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

i am a very XXXX  person battleing XXXX, that being said i have hired a XXXX XXXX XXXX to take care of me for the past XXXX  years, and XXXXXXXX XXXX XXXX years of age has stolen my personal information to get credit cards under my name. and using my personal bank account to pay small payments using my personal checking account. i have filed all compliants to everyone to support my claim in this matter, please take the time to review my claim for fraudulant accounts opened in my name!. 
thank you. 
XXXX XXXX.
Product: Checking or savings account

I am facing homelessness due to Chime closing my account. I have sent all documents they asked for and have not received any insight on my funds. Im getting put out Thursday morning which is tomorrow!! I received writ of procession today and have 24 hours to move my things. I dont have money to do anything!! Me and my kids are homeless in this Texas heat!! Mind you I grew up in XXXX XXXX so I have no family to help!! I have XXXX and XXXX in savings. They also held on to my work deposit my job had to cancel and send me a check!! This had turned my life upside down. Chime does not care about people!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX {$10000.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$9700.00} XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX {$920.00}
Product: Mortgage

I purchased my home in XXXX value at that time was {$180000.00} and the mortgage taken was {$150000.00}. The house is now valued at {$240000.00}. 

I have never been late and have made additional payments and balance is currently {$120000.00}. When requesting removal of PMI Huntington Bank responded that this could not be done till XX/XX/XXXX. 

I believe this is just highway robbery at this point XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$31.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$730.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : 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

Upon checking my credit in XXXX of 2021 and noticed that I had a collections and charged-off accounts on my credit report that I never opened. I contacted the credit bureaus via writing to let them know that I was an victim of identity theft by sending them the FTC Fraud Affidavit as well as a copy of the police report to indicate this. Despite these numerous attempts, the bureaus will not delete these delinquent accounts from my credit reports harming me financially. My ability to gain credit is destroyed! 

I want this error fixed IMMEDIATELY! This accounts needs to be updated in their office, and they need to notify XXXX XXXX that the account is closed and to have all reporting to credit agencies deleted immediately!
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. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request immediate action concerning an identity theft incident that significantly impacted my financial well-being and credit report. In XXXX, a data breach exposed my Social Security number, medical information, driver 's license number, and other sensitive information. I discovered through XXXX that my personal information, including my Social Security number, had been compromised and was being sold on the dark web. This breach led to unauthorized account changes and fraudulent credit inquiries and loan requests that remain unresolved on my credit report. 

Despite multiple attempts to rectify these issues, my credit score has not improved due to the erroneous and unauthorized entries. I have contacted TransUnion and other credit bureaus, provided documentation from the FBI, the Federal Trade Commission ( FTC ), and the IRS, and submitted multiple police reports. However, no corrective action has been taken. 

The fraudulent activities, including unauthorized cell phone accounts and XXXX  loans, have severely impacted my creditworthiness, hampering my ability to secure necessary credit. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to ensure the accuracy of the information on consumer credit reports and are required to investigate disputed entries. The lack of action to address these fraudulent entries is a violation of my consumer rights. 

The FTCs identity theft recovery report mandates the removal of erroneous information from my credit report. Additionally, cases such as XXXX XXXX TransUnion** have established precedents where consumers successfully sued credit bureaus for failing to correct inaccuracies resulting from identity theft. As a consumer, I have the right to accurate credit reporting, and the failure to rectify these errors warrants accountability. 

Therefore, I demand the immediate removal of all fraudulent entries and inquiries from my credit report. I also request the correction of my credit score to reflect accurate information. Failure to comply will result in further legal action to hold the responsible parties accountable. 

I will continue to contact regulatory entities such as the FTC and the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APPLIANCES XXXX XXXX
Product: Debt collection

XXXX XXXX a reporting from convergent outsource was placed in my credit report from XXXX XXXX XXXX amount of XXXX. As stated by XXXX this account is from XXXX. My identity was stolen in XXXX. I sent them documentation of the incident. Once I noticed convergent was reported on my credit report I immediately did a police report. I went through all the steps repeatedly and nothing happened. I went through both convergent outsource and XXXX  more that two time and went to numerous XXXX stores, where they had me provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. 

XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX 's ) checked my credit via TransUnion, and neither XXXX 's nor TransUnion contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account. 

Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that XXXX 's extended credit. 

This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the  FACT Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

On XX/XX/2020, I deposited a loan proceeds check from XXXX XXXX XXXX XXXX to pay off my auto loan with USAA. A hold was placed on the check with the 1st {$5000.00} made available. I immediately transferred the 1st $ XXXX to loan to be paid off with the check. 

