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

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX XXXX Collection Agents : COMMONWEALTH FINANCE Debt : {$1200.00} I am a recognised victim of Identity Theft due to Stolen Identity which has comprised my identity and due to the effect of the XXXX  breach. Over a year ago an Identity Theft Affidavit was filed with the FTC along with supporting documentation which included my police report of the incident were furnished via the disputing process and the creditor and the 3 credit reporting agents were informed of the process. The creditor ; and the 3 ( CRA ) complied but have to date stated that they have revalidated and are re-reporting this account that was fraudulently opened due to Identity theft. The creditor, XXXX, XXXX  and XXXX have disregarded the 605B rules set forth in the supplied guidance document provided which dictates the rule set by the FCRA and is not in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard credit inquiry on XX/XX/22 Company : XXXX XXXXAvant LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I contacted the company to inform them of the fraudulent activity they suggested I contact the fraud department and wait for a response in 5 to 7 days.

Avant did not offer me any information as to who or what information was used to obtain my credit profile but I would like this to go on record as a dispute.
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. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report.

To date, I have had to dispute incorrect inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquiries, or the confirmation of the removal/deletion by any of the three credit bureaus. 

The inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

I made a {$260.00} payment back on XX/XX/2023 and Care Credit applied {$160.00} to the zero percent interest only portion of my balance instead of applying it all to the interest bearing balance. Today, I called Care Credit when I noticed they did this and they reversed the payment to have it all applied to the interest bearing balance but the customer service rep said she could not back date this payment to reflect this correction to XX/XX/2023. This is not right, they should back date this payment to XX/XX/2023 to the interest bearing balance, not the promotional zero % balance. I want my {$260.00} payment to be applied to the interest bearing balance and back dated to the date I made the payment on XX/XX/2023.
Product: Vehicle loan or lease

I have an existing " installment loan '' from BMO which was transferred to BMO when the bought out Bank of the West.

I've contacted BMO in an attempt to receive statements on my loan that include the balance, interest rate, and interest charges. BMO does not, or will not provide an account statement either electronically or by mail. I am unaware when interest is charged to my account, verify the amount, or even review an amortization schedule for the loan. I have reached out to BMO through their website chat service and little or no information can be provided to me regarding my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request validation of debt on XX/XX/23. I have not been supplied validation of debt and the items remains on my consumer reports.
Product: Money transfer, virtual currency, or money service

I had added money on to my PayPal account on XX/XX/year> and been having issues using my money as well as withdrawing my money. I was told the system activated a restriction on to my account due to me updating information on my PayPal account which at first I did understand that there are security measures that needed to be taken to ensure my money is safe so I was told to try 24 hours later now the following day I did and it kept declining my withdrawal transfer to my debit card for whatever unknown reasons so I call and they informed me the system activated another restriction on my account. So PayPal representative asks me a few questions to try and get me verified which for one none of the questions had anything to do with me and each time I call it's always the same verification question now 2 representatives said they couldn't verify me but one said he did. What I don't understand is how the other 2 couldn't verify me but one did with the same exact questions now Ive been frustrated because I really do need my funds I've asked multiple times what else other than there security questions could I do to verify I'm me and all they say that there is nothing else what i don't understand is how they can put a restriction on my money for so long with other options to get verified then they are doing unauthorized charges to my debit card that I never authorized them to do and they said they need to verify my card. I never gave them permission to charge my card and they're are holding my money when I've asked numerous times to release and they are not helping or listening to me please help resolve this thank you
Product: Credit reporting or other personal consumer reports

I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name : XXXX  ACCT # XXXX Creditor Name : XXXX XXXX, XXXX. ACCT # XXXX Creditor Name : XXXX XXXX XXXX ACCT # XXXX Creditor Name : XXXX ACCT # XXXX Creditor Name : XXXX. ACCT # XXXX Creditor Name : XXXX ACCT # XXXX Creditor Name : XXXX.ACCT # XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry:XX/XX/XXXX Creditor : XXXX Date of inquiry:XX/XX/XXXX Creditor : XXXX XXXX XXXX. Date of Inquiry:XX/XX/XXXX Creditor : XXXX XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX.Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX, Creditor : XXXX. 
I'm requesting that these items be remove IMMEDIATELY : Please promptly remove this data within 4 business days to pursuant to 15 USC 168-c-2 to avoid any further legal proceedings. Thank you for your timely complaince!
Product: Payday loan

