my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I viewed my credit report and noticed something wrong on XX/XX/XXXX there was an inquiry from XXXX was made on my credit report, therefore, I call Experian and dispute this item and it was open the next day it came back verified, I then called XXXX and explain to then that I never applied for credit so they inquire again on XXXX XXXX, I receive a letter from XXXX tating the request that Experian remove the inquires Experian refuse to remove these inquires. Also, I notice a collection on the credit report as well I Dispute it It came bake verify I have never done business with these people. I sent a Debt Validationation letter asking this company to provide all information of this debt they say owe and they to refuse to provide any original contract with them the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. Please help me understand that the credit must provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is misleading, fraudulent and unconstitutional the promissory notes allegedly signed by me is null and void because the notes was used to create the Credit or money on its own books bookeeping entry therefore no lawful consideration was given. There is no united states law or statue that gives XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to do so. therefore the agreement is null and void, attempting to collect is usury because no consideration was given. Reporting these accounts to my credit file is extortion and blackmail and is a violation of federal law. Lastly I never was given a true bill these persons never verified under oath I owe a debt therefore I order the said persons to cease and desist from all communication including the credit reporting agencies. And remove and block the fraudulent accounts from my credit file.FTC IDENTITY THEFT AFFIDAVIT IS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT : I am a XXXX-XXXX  XXXX seeking to open a checking account. Experian has placed a block on my credit access, stating that that it can't " verify '' my identity. I submitted a copy of my social security card and documentation verifying my legal address via your upload function on your website on XX/XX/XXXX and again on XXXX XXXX. Experian subsequently sent a copy of my credit report to me via mail, with no explanation. Meanwhile, no bank will open an account with me due to Experian 's inexplicable hold. Experian has carefully designed its system so that a customer has no way to speak to a service rep. This whole affair is an exercise in supreme frustration. The other credit bureaus have provided no objection. 

I will report to XXXX  in less than two weeks. I therefore request that you intervene to ascertain why Experian is blocking my credit, why no action has been taken to resolve it and ask them to resolve it quickly.