On XX/XX/2020, I called USAA to see about having the hold released. I explained that the cashiers check from XXXX was for loan proceeds to pay off my USAA loan. I offered to provide my loan agreement as verification, which was not accepted by USAA. I explained that the hold placed on the check was going to result in my being charged additional interest on the loan I was seeking to pay off and that it felt unfair and deceptive. It is very clear that the loan was from a competing institution to refinance a USAA loan. This act clearly benefits USAA by holding guaranteed funds in order to accrue additional interest on a loan that would otherwise be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ XXXX on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XXXX with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/XXXX removed ALL Listings from my XXXX, XXXX and Equifax credit files.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these following accounts are are inaccurate and incomplete ( XXXX acount # XXXX ) ( XXXX XXXX acount # XXXX ) ( XXXX XXXX  acount # XXXX ) ( XXXX XXXX  account # XXXX  xxxxxxxxxx ) ( XXXX XXXX  XXXX XXXX Account # # XXXX ) ( XXXX XXXX account # XXXX ) ( XXXX XXXX  account # XXXX ) opening dates date of last activity, dates of last payments, opening dates, closed dates, creditor type, creditor remarks, balance owed, acount numbers, date reported are all incomplete and inaccurate I sent multiple letters asking to investigate these inaccuracies.also the following inquires I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX please look in to those and help Me protect my federally protected rights. Respectfully
Product: Payday loan, title loan, or personal loan

I had a loan with NetCredit which was paid off on  XXXX  via a refinance of my mortgage. The payoff was by check and was overpaid by {$460.00}. I was told I had to wait 30 days for the check to clear before I could get the overpaid amount sent to me. I have called every day for a week now to no avail. When I ask to speak to a  XXXX  they wo n't let me. When I ask for the status of my refund they again tell me I have to wait 30 days from the date they received the payoff ( which was  XXXX   XXXX  ). Today is  XXXX   XXXX    XXXX   and it is still showing on my account as not being processed. At this point I think they should pay me interest on my money at the rate they charged me
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting. 
Denefits ( XXXX as " late '' for more than ( 180 ) days. In accordance with Fair credit act, this creditor has violated, my rights under 15 USC 1681 ( section 602 ) states.

I have the right to privacy. Under 15 USC 1681 ( section A ) states the consumer reporting agency can not furnish an account without my written instrument. which I haven't provided.
Product: Credit card or prepaid card

My identity was used on the following dates listed below in an attempt to obtain goods and services for which I did not authorizes, give consent nor had knowledge of these inquiries being made. These inquires has seriously caused me harm for i am not able to obtain suitable having for both me and my children. I am seeking removal of these inquiries. 
Creditor Date fraud began : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated/violating 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: Debt collection

I was notified I had a {$700.00} collection on my credit report. When I looked into it XXXX a collection for a utility company out of XXXX, XXXX. When I called them they said a woman used my social security number to open an account. I am going to their process now which includes this complaint and a police report was filed. I do not have any property in XXXX, XXXX  where the utilities were shown to be hooked up. I called the company in early XXXX to get this remedied, but need this complaint to proceed.
Product: Credit card

Applied for promotional offer. I was excepted to apply for tonight to get the promotional offer misleading and unfortunate.
Product: Mortgage

I was foreclosed on in 2008. I feel as though I was a victim of fraud, discrimination, scam, and robo signing. The lender in question is Courntrywide Home Loans, now known as Bank of America. I begged and pleaded with this lender to work with me instead of working with parties involved whom were intercepting my information. Till this day I have no knowledge of how all of these terrible things have taken place to displace us of our home. End resulting of the bank working with this ring whom end resulted in purchasing my home from the bank for {$500.00}
Product: Debt collection

sunrise credit services account XXXX amount XXXX this account is open by fraud I have attached a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. 

PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


Thank you,
Product: Vehicle loan or lease

In XXXX my payments were paid up and they repossessed my car I even paid it up through the year and they charged an excess of overage fees.made me pay by credit card. Told me I was paid through XX/XX/XXXX and paid I paid XXXX. They are charging fees before due date if car payment. When it was repossed then I wasnt behind but they said I was. 
Here we r in XXXX there trying to pull same scenario. I paid all my payments since beginning of year well every time I try and pay the block me from paying online .i pad on time since XX/XX/XXXX. Well they now still block me then all of sudden in XX/XX/XXXX they tried say I was XXXX months behind again. I have receipts where transfers went to them. Well XXXX I paid payment and I was due for XXXX but they tried to say again I didnt pay XXXX. I made XXXX notes for XXXX XXXX XXXX. They then told me after that they deleted XXXX cause I as XXXX days behind and its going to be repossessed I had confirmation that it was paid. I paid XXXX as well. Now they have my account so messed up doing same thing again. I asked for proof of where they deleted and was my money sent back. So Im still battling where my funds r .Cause money wasnt returned to me and they want to repossess my car I need this for driving to and from work. I tried multiple times to sort out. But when they continue to say I didnt pay and I have ref # for payments. They told me just cause I paid online doesnt mean its paid. I said well its a confirmation I processed. So now Im fighting with them and bank on where my payment they just deleted and saying Im behind on my payments and I have proof of all of them. I just recently lost job and they were trying to make me take out extension to cover past payments that I already paid. Basically trying to force or make me lose my car I worked all year paying this all year. But they force u to pay by credit card and want allow u to pay online and force your car into repo to make extra money off of you. I asked and requested where they deleted my payment they wouldve give to me They didnt use to be this way but they having gotten really bad this year Others Im sure are having same problem. 

Thanks XXXX XXXX XXXX