Ace cash express is claiming ( by e-mail ) that I requested a loan through them in California. I never did. I have not been to California in years. I do n't want to call them. But I want to see if anybody can go after them for lying and potentially stealing my identity. I have already placed a fraud alert on my account. Here 's the e-mail I am receiving : A cash payment of {$290.00} is due on XXXX/XXXX/2016. 
Visit ACE Cash Express at XXXX XXXX XXXX XXXX to repay your loan. 
If you have any questions please do n't hesitate to call us at XXXX.
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. 
XXXX XXXX XXXX Account, XXXX 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 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

XXXX XXXX XXXX lost or misplaced my insurance information. Failed to contact my former insurance company and now wants to individually hold me responsible to pay money that I should not be responsible for. They were negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00}. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

statement of pertinent facts Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Student loan

I called and asked if there was any way to come up with an affordable payment option and their reply was " We don't offer payment plans or consolidation ''. They said they can't help me. This is unacceptable because my monthly payment is going to be around {$800.00} a month. That's more than my rent and car payment combined.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below does not belong to me. I was XXXX in federal prison during the time that this account was opened. My federal prison # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016
Product: Money transfer, virtual currency, or money service

I applied for benefits and gave my information and I never got a response please call me my name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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: Vehicle loan or lease

As of today XX/XX/2020 my son and I have not received XXXX statement. It is due XX/XX/2020. 

XXXX statement due XX/XX/2020 was received on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with American Education Service ( AES ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time AES confirmed that the late payment was correct. I advised AES of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Product: Credit card

Hello ; I spoke with representative with Wells Fargo bank. 
Complained about being charged a late fee, when had made all payments on time. 
Lady said she would pull up my account, then came back, said she could fixe the problem & as long as made on time, there would be no more additional charges. Said she would remove the additional charges, said that it would show up on my next statement. 
None of those things happened!! 
Additional charges still there, charged me with more charges because they said I did n't pay the additional charges. 
Complained several time & nothing happens!! 
Cant believe anything they say!!
Product: Debt collection

While attempting to make a large purchase, it was brought to my attention a number of fraudulent accounts on my credit report. I have tried numerous times through disputes via XXXX  to resolve the matter and have gotten nowhere. 

Affirm Inc . 
XX/XX/XXXX, {$430.00} XX/XX/XXXX, {$260.00} XX/XX/XXXX, {$400.00} XX/XX/XXXX, {$63.00} XX/XX/XXXX, {$420.00} XX/XX/XXXX, {$13.00} XX/XX/XXXX, {$73.00} XX/XX/XXXX {$45.00} XX/XX/XXXX XXXX XXXX, {$100.00} XXXX XXXX XXXX XXXX$180.00}
Product: Credit card

CapitalOne hasnt sent me a statement or unlocked my online access so I can not view my card activity to make sure I dont have any fraudulent purchases. This has been going on since XXXX. They said theyd send me a new card so I could login again the card was never received. If they arent willing to unlock online banking they should be sending me a paper statement but they also have not. This is a clear violation of Regulation E and I also can not edit a recurring payment which has resulted in overdraft fees at my bank. I should not be restricted from paying or viewing my information this is consumer abuse.
Product: Mortgage

I secured a mortgage in XX/XX/2020 with City National Bank Bank. At the beginning of this year I received a notice ( attached ) that the servicer had changed from City National to XXXX XXXX XXXX. I also received a notification from XXXX ( attached ) of a change in Creditor. I received my XXXX statement form XXXX  and make that payment to them. At the end of XXXX I received a statement from City National that I was delinquent on my XXXX. When I contacted them, they had no record of the loan/servicer being transferred. So effectively, I have two servicers collecting on the same mortgage. I have opened " cases '' with both servicers, but in two weeks neither has made any progress in resolving the issue. Attached are XXXX statements for each. 

I contacted the trustee listed on the Change in Creditor notice who indicated that XXXX XXXX XXXX was in fact the servicer ( see attached ). I forwarded this to City National and they have been unresponsive. XXXX has been actively trying to resolve this for me although I opened an earlier complaint ( XXXX ) for a insurance related servicing issue I experienced when they assumed servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my equifax credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , va XXXX XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX